Current Rates

Annual Percentage Yield (APY) and Annual Percentage Rate (APR) are accurate as of 4/12/12. Rates are subject to change without notice.

Checking Accounts

Account Type Minimum Deposit
to Open		 Minimum Balance
to Obtain APY*		 Interest
Rate		 APY
Power Plus Checking $10,000 $250,000 0.35% 0.35%
more information $10,000 $50,000 to $249,999 0.30% 0.30%
$10,000 $25,000 to $49,999 0.25% 0.25%
$10,000 $10,000 to $24,999 0.25% 0.25%
NOW Account1 $100 $100 0.15% 0.15%
APY (Annual Percentage Yield). Interest rates are variable and are subject to change without notice. Minimum deposit to open account is $10,000 and Minimum balance to obtain APY of 0.35% APY is $250,000, balances that fall below $249,999 but above $50,000 will be subject to APY of 0.30% and balances that fall below $49,999 but above $25,000 will be subject to APY of 0.25%, balances that fall below $24,999 but above $10,000 will be subject to APY of 0.25% and accounts that fall below $10,000 will be subject to APY of regular NOW account. Subject to certain requirements and or restrictions. Balances that fall below $500 are subject to $5.00 per month service fee. Fees could reduce earnings on account. Offer can be withdrawn at any time. Maximum balance $500,000. Consumer Accounts Only.

Savings Accounts

Account Type Minimum Deposit
to Open		 Minimum Balance
to Obtain APY*		 Interest
Rate		 APY
Passbook Savings $1.00 $100 0.20% 0.20%
Money Market $100 $1,000 0.25% 0.25%
Rates may change after account is open.

Certificate of Deposit (CD)*

Account Type Minimum Deposit
to Open		 Minimum Balance
to Obtain APY*		 Interest Rate APY
3 Month CD $5,000 $5,000 0.25% 0.25%
6 Month CD $500 $500 0.40% 0.40%
9 Month CD $500 $500 0.60% 0.60%
12 Month CD $500 $500 0.55% 0.55%
15 Month CD $500 $500 0.70% 0.70%
18 Month CD $500 $500 0.75% 0.75%
30 Month CD $500 $500 1.15% 1.15%
36 Month CD $500 $500 1.29% 1.30%
48 Month CD $500 $500 1.59% 1.60%
60 Month CD $500 $500 1.84% 1.85%
*Substantial Penalty for early withdrawal on all Certificates of Deposit

Individual Retirement Accounts (IRA)**

Account Type Minimum Deposit
to Open		 Minimum Balance
to Obtain APY*		 Interest Rate APY
12 Month IRA CD $250 $250 0.55% 0.55%
30 Month IRA CD $250 $250 1.15% 1.15%
60 Month IRA CD $250 $250 1.84% 1.85%
**Substantial Penalty for early withdrawal on all Certificates of Deposit

Loan Rates

PLEASE NOTE WE ONLY LEND IN THE FOLLOWING COUNTIES:
PENNSYLVANIA: Philadelphia, Bucks, Montgomery, Chester, Delaware
NEW JERSEY: Burlington, Camden, Cumberland, Gloucester, Atlantic, Ocean, Cape May

Mortgages

Term Interest Rate APR*
(Annual Percentage Rate) 		Points
15 Year 3.250% 3.250% 0
20 Year 3.750% 3.750% 0
30 Year 3.875% 3.875% 0

Jumbo Rates

Term Interest Rate APR*
(Annual Percentage Rate) 		Points
15 Year 3.75% 3.75% 0
30 Year 4.00% 4.00% 0
Credit Report Fee $30.00 (Non-Refundable) Due at time of application. LTV (Loan to value) of 80% or higher requires PMI (Minimum down payment required is 5%). Rates subject to change without notice. For a $100,000 mortgage with 0 points for 30 years at 3.875% APR monthly payment would be $470.24. Jumbo (Over $417,000). Subject to credit approval.

Home Equity Loans

Term Interest Rate APR*
(Annual Percentage Rate)
5 Year 2.75% 2.75%
10 Year 2.99% 2.99%
15 Year 3.75% 3.75%
20 Year 4.50% 4.50%
25 Year 4.75% 4.75%
For a $10,000 loan monthly payment would be $178.58 for 5 year term at 2.75% APR. Rates subject to change without notice. Maximum loan amount $417,000. Minimum loan amount $5,000. Owner occupied property only. 89% LTV (Loan to Value) 1st Position Only, 85% LTV 2nd Position. Homeowner property insurance required. If loan is repaid in full within 36 months a loan documentation preparation fee of $500 will apply. Subject to credit approval. Resets available at .25% higher. Fees apply.
Interest Rate

Auto Loans

Term Interest Rate APR*
(Annual Percentage Rate)
12 to 60 Months
2012 Model Year-100% LTV		 2.50% 2.50%
72 Months
2012 Model Year-100% LTV		 3.00% 3.00%
12 to 60 Months
2011 Model Year-100% LTV		 2.50% 2.50%
72 Months
2011 Model Year-100% LTV		 3.00% 3.00%
12 to 60 Months
2010 Model Year-100% LTV		 2.75% 2.75%
72 Months
2010 Model Year-100% LTV		 3.25% 3.25%
12 to 60 Months
2009 Model Year-90% LTV		 4.00% 4.00%
12 to 60 Months
2008 Model Year-85% LTV		 4.50% 4.50%
12 to 60 Months
2007 Model Year-80% LTV		 5.00% 5.00%
Rates subject to change without notice. For a 2012 model year $20,000 loan for 48 months at 2.50% APR monthly payment would be $438.28. Other rates and terms available call branch to find out details. (LTV) Loan to Value may be higher or lower depending upon year of vehicle. Loans on 2007 to 2012 models available. Subject to credit approval.

Interest Rate

Personal Loans

Term Interest Rate APR*
(Annual Percentage Rate)
12 to 60 Months 8.99%* 8.99%*
Rates subject to change without notice. For a $5,000 loan, monthly payment would be $103.77 for 5 year term at 8.99% APR. Minimum loan amount $1,000, Maximum loan amount $50,000. Loan payment must be deducted from a Washington Savings Bank checking account. If the automatic payment deduction is not elected APR increases to 9.99%. Subject to credit approval.

Business Owner Occupied Mortgage (BOOM) Loan

Term Interest Rate APR*
(Annual Percentage Rate)
15 Year 5.25% 5.25%
20 Year 5.50% 5.50%
Application fee of $750.00 for loans of $100,000 or less and $1,250.00 for loans of $100,001 or more Non-Refundable) Due at time of application. For a $50,000 loan at 6.00% APR monthly payment would be $343.94 for a 20 year loan. If loan is repaid in full within 36 months a loan documentation preparation fee of $500 will be included in loan payoff amount. Must be owner occupied and principal place of business. **Maximum loan amount $500,000, 80% LTV (loan to value) or lower, 1st postion only. Rates subject to change without notice.



*(APY) ANNUAL PERCENTAGE YIELD AND (APR) ANNUAL PERCENTAGE RATE IS ACCURATE AS OF 4/12/12. RATES SUBJECT TO CHANGE WITHOUT NOTICE.

Interest Rate