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 - December 14, 2025
| SAVINGS RATES | APY | MIN | |
|---|---|---|---|
|
SAV
|
0.95% | $1 | Compare |
|
SAV
|
0.25% | $10 | Compare |
|
SAV
|
0.30% | $25 | Compare |
|
SAV
|
2.75% | $5,000 | Compare |
| CD RATES | APY | MIN | |
|---|---|---|---|
|
3 Mo CD
|
2.25% | $1,000 | Compare |
|
6 Mo CD
|
2.30% | $1,000 | Compare |
|
7 Mo CD
|
3.35% | $1,000 | Compare |
|
11 Mo CD
|
2.90% | $1,000 | Compare |
|
12 Mo CD
|
2.10% | $1,000 | Compare |
|
19 Mo CD
|
2.70% | $1,000 | Compare |
|
24 Mo CD
|
0.90% | $1,000 | Compare |
|
25 Mo CD
|
2.60% | $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
|
3.35% | $500 |
|
VIRA
|
2.60% | $501 |
|
VIRA
|
2.70% | $502 |
|
VIRA
|
2.90% | $503 |
Featured Home Equity Rates
-
Sponsored
-
#1 Non-bank HELOC in the US, A+ BBB Rating $0 -
Reliant Home Funding, Inc
NMLS ID: 292473 / Updated 2025-09-22Intro APR: 6.950 %
After Intro:6.950 %
$15,000 -
Figure Home Equity
NMLS ID: 1717824 / Updated 2025-09-22Intro APR: 6.950 %
After Intro:6.950 %
$15,000 -
Intro APR: 6.990 %
After Intro:6.990 %
$0 - Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.
Featured 30-Year Fixed Mortgage Rates
-
Sponsored
-
Reliant Home Funding, Inc.
NMLS ID: 2924735.872% $1,868 Fees & Points $4,277 Total
0.713 Pts ($2,282)
$1,995 Fees -
Quicken Loans
NMLS ID: 167283Fees & Points Total
Pts ($0)
$0 Fees -
Rocket Mortgage
NMLS ID: 3030Fees & Points Total
Pts ($0)
$0 Fees - Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.
Overview 2025
General Bank Information
| FDIC Insured | Yes |
| FDIC Certificate | # 26451 |
| Date Established | 1888 |
| Assets | $ 1,579.65 million |
| Loans | $ 1,077.29 million |
| Deposits | $ 1,376.79 million |
| Capital | $ 178.30 million |
Summary Balance Sheet as of June 30, 2025
| ASSETS | |
| Cash & Balances due from depository institutions | $ 56.13 million |
| Interest-bearing balances | $ 41.44 million |
| Total securities | $ 309.53 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 1,077.29 million |
| Loan loss allowance | $ 7.98 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | N.A. |
| Goodwill and other intangibles | $ 44.93 million |
| All other assets | $ 39.95 million |
| Total Assets | $ 1,401.34 million |
| LIABILITIES | |
| Total deposits | $ 1,376.79 million |
| Interest-bearing deposits | $ 1,154.51 million |
| Deposits held in domestic offices | $ 1,376.79 million |
| % insured (estimated)" | 70.67% |
| 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 | $ 1,401.34 million |
| Shareholders’ Equity | $ 178.30 million |
Summary Income Statement as of June 30, 2025
| INCOME AND EXPENSES | |
| Total Interest Income | $ 45.96 million |
| Total Interest Expense | $ 17.45 million |
| Net interest income | $ 28.51 million |
| Provision for loan and lease losses | $ 0.41 million |
| Total non interest income | $ 3.59 million |
| Total non interest expense | $ 22.93 million |
| Pre-tax Net Operating Income | $ 7.46 million |
Customer Reviews for Fidelity Co-operative Bank
Branches
Click on location and enter new zip number to change."
Your current location is: New York City, NY
Fidelity Co-operative Bank Locations
Savings Comparison
This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."
PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES
Tax Rate: 30%
All calculations are for demonstration purposes only."
- 1LOCAL SAVINGSBank-$50,000N.A.0.95%4.20x (National Avg. - 0.23%)$1-SCENARIO
Year Rate
0.95%Annual
InterestAnnual Interest
(After Tax)1 50,000 475 333 2 50,475 480 336 3 50,955 484 339 4 51,439 489 342 5 51,927 493 345 6 52,421 498 349 7 52,919 503 352 8 53,421 508 355 9 53,929 512 359 10 54,441 517 362 11 54,958 522 365 12 55,480 527 369 13 56,007 532 372 14 56,540 537 376 15 57,077 542 380 16 57,619 547 383 17 58,166 553 387 18 58,719 558 390 19 59,277 563 394 20 59,840 568 398 TOTAL $10,408 $7,286 - 2ONLINE SAVINGSBank-$50,000N.A.4.00%17.70x (National Avg. - 0.23%)$1,000-SCENARIO
Year Rate
4.00%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,000 1,400 2 52,000 2,080 1,456 3 54,080 2,163 1,514 4 56,243 2,250 1,575 5 58,493 2,340 1,638 6 60,833 2,433 1,703 7 63,266 2,531 1,771 8 65,797 2,632 1,842 9 68,428 2,737 1,916 10 71,166 2,847 1,993 11 74,012 2,960 2,072 12 76,973 3,079 2,155 13 80,052 3,202 2,241 14 83,254 3,330 2,331 15 86,584 3,463 2,424 16 90,047 3,602 2,521 17 93,649 3,746 2,622 18 97,395 3,896 2,727 19 101,291 4,052 2,836 20 105,342 4,214 2,950 TOTAL $59,556 $41,689
There are currently no comments for Fidelity Co-operative Bank. Be the first to share your experience. Please provide comments that will help others.