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 - 4/23/2025

Program 

Rate* 

Points 

APR* 

Payment per $1,000 Borrowed** 

10 Year Fixed (Conforming)

5.500%

0.00%

5.630%

$10.85

15 Year Fixed (Conforming)

5.750%

0.00%

5.844%

$8.30

20 Year Fixed (Conforming)

5.875%

0.00%

5.950%

$7.09

30 Year Fixed (Conforming)

6.250%

0.00%

6.309%

$6.16

30 Year Fixed (Jumbo)

6.250%

0.00%

6.309%

$6.16

15 Year Fixed (Jumbo)

5.750%

0.00%

5.844%

$8.30

*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.

 

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 - 4/23/2025

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

4.25%

4.25%

$1000

1 Year

$500

0.30%

0.30%

$500

14 Month CD Special

$500

3.69%

3.75%

$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

3.93%

4.00%

$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

7.000%

N/A

$25,000 - $300,000

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, 2025, is 7.50%. 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.