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Current Rates

Auto Rates

Are you looking for a specific Auto Loan Rate? If so, check out our Rate Tracker service. We'll monitor the rates for you and when your term and rate becomes available at WSB&T, we'll notify you by email!

Year Term Rate APR *
2014 - 2013 60 Months 3.800 3.996%
2012 60 Months 4.700 4.890%
2012 48 Months 4.650 4.891%
2011 48 Months 5.000 5.240%
2010 48 Months 5.250 5.549%
2009 Up to 48 Months 6.000 6.234%

 

  • * APR stands for Annual Percentage Rate
  • APR's for car loans based on loan amount of $30,000 and $150 loan closing fee
  • All loans subject to terms and approval
  • Rates subject to change without notice. Auto Rates effective as of 01/17/2014.
  • 72 month financing available on current year models and a loan amount of $30,000.

CD Rates

Term Rate APY
13 Month 0.400% 0.400%
3 Month 0.110% 0.110%
6 Month 0.150% 0.150%
9 Month 0.150% 0.150%
12 Month CD 0.270% 0.270%
15 Month CD 0.250% 0.250%
18 Month CD 0.450% 0.450%
24 Month CD 0.550% 0.550%
30 Month CD 0.500% 0.500%
36 Month CD (3 Year) 0.700% 0.700%
48 Month CD (4 Year) 1.100% 1.100%
60 Month CD (5 year) 1.490% 1.500%

 

  • References to APY mean Annual Percentage Yield
  • $1000.00 minimum balance required
  • Penalties exist for early withdrawal

Selected CD yield Information for qualified accounts as of 06/18/2014

Mortgage Rates

Are you looking for a specific Mortgage? If so, check out our Rate Tracker service. We'll monitor the rates for you and when your term and rate becomes available at WSB&T, we'll notify you by email!

Fixed Term Stated Rate APR
30 Year Rural Housing 4.000 4.590%
15 Year FHA Mortgage
(96.5% Financing Available)
3.500 4.075%
30 Year FHA Mortgage
(96.5% Financing Available)
4.125 4.456%
10 Year Mortgage 3.000 3.053%
15 Year Mortgage 3.250 3.286%
20 Year Mortgage 3.875 3.904%
30 Year Mortgage 4.125 4.146%

The interest rates and annual percentage rates (APR's) are subject to change without notice. Rates and APR calculations listed below for 10, 15, 20, and 30-year loans are based on a loan amount of $150,000.00, with a LTV ratio of 80% or less and an assumed credit score of 740 or above. In addition, the purpose of the loan must be to purchase or refinance a loan in which the property is the primary residence and an existing 1-4 family home. Your annual percentage rate (APR) will vary based on your final loan amount and finance charges. Payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater. Once your application is submitted, a loan officer will contact you to discuss your application and qualifying rates and terms.

Number of PaymentsRateAPRPayment Amount
1203.503.55$1,483.29
1803.753.78$1,090.83
2404.504.53$948.97
3604.754.77$782.47

Springfield
3341 Old Jacksonville Road
217-698-9728
Springfield
1748 Wabash Avenue
217-698-9728
Sherman
480 S Crossing Drive
217-698-9728
Williamsville
512 W Main Street
217-698-9728
Member FDICEqual Housing Lender