Loan Rates

Payments shown do not include taxes or insurance. Your payments may be greater. These rates are for Connecticut, Massachusetts, New Hampshire, and Rhode Island properties.
The above rates require auto deduction from a Washington Trust checking account. Single-family, owner-occupied primary residences or second homes only. Maximum loan-to-value of 80% up to $400,000. Property Insurance required.
*Annual Percentage Rate
**Per $1,000 Borrowed

*Introductory Annual Percentage Rate (APR) of 5.99% is fixed for the first 18 months. Your actual (APR) may be different than the rates shown. APR is based on the specific characteristics of your credit application including but not limited to: evaluation of credit history, amount of credit requested, property type, lien position, and combined loan to value. Offer available for new lines only. All loans subject to credit and underwriting approval. After the introductory rate, the APR is a variable rate based on the Wall Street Journal Prime Rate (minus) -0.125% to (plus) +0.25%, and will not exceed 18.00% or be less than 2.75%. As of 12/19/2024, Prime Rate is 7.50%. Minimum line amount for Prime (minus) -0.125% is $250,000. Other rates are available for lines of credit in amounts below $250,000. Offer valid on home equity line amounts up to $400,000. For home equity line amounts greater than $400,000, additional terms and conditions will apply. Autopay from a Washington Trust personal checking account is required to be eligible for the introductory promotional rate, which is reflected in the rate shown here. Properties must be located in Connecticut, Massachusetts, New Hampshire, or Rhode Island. Single-family, owner-occupied primary residences or second homes only. No Trusts or LLCs allowed. $10,000 minimum initial draw to a third party is required at closing. The following fees apply: account closure fee of $350 if the account is closed within 36 months from the date the account is opened; annual fee of $50 due each year of the draw period beginning with the 13th billing cycle; recording fee of approximately $88 in RI and $110-$217 in CT, MA, and NH. Some home improvement projects may be subject to inspection fees and a satisfactory completion certificate. Other fees may apply. Not intended for homes currently for sale or intended to be sold within 12 months of closing. Property insurance is required. Flood insurance where required by law. Offer available for a limited time only and may be withdrawn at any time. Rates subject to change. Other restrictions may apply. Consult your tax advisor regarding the deductibility of interest.

* Payments shown do not include taxes or insurance. Your payments may be greater. Properties must be located in Connecticut, Massachusetts, New Hampshire, or Rhode Island. All loans subject to credit and underwriting approval. The APR is a variable rate and will be based on the Wall Street Journal’s Prime Rate which is 7.50% as of 12/19/2024. Your APR will vary monthly if the Prime Rate changes but will not exceed 18.00% or be less than 2.75%. Account closure fee of $350 for lines up to $500,000 or $500 for lines over $500,000 will be assessed if the account is closed within the first three years. A Washington Trust personal checking account is required. Annual fee of $50 due each year of the draw period beginning with the 13th billing cycle. Some home improvement projects may be subject to inspection fees and a satisfactory completion certificate. Subject to the recording fee of approximately $88 in RI and $110-$217 in CT, MA, and NH. Trust review fees of $250 may apply if property is held in a trust. Other restrictions may apply. Other fees 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 $500,000. Consult your tax advisor regarding the deductibility of interest.

This product is not available for debt consolidation or education purposes.
These rates are for Connecticut, Massachusetts, and Rhode Island residents.
The above rates require auto deduction from a Washington Trust checking account.
*Annual Percentage Rate
**Per $1,000 Borrowed

These rates are for Connecticut, Massachusetts, and Rhode Island residents.
*Annual fee of $24.99 applies. Waived with a Freedom Plus or Ultra checking relationship Monthly late fee of $5.00 may apply.
**Annual Percentage Rate

These rates are for Connecticut, Massachusetts, and Rhode Island properties.
The above rates require auto deduction from a Washington Trust checking account.
*Annual Percentage Rate
**Per $1,000 Borrowed

These rates are for Connecticut, Massachusetts, and Rhode Island properties.
The above rates require auto deduction from a Washington Trust checking account.
Original fee equal to 1% of loan amount.
*Annual Percentage Rate
**Per $1000 Borrowed

These rates are for Rhode Island, Connecticut and Massachusetts properties.
*Annual Percentage Rate (APR) subject to change without notice.
**Per $1,000 Borrowed.
Owner-occupied single family properties only. APR based on 40% downpayment and 0 points. Downpayment of less than 20% requires mortgage insurance. Property and flood insurance where required.

These rates are for Rhode Island, Connecticut and Massachusetts properties.
*Annual Percentage Rate (APR) subject to change without notice.
**Per $1,000 Borrowed.
Owner-occupied single family properties only. APR based on 40% downpayment and 0 points. Downpayment of less than 20% requires mortgage insurance. Property and flood insurance where required.

These rates are for Rhode Island, Connecticut and Massachusetts properties.
*Annual Percentage Rate (APR) subject to change without notice.
**Per $1,000 Borrowed.
Index is the 30-day average SOFR. APR is variable and may increase after closing. Owner-occupied Rhode Island, Connecticut and Massachusetts single family properties only. APR based on 20% downpayment and 0 points. Downpayment of less than 20% requires mortgage insurance. Property and flood insurance where required. Subject to credit approval.