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Deposit Rates


New branch in Warwick, new Bump-Up CDs everywhere.

Certificates of Deposit

Product*Interest RateAPY**
91 Days0.550.55
6 Months0.750.75
12 Months1.001.00
18 Months1.241.25
24 Months1.441.45
36 Months1.641.65
48 Months2.132.15
60 Months2.382.40

All rates effective as of November 20, 2009
*Minimum Deposit Amount $500.00


**Annual Percentage Yield
A penalty may be imposed for early withdrawal
Fees may reduce earnings

Freedom Plus Certificates of Deposit*****

Product TermInterest RateAPY**
91 Days0.800.80
6 Months1.001.00
12 Months1.241.25
18 Months1.441.45
24 Months1.641.65
36 Months1.891.90
48 Months2.382.40
60 Months2.622.65

All rates effective as of November 20, 2009
*****Minimum Deposit Amount $500


**Annual Percentage Yield
A penalty may be imposed for early withdrawal
Fees may reduce earnings

Jumbo Certificates of Deposit***

Product TermInterest RateAPY**
1 Month0.550.55
2 Months0.700.70
3 Months0.900.90
6 Months1.101.10
12 Months1.341.35

All rates effective as of November 20, 2009
***Minimum deposit amount $100,000
***Maximum deposit amount $500,000


**Annual Percentage Yield
A penalty may be imposed for early withdrawal
Fees may reduce earnings

Promotional Certificates of Deposit

Product TermInterest RateAPY**Min. Deposit
3 Years1.992.00$ 500.00
5 Years2.973.00$ 500.00

All rates effective as of November 20, 2009

New branch in Warwick, new Bump-Up CDs everywhere.

**Annual Percentage Yield
For new accounts opened with funds from sources other than The Washington Trust Company
A penalty may be imposed for early withdrawal
Fees may reduce earnings

Money Markets, Checking & Savings Accounts

ProductInterest RateAPY**
Personal Money Market Account
Under $1,0000.000.00
$1,000-$2,499.990.100.10
$2,500 and over0.100.10
Freedom Plus Money Market
Under $1,0000.000.00
$1,000-$2,499.990.100.10
$2,500 and over0.100.10
Personal Ultra Money Fund
Under $25,0000.100.10
$25,000-$49,9990.100.10
$50,000 and over0.100.10
Freedom Plus Checking
Under $1,5000.000.00
$1,500 and over0.100.10
Freedom One Account Checking
Under $1,5000.000.00
$1,500 and over0.100.10
Freedom Statement Savings
Under $500.100.10
$50-$1,999.990.100.10
$2,000 and over0.100.10
Freedom Platinum Savings
Under $1,0000.000.00
$1,000-$9,999.990.100.10
$10,000-$24,999.990.100.10
$25,000-$49,999.990.100.10
$50,000 and over0.100.10
Freedom Savings Club Account
Under $500.100.10
$50 and over0.100.10

All rates effective as of November 20, 2009

**Annual Percentage Yield
Rates subject to change
Fees may reduce earnings
Rate may change after the account is opened.

Prime Rate

Wall Street Prime Rate3.25

All rates effective as of December 17, 2008.