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Rates & Fees

Mortgage Rates

Wrentham Cooperative Bank offers a variety of loan options to choose from including fixed rate mortgages, adjustable rate mortgages, Construction to permanent loans and other programs. Please contact a loan officer for other rates and programs not listed.

Mortgage Rates Effective -

Program	Rate*	Points	APR*	Payment per $1,000 Borrowed**
10 Year Fixed (Conforming)	5.375%	0.00%	5.504%	$10.79
15 Year Fixed (Conforming)	5.625%	0.00%	5.718%	$8.24
20 Year Fixed (Conforming)	5.875%	0.00%	5.950%	$7.09
30 Year Fixed (Conforming)	6.000%	0.00%	6.057%	$6.00
30 Year Fixed (Jumbo)	6.000%	0.00%	6.057%	$6.00
15 Year Fixed (Jumbo)	5.625%	0.00%	5.718%	$8.24

*Annual Percentage Rate. Choice of either rate lock at application (60 days), commitment, or up to 10 days prior to closing. The APR is based on an LTV of 80%. Cash-out refinance loans have a maximum LTV of 75%. **Payment calculation includes principal and interest only. The collection of escrows will increase the monthly payment. Adequate homeowners insurance is required to be maintained as a condition of the loan. Wrentham Cooperative Bank retains the servicing on all mortgages.

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For more information about our products and services, please email Ann Marie DeCoff, Vice President Chief Lending Officer NMLS#475527 at adecoff@wrenthamcoop.com or call (508) 384-4030.

Rates & Fees Effective -

Deposit Rates

Type of Account	Minimum Balance To Earn APY	Interest Rate	Annual Percentage Yield (APY)²	Minimum Balance To Open Account
Certificates of Deposit
3 Month	$1000	0.15%	0.15%	$1000
6 Month	$1000	0.25%	0.25%	$1000
1 Year	$500	0.30%	0.30%	$500
14 Month CD Special **	$500	4.41%	4.50%	$500
18 Month	$500	0.35%	0.35%	$500
2 Year	$500	0.40%	0.40%	$500
3 Year	$500	0.55%	0.55%	$500
4 Year	$500	0.75%	0.75%	$500
Certificates of Deposit are subject to substantial penalty for early withdrawal.
Retirement Plans:
18 Month Variable Rate¹	$100	0.35%	0.35%	$100
Fixed Rate	varies	offered for terms of 6 months - 4 years at the Certificate of Deposit rates and APYs
Savings Accounts:
Regular Savings¹	$10	0.05%	0.05%	$10
Business Savings¹	$10	0.05%	0.05%	$10
Money Market¹	$2,500	0.20%	0.20%	$2,500
Premier Money Market¹	$250,000	4.41%	4.50%	$250,000
Checking Accounts:
No-Fee Checking	N/A	N/A	N/A	$10
A+ Student Checking	N/A	N/A	N/A	$10
N.O.W. Checking¹	$10	0.05%	0.05%	$50

¹ Variable Rate Account: The interest rate may change after the account is opened
² The Annual Percentage Yield (APY) applies when the required minimum balance and interest is kept on deposit in the account for one year. Fees may reduce earnings.

**Offer is only available for funds not previously deposited at Wrentham Cooperative Bank. Annual Percentage Yield (APY) of 4.50%. Offer available only for new money to Wrentham Cooperative Bank. A minimum of $500 is required to open the account and obtain the APY. Deposited monies cannot be transferred from an existing Wrentham Cooperative Bank account. A penalty may be imposed for early withdrawal. Fees may reduce earnings. APY is accurate and effective as of March 9, 2023. Limited time offer subject to change without notice.

Fees may reduce earnings.
Rates and terms are subject to change without notice.
All deposits are insured in full by the FDIC up to $250,000 and by the DIF on amounts in excess of $250,000.

SEE TERMS AND CONDITIONS OF YOUR ACCOUNT DISCLOSURE FOR ADDITIONAL ACCOUNT INFORMATION

Loan Rates

Loan Programs	Annual Percentage Rate (APR)	Annual Percentage ¹ Rate (APR)- for Auto-pay Discount	Amount	Term	Payment/ ⁷ $1,000
Car ² – New	6.000%	5.500%	10% Down	12-48	$23.26
Car ² – New	7.000%	6.500%	10% Down	60-72	$16.81
Car ² – Used (2018-2023) ¹⁰	7.500%	7.000%	25% Down	12-60	$19.80
Car ² – Used (2016-2017) ¹⁰	7.000%	6.500%	25% Down	12-48	$23.71

Home Equity Line of Credit ^3,4	8.250%	N/A	$25,000 - $300,000	240	N/A

Mass Save® HEAT Loan ¹¹	0.000%	N/A	$2,500 - $25,000	84	$11.90
Unsecured	17.000%	N/A	$1,000 -$2,500	12-36	$35.65
Certificate of Deposit (CD) Secured Loan ⁶	+3.00%	N/A	90% of Available Balance	N/A	N/A
Cash Reserve	16.000%	N/A	$100 -$1,500	N/A	$50.00 ⁸

¹ Auto pay discount is for an automatic payment from an account at Wrentham Cooperative Bank. Payment may increase if auto pay is cancelled during term of loan.
² Also valid for light trucks.
³ Adequate homeowner's insurance is required to be maintained as a condition of the loan.
⁴ Variable rate tied to Wall Street Prime Rate plus 0% (zero percent). Maximum rate allowed is 18.000% APR. The minimum APR that will apply is 3.750%. Rate is subject to increase after consummation.
⁶ Rate floats 3% over the underlying certificate of deposit rate. Rate is subject increase after consummation.
⁷ Payment/$1,000 is based on the auto-pay rate and the maximum term in the range.
⁸ Required monthly payment is 5% of outstanding principal balance.
¹⁰ No private sales please.
¹¹ Requires a no-cost energy assessment through the Mass Save® program. For credit-qualified borrowers with a HEAT Loan Authorization from Mass Save® only.

Fees

Consumer and Business Account Schedule of Fees:

Accounts Closed within 60 Days of Opening	$10.00
Audit Verification	$25.00
Check Copy	$ 7.00
Check Orders	Varies by style of check ordered
Collection Item (domestic and Canadian)	$20.00
Collection Item (foreign)	$40.00 + any correspondent fees
Deposit Item Returned (consumer accounts)	$ 7.11
Deposit Item Returned (business accounts)	$10.00
Duplicate Statement Copy	$ 7.00
Escheatment Fee	$50.00
Excessive Transaction Fee, per item (applies to Money Market and Savings Accounts only)	$15.00
Expedited Card	$75.00
Foreign Currency (purchased or sold)	$10.00 + delivery
I.R.A. Plan Fee (annual)	$10.00
I.R.A. Transfer Fee	$30.00
Lost/Replacement ATM / Debit Card	$15.00
Money Order	$ 3.00
Online Banking	FREE
Online Bill Pay	FREE
Non Sufficient Funds (NSF) Fee	$35.00
Returned Mail Fee	$5.00 per statement after 3rd return
Research / Reconciliation	$30.00/hr (1 hour minimum charge)
Stop Payment Order	$30.00
Tax Levy / Attachment	$75.00
Telephone Transfer of Funds (assisted by employee)	$5.00
Temporary Checks	4 / $4.00
Treasurer’s Check	$ 6.00
Wire Transfers – Domestic	$20.00
Wire Transfers – Foreign	$40.00

Fees may vary for customers under the age of 19 and 65 and over. Please ask us for details.
Fees are subject to change at any time.
Business Accounts Only
Off-Site Night Deposit Service:
Charge Per Night Deposit	$ 2.00
Cash Verification, per $1,000	$ 1.00
Lost Night Deposit Key	$10.00
Night Deposit Bags, per 100	$35.00

Coin and Currency Service:
Currency, per strap	$ 0.35
Coin, per roll	$ 0.06

Fees are subject to change at any time.