A fluid filter assembly including a canister having a first passage and a second passage. A filter element is disposed within the canister and defines a bore, which is aligned with and in communication with the first passage. An end-cap is mounted on the end of the filter element and has a center portion, which is aligned with the bore of the filter element and has at least one bypass hole. A washer valve is mounted on the center portion of the end-cap, and has a closed position, wherein the washer valve sits flush against the end-cap sealing the at least one bypass hole from the bore, and an open position, wherein the washer valve deflects away from the end-cap exposing the at least one bypass hole to the bore.