Current Rates
View all current rates.
Deposit Rates
Deposit Rates
At Winchester Savings Bank, we are dedicated to providing our customers with savings and investment products that offer real value, along with the courteous one-on-one service you can only find at a true community bank.
Personal Checking Accounts
| Description | Minimum Balance to Open Account | Minimum Daily Balance to Earn APY | Interest Rate | Annual Percentage Yield (APY) |
|---|---|---|---|---|
Completely Free Checking |
$10 |
|||
Easy Interest Checking |
$10 |
$10 |
0.01% |
0.01% |
50+ Advantage Checking |
$10 |
$10 |
0.01% |
0.01% |
Premier Interest Checking |
$10 |
$10 |
0.01% |
0.01% |
$1,500 |
0.05% |
0.05% |
Deposit Rates
At Winchester Savings Bank, we are dedicated to providing our customers with savings and investment products that offer real value, along with the courteous one-on-one service you can only find at a true community bank.
Personal Checking Accounts
| Description | Completely Free Checking |
Easy Interest Checking |
50+ Advantage Checking |
Premier Interest Checking |
|
|---|---|---|---|---|---|
| Minimum Balance to Open Account | $10 |
$10 |
$10 |
$10 |
|
| Minimum Daily Balance to Earn APY | $10 |
$10 |
$10 |
$1,500 |
|
| Interest Rate | 0.01% |
0.01% |
0.01% |
0.05% |
|
| Annual Percentage Yield (APY) | 0.01% |
0.01% |
0.01% |
0.05% |
Rates are effective as of the date published above and are subject to change without notice. Fees may reduce earnings.
Personal Savings Accounts
| Description | Minimum Balance to Open Account | Minimum Daily Balance to Earn APY | Interest Rate | Annual Percentage Yield (APY) |
|---|---|---|---|---|
High Yield Savings |
$10 |
$10 |
0.50% |
0.50% |
$25,000 |
3.03% |
3.07% |
||
$1,000,000 |
3.03% |
3.07% |
||
Statement Savings |
$10 |
$10 |
0.10% |
0.10% |
$50,000 |
0.20% |
0.20% |
||
$250,000 |
0.30% |
0.30% |
||
$500,000 |
0.50% |
0.50% |
||
Money Market Account |
$2,500 |
$10 |
0.20% |
0.20% |
$50,000 |
1.25% |
1.25% |
||
$250,000 |
1.50% |
1.50% |
||
$500,000 |
1.50% |
1.50% |
||
Special Money Market* |
$2,500 |
$10 |
3.24% |
3.29% |
Club Account |
$10 |
$10 |
0.10% |
0.10% |
Passbook Savings |
$10 |
0.10% |
0.10% |
Personal Savings Accounts
| Description | High Yield Savings |
Statement Savings |
Money Market Account |
Special Money Market* |
Club Account |
Passbook Savings |
||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Minimum Balance to Open Account | $10 |
$10 |
$2,500 |
$2,500 |
$10 |
|||||||||
| Minimum Daily Balance to Earn APY | $10 |
$25,000 |
$1,000,000 |
$10 |
$50,000 |
$250,000 |
$500,000 |
$10 |
$50,000 |
$250,000 |
$500,000 |
$10 |
$10 |
$10 |
| Interest Rate | 0.50% |
3.03% |
3.03% |
0.10% |
0.20% |
0.30% |
0.50% |
0.20% |
1.25% |
1.50% |
1.50% |
3.24% |
0.10% |
0.10% |
| Annual Percentage Yield (APY) | 0.50% |
3.07% |
3.07% |
0.10% |
0.20% |
0.30% |
0.50% |
0.20% |
1.25% |
1.50% |
1.50% |
3.29% |
0.10% |
0.10% |
Rates are effective as of the date published above and are subject to change without notice. Fees may reduce earnings.
* Rate available for existing accounts and new Money Market customers.
Business Checking Accounts
| Description | Minimum Balance to Open Account | Minimum Daily Balance to Earn APY | Interest Rate | Annual Percentage Yield (APY*) |
|---|---|---|---|---|
Completely Free Business Checking |
$10 |
|||
Business Interest Checking |
$10 |
$10 |
0.01% |
0.01% |
Commercial Checking |
$10 |
|||
IOLTA Checking |
$10 |
$10 |
0.20% |
0.20% |
Business Checking Accounts
| Description | Completely Free Business Checking |
Business Interest Checking |
Commercial Checking |
IOLTA Checking |
|---|---|---|---|---|
| Minimum Balance to Open Account | $10 |
$10 |
$10 |
$10 |
| Minimum Daily Balance to Earn APY | $10 |
$10 |
||
| Interest Rate | 0.01% |
0.20% |
||
| Annual Percentage Yield (APY*) | 0.01% |
0.20% |
Rates are effective as of the date published above and are subject to change without notice. Fees may reduce earnings.
Business Savings Accounts
| Description | Minimum Balance to Open Account | Minimum Daily Balance to Earn APY | Interest Rate | Annual Percentage Yield (APY) |
|---|---|---|---|---|
High Yield Savings |
$10 |
$10 |
0.50% |
0.50% |
$25,000 |
3.03% |
3.07% |
||
$1,000,000 |
3.03% |
3.07% |
||
Business Statement Savings |
$10 |
$10 |
0.10% |
0.10% |
$50,000 |
0.25% |
0.25% |
||
$250,000 |
0.40% |
0.40% |
||
$500,000 |
0.60% |
0.60% |
||
Business Money Market |
$25,000 |
$10 |
3.24% |
3.29% |
Business Savings Accounts
| Description | High Yield Savings |
Business Statement Savings |
Business Money Market |
|||||
|---|---|---|---|---|---|---|---|---|
| Minimum Balance to Open Account | $10 |
$10 |
$25,000 |
|||||
| Minimum Daily Balance to Earn APY | $10 |
$25,000 |
$1,000,000 |
$10 |
$50,000 |
$250,000 |
$500,000 |
$10 |
| Interest Rate | 0.50% |
3.03% |
3.03% |
0.10% |
0.25% |
0.40% |
0.60% |
3.24% |
| Annual Percentage Yield (APY) | 0.50% |
3.07% |
3.07% |
0.10% |
0.25% |
0.40% |
0.60% |
3.29% |
Rates are effective as of the date published above and are subject to change without notice. Fees may reduce earnings.
CD and IRA Accounts
| Description | Minimum Balance to Open Account | Minimum Daily Balance to Earn APY | Interest Rate | Annual Percentage Yield (APY*) |
|---|---|---|---|---|
91 Day Certificate |
$500 |
$10 |
0.30% |
0.30% |
182 Day Certificate |
$500 |
$10 |
0.60% |
0.60% |
7 Month Certificate |
$500 |
$10 |
3.69% |
3.75% |
9 Month Certificate |
$500 |
$10 |
0.50% |
0.50% |
11 Month Certificate |
$500 |
$10 |
3.69% |
3.75% |
1 Year Certificate |
$500 |
$10 |
0.45% |
0.45% |
15 Month Certificate |
$500 |
$10 |
0.50% |
0.50% |
18 Month Certificate |
$500 |
$10 |
3.69% |
3.75% |
2 Year Certificate |
$500 |
$10 |
2.49% |
2.52% |
25 Month Certificate |
$500 |
$10 |
3.45% |
3.50% |
3 Year Certificate |
$500 |
$10 |
0.70% |
0.70% |
4 Year Certificate |
$500 |
$10 |
0.75% |
0.75% |
5 Year Certificate |
$500 |
$10 |
0.80% |
0.80% |
Variable Rate Retirement |
$10 |
$10 |
3.03% |
3.07% |
CD and IRA Accounts
| Description | 91 Day Certificate |
182 Day Certificate |
7 Month Certificate |
9 Month Certificate |
11 Month Certificate |
1 Year Certificate |
15 Month Certificate |
18 Month Certificate |
2 Year Certificate |
25 Month Certificate |
3 Year Certificate |
4 Year Certificate |
5 Year Certificate |
Variable Rate Retirement |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Minimum Balance to Open Account | $500 |
$500 |
$500 |
$500 |
$500 |
$500 |
$500 |
$500 |
$500 |
$500 |
$500 |
$500 |
$500 |
$10 |
| Minimum Daily Balance to Earn APY | $10 |
$10 |
$10 |
$10 |
$10 |
$10 |
$10 |
$10 |
$10 |
$10 |
$10 |
$10 |
$10 |
$10 |
| Interest Rate | 0.30% |
0.60% |
3.69% |
0.50% |
3.69% |
0.45% |
0.50% |
3.69% |
2.49% |
3.45% |
0.70% |
0.75% |
0.80% |
3.03% |
| Annual Percentage Yield (APY*) | 0.30% |
0.60% |
3.75% |
0.50% |
3.75% |
0.45% |
0.50% |
3.75% |
2.52% |
3.50% |
0.70% |
0.75% |
0.80% |
3.07% |
The APY for Certificates of Deposit assumes principal and interest will remain on deposit until maturity. There may be a substantial penalty should the Bank consent to early withdrawals. Fees/charges could reduce earnings on these accounts.
Contact Us
Questions? Contact our Residential & Personal Loan Department.