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Cash Reserve provides an extra "cushion".

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Cash Reserve

When your checking account comes up a bit short, Cash Reserve provides an extra "cushion" via an unsecured personal revolving line of credit, which provides overdraft protection on your checking account. Credit lines from $1,000 to $10,000 are available upon approval of your credit application. The annual fee for this service is just $50.

Personal Loans Unsecured Rates

Amount Maximum Term
Premium Rate* Annual
Percentage Rates
Monthly Payment
per $1000 Borrowed
$1,500 – $10,000* 60 9.99% 10.54% $21.25

*Based on a minimum credit score of 720 and subject to Wayne Bank’s credit policy. Other rates and terms available. Minimum amount is $1,500 and maximum amount is $10,000.

Annual Percentage Rates (APRs) are effective as May 18, 2023 and are subject to change without notice.

Final rate and APR will be determined based on review of credit application.

Rates and APRs for 60 month unsecured loans range from a rate of 9.99% with an APR of 10.54% and a monthly payment of $21.25 per $1,000 borrowed, as disclosed above, to 13.74% with an APR of 14.31% and a monthly payment of $23.14 per $1,000 borrowed. Cost per thousand does not include the loan documentation fee.

APR calculations include a $125 loan documentation fee and are based on $10,000 loan for unsecured loan.

Other terms and rates are available. Please contact any local Community Office for additional information.

Rate assumes monthly payment is automatically drafted from a Wayne Bank checking account.

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Low rates and terms of up to 60 months.