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)

5.625%

0.00%

5.786%

$10.91

15 Year Fixed (Conforming)

6.125%

0.00%

6.243%

$8.51

20 Year Fixed (Conforming)

6.375%

0.00%

6.471%

$7.38

30 Year Fixed (Conforming)

6.750%***

0.00%

6.826%

$6.49

30 Year Fixed (Jumbo)

6.750%***

0.00%

6.826%

$6.49

15 Year Fixed (Jumbo)

6.125%

0.00%

6.243%

$8.51

*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. ***Additional 0.25% rate discount for First-Time Home Buyers.

 

To apply now Click Here
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

3.60%

3.60%

$1000

6 Month

$1000

3.15%

3.15%

$1000

1 Year

$500

0.30%

0.30%

$500

Flex Term CD (3-11 months)

$1000

4.00%

4.00%

$1000

Flex Term CD (13-23 months)

$500

4.02%

4.10%

$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

$2500

0.20%

0.20%

$2500

Premier Money Market1

$100,000

3.00%

3.04%

$100,000

 

$250,000

3.64%

3.70%

$100,000 

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 

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

3.60%

3.60%

$1000

6 Month

$1000

3.15%

3.15%

$1000

1 Year

$500

0.30%

0.30%

$500

     

14 Month CD Special

$500

3.45%

3.50%

$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

$2500

0.20%

0.20%

$2500

Premier Money Market1

$100,000

3.00%

3.04%

$100,000

 

$250,000

3.64%

3.70%

$100,000 

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. A penalty may be imposed for early withdrawal. 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 (2020-2025)10

7.500%

7.000%

25% Down

12-60

$19.80

Car2 – Used (2018-2019)10

7.000%

6.500%

25% Down

12-48

$23.71

 

Home Equity Line of Credit3,4

6.250%

N/A

$25,000 - $400,000

240

N/A

 

Mass Save® HEAT Loan11

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 Loan6

+3.00%

N/A

90% of Available Balance

N/A

N/A

Cash Reserve

16.000%

N/A

$100 -$1,500

N/A

$50.008

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 the Wall Street Prime Rate minus 0.50% for the first 12 billing cycles. The Prime Rate as of January 1, 2026, is 6.75%. After the first 12 billing cycles the variable rate is  tied to  the Wall Street Prime Rate plus 0.00%. 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

Expedited Card

$75.00

Foreign Currency (purchased or sold)

$10.00 + delivery

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

Safe Deposit Boxes*** - Available in our Norfolk Branch

2 x 5 (annual rental)

$40.00

3 x 5 (annual rental)

$45.00

5 x 5 (annual rental)

$60.00

3 x 10 (annual rental)

$75.00

5 x 10 (annual rental)

$95.00

7 x 10 (annual rental)

$115.00

10 x 10 (annual rental)

$150.00

Late Fee

$10.00 

Lost Key Replacement

$25.00

Lock Replacement

$75.00

Drilling Fee

$175.00

No insurance coverage is provided for box contents by the FDIC, DIF or Wrentham Cooperative Bank. ***Kasasa Checking account customers receive a $20 discount on safe deposit box annual rental.

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.