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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 $1 billion in assets. Customers can open an account at one of its 11 branches.

Deposit Rates - March 20, 2026

SAVINGS RATES APY MIN
SAV
0.95% $1 Compare
SAV
0.02% $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
3.20% $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
3.20% $500
VIRA
2.60% $501
VIRA
2.70% $502
VIRA
2.90% $503




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 26451
Date Established 1888
Assets $ 1,440.32 million
Loans $ 1,061.36 million
Deposits $ 1,253.15 million
Capital $ 165.93 million

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 44.88 million
Interest-bearing balances $ 30.29 million
Total securities $ 199.76 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 1,061.36 million
Loan loss allowance $ 15.56 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 43.97 million
All other assets $ 39.95 million
     Total Assets $ 1,274.39 million

LIABILITIES
Total deposits $ 1,253.15 million
      Interest-bearing deposits $ 1,024.43 million
      Deposits held in domestic offices $ 1,253.15 million
      % insured (estimated)" 73.80%
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 $ 1,274.39 million
      Shareholders’ Equity $ 165.93 million

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 68.06 million
Total Interest Expense $ 25.44 million
Net interest income $ 42.62 million
Provision for loan and lease losses $ 21.40 million
Total non interest income $ 6.08 million
Total non interest expense $ 33.85 million
Pre-tax Net Operating Income $ 7.46 million

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Fidelity Co-operative Bank Locations

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