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Pay-off high-rate credit cards
with a home equity line

Debit Want Debit Have

Consolidating debt with a home equity line can eliminate high credit card interest and lower your monthly payment immediately. What's more, the total amount that you pay in interest charges could be greatly reduced, and any interest that you do pay may be tax-deductible. (Consult your tax advisor regarding your situation.)

Smart solutions for managing debt

  • Pay off high-rate credit cards
  • Lower your interest rate
  • Qualify for potential tax deduction
  • Simplify paperwork with single monthly bill

Great low rates!

RI & CT Rates
MA & NH Rates


How much equity do you have?

Give us a call or stop by any branch and we'll help you determine how much equity you have in your home.

Answers in 30 seconds!

Setting up your home equity line is easy - just apply online and get your answer in 30 seconds! You can also apply at any Washington Trust branch or by calling us at 800-475-2265. Close in five days with the lender Rhode Island homeowners have trusted for more than 200 years.


2.99% Annual Percentage Rate home equity line is for the initial 6 months. After the initial 6 months, the rate becomes Prime + .75% on lines of $150,000 or more; Prime + 1.00% on lines of $75,000 - $149,999; Prime + 1.25% on lines of $25,000 - $74,999. Rates shown in effect as of 01/31/2011. Your APR will vary monthly if the Prime Rate changes, but will not exceed 18.00% or be less than 3.99%. Check The Wall Street Journal for current rates. Early closure fee of 1% of face amount or $495, whichever is greater, will apply if line is prepaid within the first year; .5% of face amount or $295, whichever is greater, will apply if line is prepaid during the second year; Freedom Plus Checking account required. Annual fee of $50 waived for the first year. Some home improvement projects may be subject to inspection fees and a satisfactory completion certificate. Subject to recording fees of approximately $70. Trust review fees of $100-$200 may apply if property is held in a trust. Not intended for homes currently for sale or intended to be sold within 12 months of closing. Offer available for new lines only. Other restrictions may apply. Property insurance is required. Flood insurance where required by law. Single-family, owner-occupied primary residences or second homes only. Maximum loan-to-value of 80%. Subject to credit approval. Offer available for a limited time only and may be withdrawn at any time. MEMBER FDIC


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Important Information about FDIC Insurance Coverage

Scheduled Maintenance

June 26, 2016
10:00 pm to 12:00 am

Due to system maintenance, Online and Mobile Banking will be unavailable on Sunday, June 26 between the hours of 10:00 pm and Midnight.