Rates & Fees Contact Us Rates & Fees Effective - 11/30/2021 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 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 0.15% 0.15% $2500 eMoney Market1,3 $1.00 0.15% 0.15% $25 $10,000 0.15% 0.15% $25 $25,000 0.25% 0.25% $25 $50,000 0.35% 0.35% $25 $100,000 0.55% 0.55% $25 Checking Accounts: eChecking N/A N/A N/A $10 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 Super N.O.W. Checking1 $5000 0.10% 0.10% $5000 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. 3 eChecking* Account required to open eMoney Market. * eChecking - No minimum balance requirement. Direct deposit required to waive the $10 monthly maintenance fee. Customers may write up to five (5) checks per month at no cost/$0.50 per check thereafter 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 3.750% 3.250% 10% Down 12-48 $22.24 Car 2 – New 4.000% 3.500% 10% Down 60-72 $15.42 Car 2 – Used (2015-2020) 10 4.500% 4.000% 25% Down 12-60 $18.42 Car 2 – Used (2013-2014) 10 4.750% 4.250% 25% Down 12-48 $22.69 Fixed Rate Equity 3 7.000% N/A $25,000 - $150,000 12-60 $19.80 Fixed Rate Equity 3 7.250% N/A $25,000 - $150,000 72-120 $11.74 Fixed Rate Equity 3 7.500% N/A $25,000 - $150,000 -180 $9.27 Home Equity Line of Credit 3,4 4.250% N/A $25,000 - $150,000 12-180 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 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 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 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 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 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. Privacy Policy Rates & Fees Forms & Applications Contact Us | Member FDIC | Member DIF Copyright © Wrentham Cooperative Bank 2021, All Rights Reserved. Routing # 211371939 | NMLS Registry #627361 Wrentham Cooperative Bank is a Massachusetts-chartered co-operative bank with no stockholders. Expand toolbar