Loan Rates
- Unsecured Personal Loan
- Auto/Truck Loan
- Motorcycles
- Marine and RV
- Overdraft Protection
- Land Loans
- Manufactured Homes on Leased Land
Fixed Rate Mortgages (up to $417,000)
| Product Term | Points | Rate | APR** | Monthly Payment Per $1,000 Borrowed |
| 30 Year | 1 | 4.750 | 4.882 | $5.22 |
| 20 Year | 0 | 4.875 | 5.007 | $6.53 |
| 15 Year | 0 | 4.375 | 4.502 | $7.59 |
| 10 Year | 0 | 4.375 | 4.558 | $10.30 |
All rates effective as of November 20, 2009
These rates are for Rhode Island properties.
Please contact one of our mortgage professionals
for the rate in your state.
**Annual Percentage Rate
Jumbo Fixed Mortgage (over $417,000)
| Product Term | Points | Rate | APR** | Monthly Payment Per $1,000 Borrowed |
| 30 Year | 0 | 5.750 | 5.802 | $5.84 |
| 20 Year | 0 | 5.750 | 5.820 | $7.02 |
| 15 Year | 0 | 5.250 | 5.307 | $8.04 |
| 12 Year | 0 | N/A | N/A | N/A |
| 10 Year | 0 | 5.250 | 4.914 | $10.73 |
All rates effective as of November 20, 2009
These rates are for Rhode Island properties.
Please contact one of our mortgage professionals
for the rate in your state.
**Annual Percentage Rate
Adjustable Rate Mortgage (ARM)
| Product Term | Points | Rate | APR** | Monthly Payment Per $1,000 Borrowed (figured on 360 payments) |
| 1 Year ARM | 0 | 4.375 | 3.261 | $4.99 |
| 3/1 ARM | 0 | 4.500 | 3.472 | $5.07 |
| 5/1 ARM | 0 | 4.625 | 3.700 | $5.14 |
| 7/1 ARM | 0 | 5.250 | 4.191 | $5.52 |
| 10/1 ARM | 0 | 5.625 | 4.769 | $5.76 |
All rates effective as of November 20, 2009
These rates are for Rhode Island properties.
Please contact one of our mortgage professionals
for the rate in your state.
**Annual Percentage Rate
Rates subject to change
VA/FHA Mortgage Loans
Call For Rate: 401-348-1200
RIHMFC Mortgages
| Income Range | Points | Rate | APR** | Monthly Payment Per $1,000 Borrowed (figured on 360 payments) |
| $40,001 - $45,000 | 0 | 5.250 | 5.990 | $5.352 |
| $35,001 - $40,000 | 0 | 5.000 | 5.900 | $537 |
| $30,001 - $35,000 | 0 | 4.750 | 5.790 | $5.22 |
All rates effective as of November 20, 2009
These rates are for Rhode Island properties.
Please contact one of our mortgage professionals
for the rate in your state.
**Annual Percentage Rate
Home Equity Loan*
| Maximum Term | APR** | Monthly Payment Per $1,000 Borrowed |
| 48 Months | 5.49 | $23.49 |
| 60 Months | 5.49 | $19.33 |
| 120 Months | 6.69 | $11.46 |
| 180 Months | 7.29 | $9.16 |
The above rates require auto deduction from a Washington Trust checking or savings account. Minimum loan amount of $15,000 up to $500,000. Interest rate is determined by individual credit worthiness and loan-to-value. Primary and secondary residence up to 70% LTV, up to $400,000. Twenty percent (20%) new money requirement for WTC refinanced loans. Property Insurance required.
If interested in a 240 month term,
please call 401-348-1200.
All rates effective as of November 20, 2009
These rates are for Rhode Island properties.
Please contact one of our mortgage professionals
for the rate in your state.
**Annual Percentage Rate
Home Equity Line of Credit
| Line Amount | APR** |
| $15,000 - $49,999 | 3.500(Prime +.25%) |
| $50,000 - $74,999 | 3.500(Prime+.25%) |
| $75,000 - $149,999 | 3.250(Prime) |
| $150,000+ | 3.000(Prime - .25%) |
The above rates require Freedom Plus checking account relationship. Primary and secondary residence up to 70%
LTV up to $400,000. Property Insurance required. No annual fee the first year, then $50.00 per year.
Your APR will vary monthly if the Prime Rate changes, but will not exceed 18.0% or be less than 3.00%
All rates effective as of November 20, 2009
These rates are for Rhode Island properties.
Please contact one of our mortgage professionals
for the rate in your state.
**Annual Percentage Rate
Unsecured Personal Loans
| Loan Amount | Term | APR** | Monthly Payment Per $1,000 Borrowed |
| $1,500 - $10,000 | 60 Months | 15.40 | $24.01 |
| $10,001 - $15,000 | 60 Months | 13.50 | $23.02 |
The above rates require auto deduction from a Washington Trust checking or savings account.
All rates effective as of November 20, 2009
These rates are for Rhode Island properties.
Please contact one of our mortgage professionals
for the rate in your state.
**Annual Percentage Rate
Auto/Truck Loans
| Loan to Value | Term | APR** | Monthly Payment Per $1,000 Borrowed |
| NEW*(2009/2008) Up to 90% LTV | 36 Months | 5.99 | $30.42 |
| 48 Months | 6.49 | $23.72 | |
| 72 Months | 6.99 | $17.05 | |
| USED*(2008-2003) Up to 85% LTV | 36 Months | 6.99 | $30.88 |
| 48 Months | 7.49 | $24.18 | |
| 54 Months | 7.99 | $22.12 | |
| USED*(2002 or Older) Up to 75% LTV | 24 Months | 10.49 | $46.38 |
The above rates require auto deduction from a Washington Trust checking or savings account.
All rates effective as of November 20, 2009
These rates are for Rhode Island properties.
Please contact one of our mortgage professionals
for the rate in your state.
**Annual Percentage Rate
Motorcycles
| Loan to Value | Term | APR** | Monthly Payment Per $1,000 Borrowed |
| NEW* Up to 85% LTV | 48 Months | 12.25 | $26.47 |
| 60 Months | 12.50 | $22.51 | |
| USED*(2008 -2002) Up to 80% LTV | 36 Months | 13.25 | $33.82 |
The above rates require auto deduction from a Washington Trust checking or savings account.
All rates effective as of November 20, 2009
These rates are for Rhode Island properties.
Please contact one of our mortgage professionals
for the rate in your state.
**Annual Percentage Rate
Marine and RV
| Loan to Value | Term | APR** | Monthly Payment Per $1,000 Borrowed |
| NEW Up to 70% LTV Max Loan Amount $50,000 | 84 Months | 9.50 | $16.35 |
| 120 Months | 9.75 | $13.09 | |
| 144 Months | 10.00 | $11.96 | |
| USED Up to 60% LTV Max Loan Amount $25,000 | 36 Months | 10.50 | $32.51 |
| 48 Months | 11.00 | $25.85 | |
| 60 Months | 11.50 | $22.00 |
The above rates require auto deduction from a Washington Trust checking or savings account.
All rates effective as of November 20, 2009
These rates are for Rhode Island properties.
Please contact one of our mortgage professionals
for the rate in your state.
**Annual Percentage Rate
Overdraft Protection
| APR** | Monthly Payment Per $1,000 Borrowed | |
| Credit Reserve | 18.00 | *n/a |
*n/a - monthly payment equal to the greater of 5% of outstanding balance or $25.00
All rates effective as of November 20, 2009
These rates are for Rhode Island properties.
Please contact one of our mortgage professionals
for the rate in your state.
**Annual Percentage Rate
Land Loans (Buildable Land)
| Loan to Value | Maximum Term | APR** | Monthly Payment Per $1,000 Borrowed |
| Up to 70% LTV | 60 Months | 7.99 | $20.28 |
| 120 Months | 8.29 | $12.29 | |
| 180 Months | 8.49 | $9.85 |
The above rates require auto deduction from a Washington Trust checking or savings account.
All rates effective as of November 20, 2009
These rates are for Rhode Island properties.
Please contact one of our mortgage professionals
for the rate in your state.
**Annual Percentage Rate
Manufactured Homes on Leased Land*
| 70% Loan to Value | |||
| Maximum Term | Rate | APR** | Monthly Payment Per $1,000 Borrowed |
| 60 Months | 6.99 | 7.413 | $19.80 |
| 120 Months | 8.19 | 8.426 | $12.36 |
| 144 Months | 8.79 | 8.997 | $11.38 |
The above rates require auto deduction from a Washington Trust checking or savings account.
Original fee equal to 1% of loan amount.
All rates effective as of November 20, 2009
These rates are for Rhode Island properties.
Please contact one of our mortgage professionals
for the rate in your state.
**Annual Percentage Rate
