Fidelity Co-operative Bank


Fidelity Co-operative Bank is an FDIC insured institution headquartered at 9 Leominster Connector, Leominster, MA 01453.
It was founded in 1888 and has approximately $2 billion in assets. Customers can open an account at one of its 11 branches.

Deposit Rates - April 25, 2025

SAVINGS RATES APY MIN
SAV
4.00% $0 Compare
SAV
1.00% $1 Compare
SAV
0.25% $10 Compare
SAV
0.30% $25 Compare
CD RATES APY MIN
3 Mo CD
0.70% $500 Compare
6 Mo CD
0.75% $500 Compare
7 Mo CD
4.10% $500 Compare
11 Mo CD
3.95% $500 Compare
12 Mo CD
0.80% $500 Compare
19 Mo CD
3.75% $500 Compare
24 Mo CD
0.85% $500 Compare
25 Mo CD
3.50% $500 Compare
60 Mo CD
1.00% $500 Compare
VARIABLE IRA RATES APY MIN
VIRA
4.10% $500
VIRA
3.50% $501
VIRA
3.75% $502
VIRA
3.95% $503

Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 26451
Date Established 1888
Assets $ 1,550.41 million
Loans $ 1,063.08 million
Deposits $ 1,352.41 million
Capital $ 174.61 million

Summary Balance Sheet as of December 31, 2024

ASSETS
Cash & Balances due from depository institutions $ 62.31 million
Interest-bearing balances $ 52.37 million
Total securities $ 295.53 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 1,063.08 million
Loan loss allowance $ 7.59 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 46.88 million
All other assets $ 39.95 million
     Total Assets $ 1,375.80 million

LIABILITIES
Total deposits $ 1,352.41 million
      Interest-bearing deposits $ 1,133.95 million
      Deposits held in domestic offices $ 1,352.41 million
      % insured (estimated)" 70.89%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 27.04 million
Subordinated debt N.A.
All other liabilities $ 10.26 millionn
      Total Liabilities $ 1,375.80 million
      Shareholders’ Equity $ 174.61 million

Summary Income Statement as of December 31, 2024

INCOME AND EXPENSES
Total Interest Income $ 72.59 million
Total Interest Expense $ 28.38 million
Net interest income $ 44.21 million
Provision for loan and lease losses $ 5.54 million
Total non interest income $ 4.30 million
Total non interest expense $ 33.05 million
Pre-tax Net Operating Income $ 7.46 million

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Branches

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Fidelity Co-operative Bank Locations