Bank · FDIC insured
Washington Trust Bank Savings Rates
Washington Trust Bank’s best savings rate is 0.20% APY on $10,000, with its Preferred Money Market. Rates checked October 22, 2026.
How Washington Trust Bank’s savings rates compare
Compared with banks and credit unions near Spokane, WA, where Washington Trust Bank has the most branches. $10,000, best rate first.
This bank’s best
Washington Trust Bank
0.20%APY
- Requires
- None
- Minimum
- $500
- Earns on $10,000 a year
- $20
Preferred Money Market
Top rate
Progressions Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $400
2nd-highest rate
WaFd Bank
3.82%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $382
Washington Trust Bank savings score
68
Savings score
Higher than 22% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.20%
- $100,000 balance$100,0000.75%
- QualifiedQualified0.20%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Washington Trust Bank ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Signature Money Market
Up to 0.20%APY
Tiered rates. Monthly service charge of $15 waived if the $20,000 average ledger balance requirement is met. Rate may change after account is opened. Eligible to receive single wallet style WTB Custom checks when ordered with bulk shipping at no cost.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upMonthly service charge of $15 waived if $20,000 average ledger balance is maintained. | 0.15% | $15 | Monthly service charge of $15 waived if $20,000 average ledger balance is maintained. |
| $10,000 and upMonthly service charge of $15 waived if $20,000 average ledger balance is maintained. | 0.20% | $20 | Monthly service charge of $15 waived if $20,000 average ledger balance is maintained. |
| $20,000 and upMonthly service charge of $15 waived if $20,000 average ledger balance is maintained. | 0.25% | — | Monthly service charge of $15 waived if $20,000 average ledger balance is maintained. |
| $50,000 and upMonthly service charge of $15 waived if $20,000 average ledger balance is maintained. | 0.35% | — | Monthly service charge of $15 waived if $20,000 average ledger balance is maintained. |
| $100,000 and upMonthly service charge of $15 waived if $20,000 average ledger balance is maintained. | 0.75% | — | Monthly service charge of $15 waived if $20,000 average ledger balance is maintained. |
| $500,000 and upMonthly service charge of $15 waived if $20,000 average ledger balance is maintained. | 2.02% | — | Monthly service charge of $15 waived if $20,000 average ledger balance is maintained. |
| $1,000,000 and upMonthly service charge of $15 waived if $20,000 average ledger balance is maintained. | 2.02% | — | Monthly service charge of $15 waived if $20,000 average ledger balance is maintained. |
| $3,000,000 and upMonthly service charge of $15 waived if $20,000 average ledger balance is maintained. | 2.02% | — | Monthly service charge of $15 waived if $20,000 average ledger balance is maintained. |
| $5,000,000 and upMonthly service charge of $15 waived if $20,000 average ledger balance is maintained. | 2.02% | — | Monthly service charge of $15 waived if $20,000 average ledger balance is maintained. |
Sources (2)
All captured Oct 4, 2026
Preferred Money Market
Up to 0.20%APY
Tiered rates. Monthly service charge of $10 waived if the $3,000 average ledger balance requirement is met. Rate may change after account is opened. Eligible to receive single wallet style WTB Custom checks when ordered with bulk shipping at no cost.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upMonthly service charge of $10 waived if $3,000 average ledger balance is maintained. | 0.15% | $15 | Monthly service charge of $10 waived if $3,000 average ledger balance is maintained. |
| $5,000 and upMonthly service charge of $10 waived if $3,000 average ledger balance is maintained. | 0.15% | $15 | Monthly service charge of $10 waived if $3,000 average ledger balance is maintained. |
| $10,000 and upMonthly service charge of $10 waived if $3,000 average ledger balance is maintained. | 0.20% | $20 | Monthly service charge of $10 waived if $3,000 average ledger balance is maintained. |
| $15,000 and upMonthly service charge of $10 waived if $3,000 average ledger balance is maintained. | 0.20% | — | Monthly service charge of $10 waived if $3,000 average ledger balance is maintained. |
| $25,000 and upMonthly service charge of $10 waived if $3,000 average ledger balance is maintained. | 0.25% | — | Monthly service charge of $10 waived if $3,000 average ledger balance is maintained. |
| $50,000 and upMonthly service charge of $10 waived if $3,000 average ledger balance is maintained. | 0.35% | — | Monthly service charge of $10 waived if $3,000 average ledger balance is maintained. |
| $100,000 and upMonthly service charge of $10 waived if $3,000 average ledger balance is maintained. | 0.75% | — | Monthly service charge of $10 waived if $3,000 average ledger balance is maintained. |
| $500,000 and upMonthly service charge of $10 waived if $3,000 average ledger balance is maintained. | 0.75% | — | Monthly service charge of $10 waived if $3,000 average ledger balance is maintained. |
| $1,000,000 and upMonthly service charge of $10 waived if $3,000 average ledger balance is maintained. | 0.75% | — | Monthly service charge of $10 waived if $3,000 average ledger balance is maintained. |
Sources (2)
All captured Oct 4, 2026
Simplicity Savings
0.05%APY
Rate may change after account is opened. Fees can reduce earnings. Monthly service charge of $3 waived when the minimum ledger balance of $300 is maintained. $3 monthly service charge refund if set up with combined statements for savings and checking account (applied even if minimum ledger balance waiver is not met). For quarterly statements, $3 fee assessed any month daily ledger balance falls below $300. Up to 75 items per statement cycle can be deposited with no charge, thereafter $0.20 per item.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upMonthly service charge of $3 waived with a $300 minimum ledger balance; $3 refund applied if combined with checking account statement even if minimum ledger balance waiver is not met. For quarterly statements, $3 fee assessed any month daily ledger balance falls below $300. Up to 75 deposited items per cycle free, then $0.20 per item.$1 and up | 0.05% | $5 | Monthly service charge of $3 waived with a $300 minimum ledger balance; $3 refund applied if combined with checking account statement even if minimum ledger balance waiver is not met. For quarterly statements, $3 fee assessed any month daily ledger balance falls below $300. Up to 75 deposited items per cycle free, then $0.20 per item. |
Sources (1)
- watrust.com/personal/banking/savings-and-money-market · captured Oct 4, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.