Loan Rates

These rates are for Rhode Island, Connecticut and Massachusetts properties.
*Annual Percentage Rate (APR) subject to change without notice.
**Per $1,000 Borrowed. Payments shown do not include taxes or insurance. Your payments may be greater.
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. Payments shown do not include taxes or insurance. Your payments may be greater.
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.

These rates are for Connecticut, Massachusetts, New Hampshire, and Rhode Island properties.
The above rates require auto deduction from a Washington Trust checking or savings 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

* Properties must be located in Connecticut, Massachusetts, New Hampshire, or Rhode Island. All loans subject to credit and underwriting approval. Introductory Annual Percentage Rate (APR) of 6.375% is fixed for the first 12 months. After the introductory rate the APR is a variable rate and will be based on the Wall Street Journal’s Prime Rate which is 8.50% as of 7/27/2023. The APR becomes Prime Rate minus .375% on lines of $250,000 - $1,000,000; Prime Rate minus .125% on lines of $100,000 - $249,999; Prime Rate plus .125% on lines of $25,000 - $99,999. 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. 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. $10,000 minimum initial draw to third party required at time of closing. Annual fee of $50 due each year of the draw period beginning with the 13^th billing cycle. Some home improvement projects may be subject to inspection fees and a satisfactory completion certificate. Subject to the recording fee of approximately $75 in RI and $100-$207 in CT, MA, and NH. Trust review fees of $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. 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. Offer available for a limited time only and may be withdrawn at any time. Consult your tax advisor regarding the deductibility of interest.

* 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 8.50% as of 7/27/2023. 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. 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. 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 $75 in RI and $100-$207 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 or savings account.
*Annual Percentage Rate
**Per $1,000 Borrowed

These rates are for Connecticut, Massachusetts, and Rhode Island residents.
The above rates require auto deduction from a Washington Trust checking or savings account.
*Annual Percentage Rate. APR is calculated on a $10,000 loan amount, APR may be higher based on loan amount.
**Per $1,000 Borrowed

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

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