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Rates & Fees

Deposit Rates

Type of AccountMinimum Balance
To Earn APY
Interest RateAnnual Percentage
Yield (APY)**
Certificates of Deposit: 
3 Month $1000 0.25% 0.25%
6 Month $1000 0.30% 0.30%
1 Year $500 0.50% 0.50%
2 Year $500 0.75% 0.75%
3 Year $500 0.95% 0.95%
4 Year $500 1.19% 1.20%

Certificates of Deposit are subject to substantial penalty for early withdrawal. 

Retirement Plans:
18 Month Variable Rate* $100 0.75% 0.75%
Fixed Rate varies offered at the Certificate of Deposit terms, rates and APYs
Savings Accounts:
Regular Savings* $10 0.10% 0.10%
  • No Fees to maintain this account
  • Minimum Deposit to open: $10
Money Market* $2500 0.20% 0.20%
  • No Fees to maintain this account with minimum daily balance of $2500
  • Minimum Deposit to open: $2500
  • Limited check access allowed
Checking Accounts:
Regular Checking N/A N/A N/A
  • Account does not pay interest
  • Monthly maintenance fee applies
N.O.W. Checking* $10 0.05% 0.05%
  • No fees to maintain this account with minimum daily balance of $500
  • Minimum deposit to open: $50 
Super N.O.W. Checking* $5000 0.10% 0.10%
  • No fees to maintain this account with minimum daily balance of $5000
  • Minimum deposit to open: $5000

* Variable Rate Account: The interest rate may change after the account is opened
**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. 

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 SIF on amounts in excess of $250,000.

Loan Rates

Loan ProgramsRate
(APR)
Auto Pay Discount 1
Rate
(APR)
AmountTermPayment/ 7
$1,000
Car 2 – New 2.990% 2.490% 10% Down 12-48 $21.91
Car – New 3.250% 2.750% 10% Down 60-72 $15.08
Car 2 – Used (2012-2017) 10 3.490% 2.990% 25% Down 12-48 $22.13
Car – Used (2010-2011) 10 3.490% 2.990% 25% Down 12-36 $29.08
 
Fixed Rate Equity 3 6.750% N/A $25,000 - $150,000 12-60 $19.68
Fixed Rate Equity 3 7.000% N/A $25,000 - $150,000 72-120 $11.61
Fixed Rate Equity 3 7.250% N/A $25,000 - $150,000 -180 $9.13
 
Equity Line of Credit 3,4 4.250% N/A $25,000 - $150,000 12-180 $6.49
 
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
Passbook Loan 6 +3.0% N/A 90% of Available Balance N/A N/A
Cash Reserve 16.000% N/A $100 -$1,500 N/A $50.00 8
 
 

1Auto 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 house 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 4.250%.  Rate is subject to increase after consummation.
6 Rate floats 3% over the underlying passbook/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:

Account Inactivity Fee (checking accounts with 6 months of no activity) $5.00
Accounts Closed within 60 Days of Opening $10.00
Audit Verification $25.00
Certified Check $10.00
Check Copy $ 5.00
Check Orders Varies by style of check ordered
Collection Item (domestic and Canadian) $15.00
Collection Item (foreign) $40.00 + any correspondent fees
Deposit Item Returned (consumer accounts) $ 7.17
Deposit Item Returned (business accounts) $10.00
Duplicate Statement Copy $ 5.00
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 $25.00
Lost ATM / Debit Card $10.00
Lost Passbook or Certificate $10.00
Money Order $ 2.00
Online Banking FREE
Online Bill Pay FREE
Returned Item $35.00
Returned Mail Fee $5.00 per statement after 3rd return
Research / Reconciliation $25.00/hr (1 hour minimum charge)
Stop Payment Order $25.00
Tax Levy / Attachment $50.00
Telephone Transfer of Funds (assisted by employee) $5.00
Temporary Checks 4 / $1.00
Treasurer’s Check $ 5.00
Wire Transfers – Domestic $15.00
Wire Transfers – Foreign $35.00
 
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.