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 - July 31, 2025

SAVINGS RATES APY MIN
SAV
0.95% $1 Compare
SAV
0.25% $10 Compare
SAV
0.30% $25 Compare
SAV
3.40% $5,000 Compare
CD RATES APY MIN
3 Mo CD
0.75% $1,000 Compare
6 Mo CD
0.80% $1,000 Compare
7 Mo CD
3.95% $1,000 Compare
11 Mo CD
3.90% $1,000 Compare
12 Mo CD
0.85% $1,000 Compare
19 Mo CD
3.80% $1,000 Compare
24 Mo CD
0.90% $1,000 Compare
25 Mo CD
3.55% $1,000 Compare
60 Mo CD
1.00% $1,000 Compare
MM RATES APY MIN
Money Market
0.07% $2,500 Compare
VARIABLE IRA RATES APY MIN
VIRA
3.95% $500
VIRA
3.55% $501
VIRA
3.80% $502
VIRA
3.90% $503

Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 26451
Date Established 1888
Assets $ 1,577.53 million
Loans $ 1,078.05 million
Deposits $ 1,341.58 million
Capital $ 176.40 million

Summary Balance Sheet as of March 31, 2025

ASSETS
Cash & Balances due from depository institutions $ 64.14 million
Interest-bearing balances $ 50.29 million
Total securities $ 301.37 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 1,078.05 million
Loan loss allowance $ 7.74 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 45.97 million
All other assets $ 39.95 million
     Total Assets $ 1,401.13 million

LIABILITIES
Total deposits $ 1,341.58 million
      Interest-bearing deposits $ 1,215.76 million
      Deposits held in domestic offices $ 1,341.58 million
      % insured (estimated)" 70.21%
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 $ 1,401.13 million
      Shareholders’ Equity $ 176.40 million

Summary Income Statement as of March 31, 2025

INCOME AND EXPENSES
Total Interest Income $ 22.58 million
Total Interest Expense $ 8.40 million
Net interest income $ 14.17 million
Provision for loan and lease losses $ 0.16 million
Total non interest income $ 1.73 million
Total non interest expense $ 11.37 million
Pre-tax Net Operating Income $ 7.46 million

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Branches

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Fidelity Co-operative Bank Locations