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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 Unsecured Installment Loans

Loan Amount Term
Interest Rate Annual
Percentage Rate1
Monthly Payment
per $1000 Borrowed
$1,500 – $10,000* 60 10.99% 11.54% $21.74

1 The Annual Percentage Rate (APR) is effective as of May 16, 2024. The APR assumes a $10,000.00 loan amount, a minimum credit score of 720, that the monthly payment is automatically deducted from a Wayne Bank checking account and includes a $125 loan documentation fee. The APR will increase by .25% if the automatic payment deduction is not selected or is terminated.

Higher interest rates and APRs are in effect for lower credit scores.

APRs and interest rates are subject to change without notice. Other terms and interest rates are available. Additional fees and restrictions may apply. Please contact any local Community Office for additional information.

All loans are subject to credit approval.

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Loans for a variety of consumer needs including vehicles and lines-of-credit

Automobile Loans

Help keep your auto payments affordable.

Sports ATV Motorcycle Boat Loans

Low rates and terms of up to 60 months.