SERVICE

Current Rates

Rates effective as of

PERSONAL LOANS & LINES

AUTO LOANS

Type of Loan	Description	Maximum Term	Interest Rate	APR¹	Monthly Payment Per $1,000
New Auto or Truck	Model Year 2023 (never been titled)	72 Months 60 Months	5.800% 5.500%	6.255% 6.039%	$16.48 $19.10
Used/Refinance Auto or Truck	Model Years 2020-2022 Model Years 2020-2022 Model Years 2016-2019 Model Years 2013-2015 Model Years 2010-2012	72 Months 60 Months 48 Months 36 Months 36 Months	6.000% 5.750% 5.900% 8.000% 9.000%	6.457% 6.290% 6.566% 8.883% 9.887%	$16.57 $19.21 $23.44 $31.33 $31.80

Type of Loan

Description

Maximum Term

Interest Rate

APR¹

Monthly Payment Per $1,000

New Auto or Truck

Model Year 2023 (never been titled)

72 Months
60 Months

5.800%
5.500%

6.255%
6.039%

$16.48
$19.10

Used/Refinance Auto or Truck

Model Years 2020-2022
Model Years 2020-2022
Model Years 2016-2019
Model Years 2013-2015
Model Years 2010-2012

72 Months
60 Months
48 Months
36 Months
36 Months

6.000%
5.750%
5.900%
8.000%
9.000%

6.457%
6.290%
6.566%
8.883%
9.887%

$16.57
$19.21
$23.44
$31.33
$31.80

All lending products are subject to credit review and approval

Rates subject to change at any time. You may call 330.264.5767 or TOLL FREE 800.414.1103 to determine if these rates have changed, or check our website at waynesavings.com.

1. Annual Percentage Rate(APR) based on an average loan of $15,000 with processing fee of $195.00. Automatic Transfer: All rates subject to an automatic transfer of monthly payments. Transfer can be from a Wayne Savings account or an account at another institution. Add 0.25% to rates for payments not automatically transferred.

AUTO LOANS

Type of Loan
New Auto or Truck

Description
Model Year 2023 (never been titled)

Maximum Term
72 Months
60 Months

Interest Rate
5.800%
5.500%

APR¹
6.255%
6.039%

Monthly Payment Per $1,000
$16.48
$19.10

Type of Loan
Used/Refinance Auto or Truck

Description
Model Years 2020-2022
Model Years 2020-2022
Model Years 2016-2019
Model Years 2013-2015
Model Years 2010-2012

Maximum Term
72 Months
60 Months
48 Months
36 Months
36 Months

Interest Rate
6.000%
5.750%
5.900%
8.000%
9.000%

APR¹
6.457%
6.290%
6.566%
8.883%
9.887%

Monthly Payment Per $1,000
$16.57
$19.21
$23.44
$31.33
$31.80

All lending products are subject to credit review and approval

Rates subject to change at any time. You may call 330.264.5767 or TOLL FREE 800.414.1103 to determine if these rates have changed, or check our website at waynesavings.com.

1. Annual Percentage Rate(APR) based on an average loan of $15,000 with processing fee of $195.00. Automatic Transfer: All rates subject to an automatic transfer of monthly payments. Transfer can be from a Wayne Savings checking or an account at another institution. Add 0.25% to rates for payments not automatically transferred.

CONSUMER LOANS

Type of Loan	Description	Maximum Term	Interest Rate	APR²	Monthly Payment Per $1,000
Appliances and Furniture		36 Months	11.250%	12.608%	$32.85
New Boats	Up to 20 Feet 21 - 30 Feet Over 30 Feet	60 Months 84 Months 120 Months	10.000% 10.500% 11.000%	10.846% 11.135% 11.476%	$21.24 $16.86 $13.77
Used Boats	1 - 2 Model Years Old 3 -7 Model Years Old 8+ Model Years	36 Months 24 Months No Consideration	11.000% 12.000%	12.355% 13.977%	$32.73 $47.07
Recreational Vehicles (including motorcycles and ATVs)	New 1 - 3 Model Years Old 4 - 7 Model Years Old 8+ Model Years	60 Months 60 Months 48 Months No Consideration	9.000% 10.000% 11.500%	9.839% 10.846% 12.546%	$20.76 $21.24 $26.08
Secured Loans	Monthly Installments	36 Months	13.750%	15.137%	$34.06
Unsecured Loans	Monthly Installments	24 Months	14.750%	16.762%	$48.37
Note Loans³	$0 - $10,000 $10,001+	6 Months 6 Months	10.750% 11.000%	14.952% 15.207%

All lending products are subject to credit review and approval

Rates subject to change at any time. You may call 330.264.5767Call: 330.264.5767 or TOLL FREE 800.414.1103Call: 800.414.1103 to determine if these rates have changed, or check our website at waynesavings.com.

2. Annual Percentage Rate (APR) based on an average loan of $10,000 with processing fee of $195.00. Automatic Transfer: All rates subject to an automatic transfer of monthly payments. Transfer can be from a Wayne Savings checking or an account at another institution. Add 0.25% to rates for payments not automatically transferred.

3. Note Loans do not qualify for automatic transfer relationship rates.

Automatic Transfer: All rates subject to an automatic transfer of monthly payments. Transfer can be from a Wayne Savings account or an account at another institution. Add 0.25% to rates for payments not automatically transferred.

CONSUMER LOANS

Type of Loan
Appliances and Furniture

Description

Maximum Term
36 Months

Interest Rate
11.250%

APR²
12.608%

Monthly Payment Per $1,000
$32.85

Type of Loan
New Boats

Description
Up to 20 Feet
21 - 30 Feet
Over 30 Feet

Maximum Term
60 Months
84 Months
120 Months

Interest Rate
10.000%
10.500%
11.000%

APR²
10.846%
11.135%
11.476%

Monthly Payment Per $1,000
$21.24
$16.86
$13.77

Type of Loan
Used Boats

Description
1 - 2 Model Years Old
3 -7 Model Years Old
8+ Model Years

Maximum Term
36 Months
24 Months
No Consideration

Interest Rate
11.000%
12.000%

APR²
12.355%
13.977%

Monthly Payment Per $1,000
$32.73
$47.07

Type of Loan
Recreational Vehicles (including motorcycles and ATVs)

Description
New
1 - 3 Model Years Old
4 - 7 Model Years Old
8+ Model Years

Maximum Term
60 Months
60 Months
48 Months
No Consideration

Interest Rate
9.000%
10.000%
11.500%

APR²
9.839%
10.846%
12.546%

Monthly Payment Per $1,000
$20.76
$21.24
$26.08

Type of Loan
Secured Loans

Description
Monthly Installments

Maximum Term
36 Months

Interest Rate
13.750%

APR²
15.137%

Monthly Payment Per $1,000
$34.06

Type of Loan
Unsecured Loans

Description
Monthly Installments

Maximum Term
24 Months

Interest Rate
14.750%

APR²
16.762%

Monthly Payment Per $1,000
$48.37

Type of Loan
Note Loans⁴

Description
$0 - $10,000
$10,001+

Maximum Term
6 Months
6 Months

Interest Rate
10.750%
11.000%

APR²
14.952%
15.207%

All lending products are subject to credit review and approval

Rates subject to change at any time. You may call 330.264.5767 or TOLL FREE 800.414.1103 to determine if these rates have changed, or check our website at waynesavings.com.

2. Annual Percentage Rate (APR) based on an average loan of $10,000 with processing fee of $195.00 (with exception of Relationship Personal Unsecured Loan - see below). Automatic Transfer: All rates subject to an automatic transfer of monthly payments. Transfer can be from a Wayne Savings checking or an account at another institution. Add 0.25% to rates for payments not automatically transferred.

3. Exclusive for Wayne Savings customers (call for details and eligibility requirements). Processing fee of $100.00. Annual Percentage Rate (APR) based on average loan of $10,000. Minimum loan amount of $1,000. Maximum loan amount of $15,000. Automatic Transfer: All rates subject to an automatic transfer of monthly payments. Transfer can be from a Wayne Savings account or an account at another institution. Add 0.25% to rates for payments not automatically transferred.

4. Note Loans do not qualify for automatic transfer relationship rates.

HOME EQUITY LOANS

Credit Score	Limit	Interest Rate⁴ 80.01% - 90% LTV	Interest Rate⁴ 80% and Less LTV	APR 80.01% - 90% LTV	APR 80% and Less LTV
751 and Above	$5,000-$24,999	9.00%	8.50%	9.00%	8.50%
	$25,000-$49,999	8.75%	8.25%	8.75%	8.25%
	$50,000 and Above	8.50%	8.00%	8.50%	8.00%
711-750	$5,000-$24,999	9.75%	9.25%	9.75%	9.25%
	$25,000-$49,999	9.50%	9.00%	9.50%	9.00%
	$50,000 and Above	9.25%	8.75%	9.25%	8.75%
650-710	$5,000-$24,999	10.75%	10.25%	10.75%	10.25%
	$25,000-$49,999	10.50%	10.00%	10.50%	10.00%
	$50,000 and Above	10.25%	9.75%	10.25%	9.75%

Prime Rate	8.00%
Single Family Primary Residence/Owner Occupied Only
Loan Origination Fee	$0
Prepayment Penalty 1st 3 Years	$400
Annual Fee - Assessed on anniversary date (waived the first year)	$75
Addition to rate without auto deduct	0.25%
Rate Ceiling	25.00%
Rate Floor	8.00%
Loan Term	25 years(Draw period of 10 years;repayment of 15 years)
Minimum line amount	$5,000
Title insurance required and paid by customer if over $250,000 unless previous title policy provided
Full appraisal required and paid by customer with loan amounts over $250,000
Customer can request a full interior/exterior appraisal but will be charged $450 at closing
Manufactured housing must meet criteria	Max LTV 80%
*Must be converted to real estate on auditors card
*Must be double-wide
*Manufactured date of 2003 (20 yrs Old) or newer
*Must be on permanent foundation
Investment property	Not Eligible

All lending products are subject to credit review and approval

Rates subject to change at any time. You may call 330.264.5767 or TOLL FREE 800.414.1103 to determine if these rates have changed, or check our website at waynesavings.com.

4. Variable Rate: Annual Percentage Rate (APR) may vary. Maximum Annual Percentage Rate (APR) of 25.000%, minimum Annual Percentage Rate (APR) of 8.00% (Prime Rate). The Annual Percentage Rates are variable and are based on The Wall Street Journal Prime.

Automatic Transfer: All rates subject to an automatic transfer of monthly payments. This transfer can be from a Wayne Savings account or an account at another institution. Add 0.25% to rates for payments not automatically transferred.

Property insurance must be carried on the real property securing the account.

HOME EQUITY LOANS

Credit Score - 751 and Above

Limit
$5,000-$24,999
$25,000-$49,999
$50,000 and Above

Interest Rate ⁵ 80.01% - 90% LTV
9.00%
8.75%
8.50%

Interest Rate⁵ 80% and Less LTV
8.50%
8.25%
8.00%

APR
80.01% - 90% LTV
9.00%
8.75%
8.50%

APR
80% and Less LTV
8.50%
8.25%
8.00%

Credit Score - 711-750

Limit
$5,000-$24,999
$25,000-$49,999
$50,000 and Above

Interest Rate ⁵ 80.01% - 90% LTV
9.75%
9.50%
9.25%

Interest Rate⁵ 80% and Less LTV
9.25%
9.00%
8.75%

APR
80.01% - 90% LTV
9.75%
9.50%
9.25%

APR
80% and Less LTV
9.25%
9.00%
8.75%

Credit Score - 650-710

Limit
$5,000-$24,999
$25,000-$49,999
$50,000 and Above

Interest Rate ⁵ 80.01% - 90% LTV
10.75%
10.50%
10.25%

Interest Rate⁵ 80% and Less LTV
10.25%
10.00%
9.75%

APR
80.01% - 90% LTV
10.75%
10.50%
10.25%

APR
80% and Less LTV
10.25%
10.00%
9.75%

Prime Rate
8.00%

Single Family Primary Residence/Owner Occupied Only
Loan Origination Fee
$0

Prepayment Penalty 1st 3 Years
$400

Annual Fee - Assessed on anniversary date (waived the first year)
$75

Addition to rate without auto deduct from Wayne Savings checking

Rate Ceiling

Rate Floor
8.00%

Loan Term
25 years (Draw period of 10 years; repayment period of 15 years).

Minimum line amount
$5,000

Title insurance required and paid by customer if over $250,000 unless previous title policy provided
$250,000

Full appraisal required and paid by customer with loan amounts over
$250,000
Customer can request a full interior/exterior appraisal but will be charged $450 at closing

Manufactured housing must meet criteria

*Must be converted to real estate on auditors card
*Manufactured date of 2003 (20 yrs old) or newer
*Must be on permanent foundation

Investment property
Not Eligible

All lending products are subject to credit review and approval

Rates subject to change at any time. You may call 330.264.5767 or TOLL FREE 800.414.1103 to determine if these rates have changed, or check our website at waynesavings.com.

5. Variable Rate: Annual Percentage Rate (APR) may vary. Maximum Annual Percentage Rate (APR) of 25.000%, minimum Annual Percentage Rate (APR) of 8.00% (Prime Rate). The Annual Percentage Rates are variable and are based on The Wall Street Journal Prime.

Automatic Transfer: All rates subject to an automatic transfer of monthly payments. This transfer can be from a Wayne Savings checking account or an account at another institution. Add 0.25% to rates for payments not automatically transferred.

Property insurance must be carried on the real property securing the account.