Personal Banking

A smart solution for managing debt

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

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. Be sure to consult your tax advisor regarding your individual situation.

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

View today's current rates

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Apply online today!

Setting up your home equity line is easy - just apply online and get your answer in 30 seconds!

Questions? Contact our Customer Solutions Center at (800) 475-2265 or send us an email.


*As of 06/14/2018, 1.99% Introductory Annual Percentage Rate (APR) is for the initial 12 months; 3.60% Introductory Annual Percentage Rate (APR) is for the initial 36 months.
**As of 12/20/2018, after the initial 12 months or 36 months, your APR will vary monthly if the Prime Rate changes but will not exceed 18.00% or be less than 3.00%. As of 12/20/2018, the interest rate is as follows: Prime -.25% for line amounts of $25,000-$99,999; Prime -.50% for line amounts $100,000- $249,999; Prime - .75% for line amounts $250,000 - $1,000,000. Check the Wall Street Journal for the current Prime Rate. Account closure fee of $350 for lines up to $500,000 or $500 for lines over $500,000 will apply if line is paid off and closed within first three years. Best rate featured above requires line to be in first lien position; other rates apply to second lien position; a Washington Trust Personal Checking Account is required for this product. Annual fee of $50 is waived for the first year. Initial draw/transfer of $10,000 to a third party at closing is required. Some home improvement projects may be subject to property inspection fees of $100 to $300, final title inspection fee of $100 and a satisfactory completion certificate. Subject to recording fees of approximately $74 in RI, and $93-177 in MA and CT. Trust review fees of $100 to $250 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% up to $400,000. Subject to credit approval. Offer available for a limited time only and may be withdrawn at any time. Consult your tax advisor regarding the deductibility of interest. Above information is for Rhode Island, Connecticut and Massachusetts properties. MEMBER FDIC.

Customer Solutions Center

(800) 475-2265



Telephone Banking available 24/7 at

(800) 226-5877


Tambien disponible en español. Banca telefónica disponible 24/7/365!