Current Rates

Important Disclosures

APR = Annual Percentage Rate. Your APR may differ based on credit history, credit worthiness, collateral year, term of loan, loan to value, and fees that may constitute finance charges. Not all applicants will qualify for the lowest rate. Share and share certificate secured loans and other flat rate loans are not subject to managed risk pricing. Your actual APR will be included in the initial Truth in Lending disclosure. Rates are subject to change without notice.

Applicants consolidating debt add 1.00% to the personal loan base rate, not to exceed 17.99%.

APY = Annual Percentage Yield. Rates are accurate as of 16 September 2026, are variable, and may change after the account is opened. Fees may reduce earnings.

Kasasa Cash and Kasasa Saver rates depend on meeting the monthly qualifications. Cycles that do not qualify earn the stated non-qualified rate.

Youth Super Saver: the stated rate applies to the first $10,000 on deposit. Check 24: the stated rate applies to the first $2,500 on deposit.

Health Savings Account: special rules govern the use of HSA funds, withdrawals and deposit limits. See a Waypoint representative for an account agreement and additional disclosures, and see your tax advisor about the tax advantages and liabilities of an HSA.

A penalty may be imposed for early withdrawal. The penalty is 90 days of dividends on terms of one year or less, 182 days from one year up to two years, and 365 days on terms above two years.

Certificates renew automatically, with a 10-day grace period and a mailed notice.

A new-money special adds 0.15% APY on balances of $5,000 to $24,999.99, 0.20% APY on $25,000 to $49,999.99, and 0.25% APY on $50,000 to $250,000.

APR = Annual Percentage Rate. Rates are accurate as of 16 September 2026 and are subject to change without notice. APR may be higher due to per diem interest.

Monthly principal and interest is based on a $320,000 mortgage and includes principal and interest only. It does not include insurance and taxes, so the actual payment obligation will be higher.

Minimum loan amount $100,000. Maximum loan amount $832,750. 720 minimum credit score and up to 80% loan to value for a qualified loan. Owner occupied, single-family home or conforming condominium in Connecticut or Rhode Island only. First lien position only. All loans are subject to credit approval.

Equal Housing Lender. NMLS #404962.

Monthly principal and interest includes principal and interest only. It does not include insurance and taxes, so the actual payment obligation will be higher. All loans are subject to credit approval.

Land loan rates range from 7.00% to 9.00%, with an APR of 7.258% to 9.091%, over terms of 60 to 240 months.

Auto loan payment example: for a loan amount of $25,000 with an APR of 5.49% over a term of 66 months, the estimated monthly payment would be $439.71.

Motorcycle and powersport payment example: for a loan amount of $25,000 with an APR of 7.49% over a term of 66 months, the estimated monthly payment would be $463.31.

Recreational vehicle payment example: for a loan amount of $25,000 with an APR of 7.99% over a term of 72 months, the estimated monthly payment would be $438.21.

Payment example: for a loan amount of $5,000 with an APR of 9.49% over a term of 12 months, the monthly payment would be $438.24.

Share secured and certificate secured loans and other flat rate loans are not subject to managed risk pricing.