All rates are subject to change without notice –
For the most current rate information, please call (603) 352-1822.
Deposit Rates
Personal Checking
Looking for a checking or money market account designed to fit the way you bank? Savings Bank of Walpole offers free Checking accounts with no monthly service charge or daily balance requirements.
All rates effective Tuesday, July 15, 2025 unless otherwise noted and are subject to change without notice.
Personal Checking Accounts
| Interest Rate | Annual Percentage Yield (APY) | Minimum Balance to Obtain APY | Minimum Deposit To Open | |
|---|---|---|---|---|
| Truly Free Checking | 0.03% | 0.03% | $100.00 | $10.00 |
| Senior Checking | 0.03% | 0.03% | $100.00 | $10.00 |
Subject to change without notice. Checking accounts are variable rate accounts. The interest rates and APYs may change at the discretion of the Bank. Fees could reduce earnings.
Personal Savings Accounts
Saving for your financial goals should not be complicated! Our savings accounts make it simple and easy to establish a savings plan to fit your financial goals.
All rates effective Tuesday, July 15, 2025 unless otherwise noted and are subject to change without notice.
Tiered Savings
| Interest Rate | Annual Percentage Yield (APY) | Minimum Balance to Obtain APY | Minimum Deposit To Open | |
|---|---|---|---|---|
| $100 to $2,499.99 | 0.05% | 0.05% | $100.00 | $10.00 |
| $2,500 to $9,999.99 | 0.05% | 0.05% | $2,500.00 | $10.00 |
| $10,000 to $24,999.99 | 0.05% | 0.05% | $10,000.00 | $10.00 |
| $25,000 or more | 0.05% | 0.05% | $25,000.00 | $10.00 |
Easy Access Savings
| Interest Rate | Annual Percentage Yield (APY) | Minimum Balance to Obtain APY | Minimum Deposit To Open |
|---|---|---|---|
| 0.05% | 0.05% | $100.00 | $10.00 |
Youth Savings
| Interest Rate | Annual Percentage Yield (APY) | Minimum Balance to Obtain APY | Minimum Deposit To Open |
|---|---|---|---|
| 0.05% | 0.05% | $1.00 | $1.00 |
Be Your Own Lender
| Interest Rate | Annual Percentage Yield (APY) | Minimum Balance to Obtain APY | Minimum Deposit To Open |
|---|---|---|---|
| 0.05% | 0.05% | $100.00 | $2.00 |
Goal Setter Savings/GOALS
| Interest Rate | Annual Percentage Yield (APY) | Minimum Balance to Obtain APY | Minimum Deposit To Open |
|---|---|---|---|
| 0.05% | 0.05% | $2.00 | $2.00 |
Subject to change without notice. Savings accounts are variable rate accounts. The interest rates and APYs may change at the discretion of the Bank. Fees could reduce earnings.
Personal Money Market Accounts
Save for the future and make your money work harder for you, while still having easy access to your funds online or by check.
All rates effective Tuesday, July 15, 2025 unless otherwise noted and are subject to change without notice.
| Interest Rate | Annual Percentage Yield (APY) | Minimum Balance to Obtain APY | Minimum Deposit To Open | |
|---|---|---|---|---|
| $1,000 to $9,999.99 | 0.20% | 0.20% | $1,000.00 | $500.00 |
| 10,000 to $24,999.99 | 0.35% | 0.35% | $10,000.00 | $500.00 |
| $25,000 to $99,999.99 | 0.40% | 0.40% | $25,000.00 | $500.00 |
| $100,000 to $249,999.99 | 0.50% | 0.50% | $100,000.00 | $500.00 |
| $250,000 or more | 0.60% | 0.60% | $250,000.00 | $500.00 |
Subject to change without notice. Savings accounts are variable rate accounts. The interest rates and APYs may change at the discretion of the Bank. Fees could reduce earnings.
Certificate of Deposit and IRAs
A Certificate of Deposit offers you a great way to save money. We offer a selection of terms, competitive interest rates, and our personalized service to assist you in making the right choices for your financial needs.
All rates effective Tuesday, July 15, 2025 unless otherwise noted and are subject to change without notice.
| Interest Rate | Annual Percentage Yield (APY) | Minimum Balance to Obtain APY | Minimum Deposit To Open | |
|---|---|---|---|---|
| 3 Month | 0.10% | 0.10% | $500.00 | $500.00 |
| 6 Month | 3.93% | 4.00% | $500.00 | $500.00 |
| 1 Year | 3.69% | 3.75% | $500.00 | $500.00 |
| 18 Month | 2.96% | 3.00% | $500.00 | $500.00 |
| 2 Year | 0.30% | 0.30% | $500.00 | $500.00 |
| 3 Year | 0.40% | 0.40% | $500.00 | $500.00 |
| 5 Year | 0.45% | 0.45% | $500.00 | $500.00 |
$500 minimum to open. A substantial interest penalty may be required for early withdrawals from Certificates of Deposit and IRA CDs. Contact a representative for further information regarding applicable fees and terms. Fees could reduce the earnings on the account.
If you withdraw any of the principal before the maturity date, we may impose a penalty. CD accounts will automatically renew. You will have 10 days after the maturity date to withdraw funds without penalty. If you do not withdraw the funds, each renewal term will be for an identical period of time as the original term.
Health Savings Accounts
Health Savings Accounts help you save for current and future medical expenses in an interest bearing checking account. These accounts allow for payment of expenses by issuing a check (online Bill Pay or standard check) or using your debit card for qualified expenses.
All rates effective Tuesday, July 15, 2025 unless otherwise noted and are subject to change without notice.
| Interest Rate | Annual Percentage Yield (APY) | Minimum Balance to Obtain APY | Minimum Deposit To Open | |
|---|---|---|---|---|
| $0.01 to $ 499.99 | 0.05% | 0.05% | $0.01 | $10.00 |
| $500 to 2,499.99 | 0.05% | 0.05% | $500.00 | $10.00 |
| $2,500 to 9,999.99 | 0.05% | 0.05% | $2,500.00 | $10.00 |
| $10,000 to 24,999.99 | 0.10% | 0.10% | $10,000.00 | $10.00 |
| $25,000 or more | 0.15% | 0.15% | $25,000.00 | $10.00 |
Subject to change without notice. Checking accounts are variable rate accounts. The interest rates and APYs may change at the discretion of the Bank. Fees could reduce earnings.
Overdraft Protection Line of Credit
Our Overdraft Protection Line of Credit is attached to your Savings Bank of Walpole personal checking account and advances funds to your account if an overdraft occurs. Please consult with a Bank Representative for more information and application.
All rates effective Tuesday, July 15, 2025 unless otherwise noted and are subject to change without notice.
| Minimum Loan Amount | Maximum Loan Amount | Maximum Term | Rate |
|---|---|---|---|
| $100.00 | $5,000.00 | Revolving | 15.00% |
*Subject to credit and underwriting approval. Other eligibility and requirements may apply.
$30 Annual Fee
Consumer Loans
We offer a full range of personal and consumer loans. We invite you to check out our low rates on new and used automobile loans, unsecured loans, savings secured loans, overdraft protection loans and more. It is easy to apply now.
We offer competitive interest rates on car and truck loans with low down payments. If you need to build or reestablish credit, your Savings Bank of Walpole savings account or certificate of deposit can be used to secure a loan.
All rates effective Tuesday, July 15, 2025 unless otherwise noted and are subject to change without notice.
*Home Improvement
| Maximum Loan Amount | Maximum Term | Example Amount | Current Rate | APR | Estimated Payment | Doc Fee |
|---|---|---|---|---|---|---|
| $15,000.00 | 84 months | $15,000.00 | 9.25% | 9.342% | $243.95 | $50.00 |
APR (Annual Percentage Rate) is based on a $15,000 loan and includes a $50 doc fee.
*Vehicles
| Type | Condition | Year | Max Term | Example Amount | Current Rate | APR | Estimated Payment | Doc Fee |
|---|---|---|---|---|---|---|---|---|
| Autos, Harley Davidson Motorcycles | New/Used | 2025 & 2024 | 72 months | $30,000.00 | 7.75% | 7.796% | $523.02 | $50.00 |
| 2025 & 2024 | 84 months | $35,000.00 | 8.25% | 8.282% | $550.45 | $50.00 | ||
| 2023 & 2022 | 60 months | $25,000.00 | 8.25% | 8.318% | $510.72 | $50.00 | ||
| 2023 & 2022 | 72 months | $25,000.00 | 8.5% | 8.557% | $445.17 | $50.00 | ||
| 2021 & 2020 | 60 months | $20,000.00 | 8.75% | 8.838% | $413.60 | $50.00 | ||
| 2019 & 2018 | 48 months | $15,000.00 | 9.50% | 9.651% | $377.93 | $50.00 | ||
| 2017 & Older | 36 months | $10,000.00 | 10.50% | 10.809% | $326.49 | $50.00 | ||
| Boats, Campers, RV’s, Tractors & Equipment | New/Used | 120 months | $20,000.00 | 9.25% | 9.298% | $256.59 | $50.00 | |
| Motorcycles, ATV’s, Snowmobiles, Ski Doos | New/Used | 48 months | $10,000.00 | 9.25% | 9.488% | $251.18 | $50.00 |
Monthly payment is based on example amount and maximum term
VSI Premium of $40
APR includes $50 doc fee
Loan amount contingent on NADA vehicle value. APR (Annual Percentage Rate) is based on the above example loan and includes a $50 doc fee.
****Minimum Loan Amount $35,000 with 80% Max LTV for 84 month term
*Personal Unsecured
| Maximum Loan Amount | Maximum Term | Example Amount | Current Rate | APR | Estimated Payment | Doc Fee |
|---|---|---|---|---|---|---|
| $10,000.00 | 60 months | $10,000.00 | 11.50% | 11.694% | $220.91 | $50.00 |
APR (Annual Percentage Rate) is based on a example loan and maximum term, includes a $50 doc fee.
* Quoted rates are based on credit scores of 700 or above and are subject to change without notice. Other underwriting considerations may apply.
Collateral Loans
| Minimum Loan Amount | Maximum Term | Maximum LTV | Current Rate | Doc Fee |
|---|---|---|---|---|
| $100.00 | 60 months | 95% | Deposit rate +3.50% (fixed) or 4.50% whichever is greater | n/a |
Secured loan value up to 95% of available funds.
Solar Program
| Loan Amounts | Max Term | Example Amount | Current Rate | APR | Est. Payment | Minimum Credit Score | Ucc Fee | Doc Fee |
|---|---|---|---|---|---|---|---|---|
| $5,000 – $25,000 | 120 months | $25,000.00 | 8.74% | 8.796% | $313.93 | 725 | Up to $72.25 | $50.00 |
| $25,001 – $40,000 | 180 months | $40,000.00 | 9.24% | 9.270% | $412.16 | $50.00 |
Minimum Credit Score 725
UCC Fee up to $72.25
APR (Annual Percentage Rate) is based on example amount and maximum term, includes a $50 doc fee
Energy Loans
| Product Name | Maximum Term (Months) | Loan Amount Example | Rate | Annual Percentage Rate (APR) | Monthly Payment |
|---|---|---|---|---|---|
| Energy Loans | 84 | $15,000.00 | 2.00% | 2.000% | $191.52 |
| Energy Loans | 84 | $15,000.00 | 0.00% | 0.000% | $178.58 |
- Loan amount and terms are determined by Utility Company and stated on the Residential Energy Efficiency Loan Authorization Form.
Mortgage Loans
Savings Bank of Walpole offers a wide range of home mortgage products, including fixed-rate and adjustable-rate loans. Most mortgage customers choose terms of 15 years or 30 years, although at SBW you can choose any term between 10 and 30 years.
In addition to standard home mortgages, please contact a loan specialist to help you with the following:
- VA & FHA Loans
- Construction loans
- Land loans
- Manufactured home loans on owned land in parks & co-ops
- Home equity loans
Below are the current rates for our most common standard mortgage options.
• Please note that rates and fees are subject to change without notice.
• Conforming means the loan meets the underwriting guidelines of Freddie Mac or Fannie Mae. In addition, the financing aspect of your loan may be sold to a third party such as Freddie Mac. It’s important for you to know, you’ll still make payments to Savings Bank of Walpole, and our NH team we will always be here to answer your questions and service your loan. When we sell a loan to Freddie Mac it allows us to re-lend the proceeds helping more homeowners in our community.
• Non-Conforming means the loan parameters are outside the underwriting guidelines of Freddie Mac or Fannie Mae, so your loan will be funded by our lending portfolio here at Savings Bank of Walpole. Here again, our NH team, will always be here to service your loan.
• Where multiple rates are shown, the discount points paid vary with the rate. You may be able to get a rebate of discount points to offset closing costs – call our Mortgage Specialists to learn more.
• The rate you are offered will depend on your credit score, down payment, occupancy, property type or other loan characteristics. Click the “Get Personalized Quote” button, or contact any of our local Mortgage Specialist if you have questions. The rates shown above are for a 780 or better credit score, purchasing a home with a 30% down payment along with other characteristics, including the escrow of taxes and insurance. Click on a rate above to learn more.
Have Questions?
Our Mortgage Specialists are happy to be your mortgage guides!
Business Accounts
All rates effective Tuesday, July 15, 2025 unless otherwise noted and are subject to change without notice.
Nonprofit Advantage Checking
| Interest Rate | Annual Percentage Yield (APY) | Minimum Balance to Obtain APY | Minimum Deposit To Open | |
|---|---|---|---|---|
| $500 to $24,999.99 | 0.03% | 0.03% | $500.00 | $10.00 |
| $25,000 to $74,999.99 | 0.03% | 0.03% | $25,000.00 | $10.00 |
| $75,000 to $249,999.99 | 0.03% | 0.03% | $75,000.00 | $10.00 |
| $250,000 or more | 0.03% | 0.03% | $250,000.00 | $10.00 |
IOLTA
| Interest Rate | Annual Percentage Yield (APY) | Minimum Balance to Obtain APY | Minimum Deposit To Open | |
|---|---|---|---|---|
| $1,000 to $99,999.99 | 0.03% | 0.03% | $1,000.00 | $10.00 |
| $100,000 to $199,999.99 | 0.03% | 0.03% | $100,000.00 | $10.00 |
| $200,000 or more | 0.03% | 0.03% | $200,000.00 | $10.00 |
Business Money Market Accounts
| Interest Rate | Annual Percentage Yield (APY) | Minimum Balance to Obtain APY | Minimum Deposit To Open | |
|---|---|---|---|---|
| $2,500 to $24,999.99 | 0.35% | 0.35% | $2,500.00 | $500.00 |
| $25,000 to $99,999.99 | 0.40% | 0.40% | $25,000.00 | $500.00 |
| $100,000 to $249,999.99 | 0.50% | 0.50% | $100,000.00 | $500.00 |
| $250,000 or more | 0.60% | 0.60% | $250,000.00 | $500.00 |
Business Savings
All rates effective Tuesday, July 15, 2025 unless otherwise noted and are subject to change without notice.
| Interest Rate | Annual Percentage Yield (APY) | Minimum Balance to Obtain APY | Minimum Deposit To Open | |
|---|---|---|---|---|
| $100 to $2,499.99 | 0.05% | 0.05% | $100.00 | $10.00 |
| $2,500 to $9,999.99 | 0.05% | 0.05% | $2,500.00 | $10.00 |
| $10,000 to $24,999.99 | 0.05% | 0.05% | $10,000.00 | $10.00 |
| $25,000 or more | 0.05% | 0.05% | $25,000.00 | $10.00 |
All rates and Annual Percentage Yields (APYs) are subject to change without notice. The Annual Percentage Yield applies when the required minimum balance and interest is kept on deposit for one year. Checking, Savings and Money Market Accounts are variable rate accounts and the rate can change without notice after account opening. Fees could reduce earnings. Certificates of Deposit and IRAs are subject to a penalty for early withdrawal.
Important Disclosures
Loan rates and terms may vary.
All loans subject to credit approval.
APR = Annual Percentage Rate
Minimum loan amount is $1,000.00 unless otherwise stated.
Contact us for further details.
Equal Opportunity Lender. Loans are made without regard to race, color,religion, national origin, handicap or familial status.