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Canton Co-operative Bank Rates & Review October 2026

Canton Co-operative Bank's top rates as of October 11, 2026 are 4.10% APY on its 6-Month CD, 3.25% APY on money market accounts, 0.12% APY on checking, and 5.625% on its 5/1 Adjustable Rate First-Time Home Buyer Loan mortgage, according to rates verified by MonitorBankRates. Other Canton Co-operative Bank CD rates include 3 Year CD at 2.75%, 3-Month CD at 2.50%, and 4 Year CD at 2.25%. Other Canton Co-operative Bank mortgage rates include 30 Year Fixed Rate First-Time Home Buyer at 6.375%, 15 Year Fixed Rate at 6.375%, and 5/1 Adjustable Rate Loan at 5.75%. MonitorBankRates evaluates the financial stability of Canton Co-operative Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.33%. Rates last updated and verified on 10/11/2026.

Canton Co-operative Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Canton Co-operative Bank? Share your experience about Canton Co-operative Bank by leaving a review below, or read customer reviews before you decide to use Canton Co-operative Bank.

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 100/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
0.33%
Excellent Lower than avg
Health Trend ?
Improving 12 quarters
Full history ›
Canton Co-operative Bank
671 Washington St
Canton, MA 02021
https://www.cantoncoopbank.com
MemberFDIC
Customer Reviews
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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Canton Co-operative Bank CD Rates

Product Rate APY Term View More
6 Month CD 4.03% 4.10% 6 Month
No additional details.
Last Updated 10/11/2026
Rate History
1 change since Sep 19, 2026 · 2.02% → 4.10% ▲ 2.08 pts · high 4.10% / low 2.02%
0.00%3.09%6.18%Sep 19, 2026: 2.02% APYOct 7, 2026: 4.10% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20264.10%▲ from 2.02%
  • Sep 19, 20262.02%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.33%
3 Year CD 2.72% 2.75% 3 Year
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 19, 2026: 2.75% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.33%
3 Month CD 2.48% 2.50% 3 Month
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 2.50% APY · checked 7 times
2.00%2.50%3.00%Sep 19, 2026: 2.50% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.33%
4 Year CD 2.23% 2.25% 4 Year
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 2.25% APY · checked 7 times
1.75%2.25%2.75%Sep 19, 2026: 2.25% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.33%
2 Year CD 1.50% 1.51% 2 Year
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 1.51% APY · checked 7 times
1.01%1.51%2.01%Sep 19, 2026: 1.51% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.33%
1 Year CD 1.00% 1.00% 1 Year
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 1.00% APY · checked 7 times
0.50%1.00%1.50%Sep 19, 2026: 1.00% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.33%

Canton Co-operative Bank Money Market Rates

Product Rate APY View More
Premium & IRA Premium Money Market Account 3.20% 3.25%
Min Balance $300,000
Details Balance: $300,000.00 to $999,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 24, 2026: 3.25% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.33%
Premium & IRA Premium Money Market Account 3.00% 3.05%
Min Balance $100,000
Details Balance: $100,000.00 to $299,999.99
Last Updated 10/11/2026
Rate History
1 change since Sep 24, 2026 · 3.04% → 3.05% ▲ 0.01 pts · high 3.05% / low 3.04%
2.54%3.05%3.55%Sep 24, 2026: 3.04% APYOct 11, 2026: 3.05% APYSep 24, 2026Oct 13, 2026
  • Oct 11, 20263.05%▲ from 3.04%
  • Sep 24, 20263.04%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.33%
Premium & IRA Premium Money Market Account 2.32% 2.35%
Min Balance $10,000
Details Balance: $10,000.00 to $99,999.99
Last Updated 10/11/2026
Rate History
2 changes since Sep 24, 2026 · 1.75% → 2.35% ▲ 0.60 pts · high 2.35% / low 1.75%
1.15%2.05%2.95%Sep 24, 2026: 1.75% APYOct 7, 2026: 2.34% APYOct 11, 2026: 2.35% APYSep 24, 2026Oct 13, 2026
  • Oct 11, 20262.35%▲ from 2.34%
  • Oct 7, 20262.34%▲ from 1.75%
  • Sep 24, 20261.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.33%
Premium & IRA Premium Money Market Account 1.98% 2.00%
Min Balance $0
Details Balance: $0.01 to $9,999.99
Last Updated 10/11/2026
Rate History
1 change since Sep 24, 2026 · 1.25% → 2.00% ▲ 0.75 pts · high 2.00% / low 1.25%
0.50%1.63%2.75%Sep 24, 2026: 1.25% APYOct 7, 2026: 2.00% APYSep 24, 2026Oct 13, 2026
  • Oct 7, 20262.00%▲ from 1.25%
  • Sep 24, 20261.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.33%
Premium & IRA Premium Money Market Account 1.00% 1.01%
Min Balance $1,000,000
Details Balance: $1,000,000.00 or more
Last Updated 10/11/2026
Rate History
1 change since Sep 24, 2026 · 1.00% → 1.01% ▲ 0.01 pts · high 1.01% / low 1.00%
0.50%1.01%1.51%Sep 24, 2026: 1.00% APYOct 11, 2026: 1.01% APYSep 24, 2026Oct 13, 2026
  • Oct 11, 20261.01%▲ from 1.00%
  • Sep 24, 20261.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.33%

Canton Co-operative Bank Business Money Market Rates

Product Rate APY View More
Business Money Market 3.20% 3.25%
Min Balance $300,000
Details Balance: $300,000.00 to $999,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 19, 2026: 3.25% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.33%
Business Money Market 3.00% 3.05%
Min Balance $100,000
Details Balance: $100,000.00 to $299,999.99
Last Updated 10/11/2026
Rate History
1 change since Sep 19, 2026 · 3.04% → 3.05% ▲ 0.01 pts · high 3.05% / low 3.04%
2.54%3.05%3.55%Sep 19, 2026: 3.04% APYOct 11, 2026: 3.05% APYSep 19, 2026Oct 13, 2026
  • Oct 11, 20263.05%▲ from 3.04%
  • Sep 19, 20263.04%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.33%
Business Money Market 2.32% 2.35%
Min Balance $10,000
Details Balance: $10,000.00 to $99,999.99
Last Updated 10/11/2026
Rate History
2 changes since Sep 19, 2026 · 1.50% → 2.35% ▲ 0.85 pts · high 2.35% / low 1.50%
0.65%1.93%3.20%Sep 19, 2026: 1.50% APYOct 7, 2026: 2.34% APYOct 11, 2026: 2.35% APYSep 19, 2026Oct 13, 2026
  • Oct 11, 20262.35%▲ from 2.34%
  • Oct 7, 20262.34%▲ from 1.50%
  • Sep 19, 20261.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.33%
Business Money Market 1.98% 2.00%
Min Balance $0
Details Balance: $0.01 to $9,999.99
Last Updated 10/11/2026
Rate History
1 change since Sep 19, 2026 · 1.25% → 2.00% ▲ 0.75 pts · high 2.00% / low 1.25%
0.50%1.63%2.75%Sep 19, 2026: 1.25% APYOct 7, 2026: 2.00% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20262.00%▲ from 1.25%
  • Sep 19, 20261.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.33%
Business Money Market 1.00% 1.01%
Min Balance $1,000,000
Details Balance: $1,000,000.00 or more
Last Updated 10/11/2026
Rate History
1 change since Sep 19, 2026 · 1.00% → 1.01% ▲ 0.01 pts · high 1.01% / low 1.00%
0.50%1.01%1.51%Sep 19, 2026: 1.00% APYOct 11, 2026: 1.01% APYSep 19, 2026Oct 13, 2026
  • Oct 11, 20261.01%▲ from 1.00%
  • Sep 19, 20261.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.33%

Canton Co-operative Bank Checking Rates

Product Rate APY View More
High Interest Checking 0.12% 0.12%
Min Balance $1,500
Details $1,500.00 or more
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.12% APY · checked 7 times
0.00%0.31%0.62%Sep 19, 2026: 0.12% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.33%
High Interest Checking 0.07% 0.07%
Min Balance $10
Details Balance: $10.00 - $1,499.99
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.07% APY · checked 7 times
0.00%0.29%0.57%Sep 19, 2026: 0.07% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.33%
50+ Free Interest Checking 0.05% 0.05%
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 19, 2026: 0.05% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.33%

Canton Co-operative Bank Business Checking Rates

Product Rate APY View More
Business Interest Checking 0.07% 0.07%
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.07% APY · checked 7 times
0.00%0.29%0.57%Sep 19, 2026: 0.07% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.33%

Canton Co-operative Bank Mortgage Rates

Product Rate Points APR Term View More
30 Year Fixed Rate First-Time Home Buyer 6.375% 0.000% 6.461% 30 Year
No additional details.
Last Updated 10/11/2026
Rate History
No change since Oct 3, 2026 · 6.46% APR · checked 3 times
5.96%6.46%6.96%Oct 3, 2026: 6.46% APROct 3, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.33%
15 Year Fixed Rate 6.375% 0.000% 6.489% 15 Year
No additional details.
Last Updated 10/11/2026
Rate History
1 change since Sep 15, 2026 · 6.58% → 6.49% ▼ 0.09 pts · high 6.58% / low 6.49%
5.99%6.54%7.08%Sep 15, 2026: 6.58% APROct 1, 2026: 6.49% APRSep 15, 2026Oct 13, 2026
  • Oct 1, 20266.49%▼ from 6.58%
  • Sep 15, 20266.58%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.33%
5/1 Adjustable Rate First-Time Home Buyer Loan 5.625% 0.000% 6.60% 5 years
Details Term: 5/1 Adjustable Rate First-Time Home Buyer
Last Updated 10/11/2026
Rate History
No change since Oct 3, 2026 · 6.60% APR · checked 3 times
6.10%6.60%7.10%Oct 3, 2026: 6.60% APROct 3, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.33%
5/1 Adjustable Rate Loan 5.75% 0.000% 6.716% 5/1 Adjustable Rate
Details First-Time Home Buyer: false
Last Updated 10/11/2026
Rate History
1 change since Sep 24, 2026 · 6.55% → 6.72% ▲ 0.17 pts · high 6.72% / low 6.55%
6.05%6.63%7.22%Sep 24, 2026: 6.55% APROct 1, 2026: 6.72% APRSep 24, 2026Oct 13, 2026
  • Oct 1, 20266.72%▲ from 6.55%
  • Sep 24, 20266.55%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.33%
30 Year Fixed Rate 6.75% 0.000% 6.802% 30 Year
Details First-time Home Buyer: false
Last Updated 10/11/2026
Rate History
1 change since Sep 15, 2026 · 6.78% → 6.80% ▲ 0.02 pts · high 6.80% / low 6.78%
6.28%6.79%7.30%Sep 15, 2026: 6.78% APROct 1, 2026: 6.80% APRSep 15, 2026Oct 13, 2026
  • Oct 1, 20266.80%▲ from 6.78%
  • Sep 15, 20266.78%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.33%

Canton Co-operative Bank Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity HELOC 6.50% 0.000% 6.50%
Details After 6-Month Intro
Last Updated 10/11/2026
Rate History
1 change since Sep 15, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25%
5.75%6.38%7.00%Sep 15, 2026: 6.25% APROct 1, 2026: 6.50% APRSep 15, 2026Oct 13, 2026
  • Oct 1, 20266.50%▲ from 6.25%
  • Sep 15, 20266.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.33%

Canton Co-operative Bank Other Rates

Product Rate Points APY/APR Term View More
Statement & IRA Statement 0.10% - 0.10%
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 7 times
0.00%0.30%0.60%Sep 19, 2026: 0.10% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.33%

Financial Health History

Canton Co-operative Bank’s Texas Ratio fell from 9.05% in Q3 2023 to 0.33% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 9.05% A Q3 2023 A Q4 2023 A Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 0.33% A+ Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$155M0.33%5.0A+
March 31, 2026$154M0.33%5.0A+
December 31, 2025$159M1.29%5.0A+
September 30, 2025$161M3.92%5.0A+
June 30, 2025$161M3.77%5.0A+
March 31, 2025$160M0.02%5.0A+
December 31, 2024$160M1.33%5.0A+
September 30, 2024$157M4.54%5.0A+
June 30, 2024$155M4.81%5.0A+
March 31, 2024$154M8.13%5.0A
December 31, 2023$155M7.64%5.0A
September 30, 2023$150M9.05%5.0A
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Canton Co-operative Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Canton Co-operative Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Canton Co-operative Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Canton Co-operative Bank
FDIC Certificate # 26450
Address 671 Washington St, Canton, MA 02021  ·  Norfolk
Established 18910101
FDIC Insurance Date 19851205
Domestic Offices 1
Total Branches 1
Regulator FED
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+
Overall Health Grade Score: 100/100
5.0
Exceptional Out of 5.0 Stars
0.33%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 0.4119%
Return on Equity (ROE) 3.0100%
Non-Performing Loans (NPL) 0.05%
Total Assets $154,823,000
Total Deposits $127,189,000
Equity Capital $21,526,000
Net Income $321,000
Headquarters Canton
Total Branches and Offices 1
Source: FDIC  |  Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Canton Co-operative Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/banks/canton-co-operative-bank-rates-review-26450">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Canton Co-operative Bank

How many branches does Canton Co-operative Bank operate?

Canton Co-operative Bank currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Canton Co-operative Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Canton Co-operative Bank provides members with tools to manage their accounts and build a solid financial history.

Does Canton Co-operative Bank offer online and mobile banking?

Most modern institutions like Canton Co-operative Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.cantoncoopbank.com.

Current Canton Co-operative Bank Rates

  • 12-Month CD1.00%
  • 24-Month CD1.51%
  • 36-Month CD2.75%
  • 48-Month CD2.25%
  • MMA3.25%
Retrieved from our database of financial products. Rates subject to change.