What are the current interest rates at Canton Co-operative Bank?

Current rates for Canton Co-operative Bank include: 12-Month CD: 1.00%, 24-Month CD: 1.75%, 36-Month CD: 2.75%, 48-Month CD: 2.25%, MMA: 1.00%

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Canton Co-operative Bank Rates & Review August 2026

Item: Canton Co-operative Bank
Rating: 9860
Author: YkED

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 28, 2026

Canton Co-operative Bank's 10-Months 10-Month Bump-Up CD rates are at 3.35%, 10-Months 10-Month Bump-Up IRA CD rates are at 3.35%, 10-Months 10-Month CD rates are at 3.25%, 10-Months 10-Month IRA CD rates are at 3.25%, 3 Year CD rates are at 2.75%. Canton Co-operative Bank's money market rates are at 1.00%. Canton Co-operative Bank's 15 Year Fixed Rate rates are at 6.00%, 5/1 Adjustable Rate Loan rates are at 5.50%, 30 Year Fixed Rate rates are at 6.38%. 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 9.05%. Rates last updated and verified on 08/28/2026.

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.

Verified Healthy Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

9.05%

Excellent Higher than avg

Canton Co-operative Bank

671 Washington St
Canton, MA 02021

https://www.cantoncoopbank.com

Canton Co-operative Bank CD Rates

Product	Rate	APY	Term
10-Month Bump-Up CD	3.30%	3.35%	10 Months
Min Deposit $1,000 Min Balance $10 Details To obtain Bump-Up Rate/APY all deposited funds must be new to Canton Co-operative Bank. New Account Opening Unless otherwise indicated a minimum daily balance of $10.00 is required to earn the APY. The minimum deposit to open a CD/IRA CD is $1,000.00 and $10.00 for all other accounts listed. Rates are subject to change without notice. The APY on Savings, Checking, and Money Market Accounts may change after the account is opened. Penalty for early withdrawal on all Certificates of Deposit. Individual Retirement Accounts (IRAs) are subject to limitations and/or penalties imposed by the Internal Revenue Service. Fees may reduce earnings on account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.05%
10-Month Bump-Up IRA CD	3.30%	3.35%	10 Months
Min Deposit $1,000 Min Balance $10 Details To obtain Bump-Up Rate/APY all deposited funds must be new to Canton Co-operative Bank. New Account Opening Unless otherwise indicated a minimum daily balance of $10.00 is required to earn the APY. The minimum deposit to open a CD/IRA CD is $1,000.00 and $10.00 for all other accounts listed. Rates are subject to change without notice. The APY on Savings, Checking, and Money Market Accounts may change after the account is opened. Penalty for early withdrawal on all Certificates of Deposit. Individual Retirement Accounts (IRAs) are subject to limitations and/or penalties imposed by the Internal Revenue Service. Fees may reduce earnings on account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.05%
10-Month CD	3.20%	3.25%	10 Months
Min Deposit $1,000 Min Balance $10 Details Unless otherwise indicated a minimum daily balance of $10.00 is required to earn the APY. The minimum deposit to open a CD/IRA CD is $1,000.00 and $10.00 for all other accounts listed. Rates are subject to change without notice. The APY on Savings, Checking, and Money Market Accounts may change after the account is opened. Penalty for early withdrawal on all Certificates of Deposit. Individual Retirement Accounts (IRAs) are subject to limitations and/or penalties imposed by the Internal Revenue Service. Fees may reduce earnings on account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.05%
10-Month IRA CD	3.20%	3.25%	10 Months
Min Deposit $1,000 Min Balance $10 Details Unless otherwise indicated a minimum daily balance of $10.00 is required to earn the APY. The minimum deposit to open a CD/IRA CD is $1,000.00 and $10.00 for all other accounts listed. Rates are subject to change without notice. The APY on Savings, Checking, and Money Market Accounts may change after the account is opened. Penalty for early withdrawal on all Certificates of Deposit. Individual Retirement Accounts (IRAs) are subject to limitations and/or penalties imposed by the Internal Revenue Service. Fees may reduce earnings on account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.05%
3 Year CD	2.72%	2.75%	3 Year
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.05%
3 Month CD	2.53%	2.56%	3 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.05%
4 Year CD	2.23%	2.25%	4 Year
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.05%
6 Month CD	2.00%	2.02%	6 Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.05%
2 Year CD	1.74%	1.75%	2 Year
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.05%
1 Year CD	1.00%	1.00%	1 Year
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.05%

Canton Co-operative Bank Money Market Rates

Product	Rate	APY
High Yield Business Money Market	3.20%	3.25%
Min Balance $300,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.05%
High Yield Business Money Market	3.00%	3.04%
Min Balance $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.05%
High Yield Business Money Market	1.98%	2.00%
Min Balance $10,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.05%
High Yield Business Money Market	1.34%	1.35%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.05%
High Yield Business Money Market	1.00%	1.00%
Min Balance $1,000,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.05%

Canton Co-operative Bank Checking Rates

Product	Rate	APY
High Interest Checking	0.12%	0.12%
Min Balance $1,500 Details $6.00 monthly service charge if daily balance is below $1,500.00. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.05%
Business Interest Checking	0.07%	0.07%
Min Balance $1,500 Details Daily balance of $1,500.00 required to avoid a $6.00 monthly service charge Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.05%
High Interest Checking	0.07%	0.07%
Min Balance $10 Details Balances $10.00 to $1,499.99. $6.00 monthly service charge if daily balance is below $1,500.00. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.05%
50+ Free Interest Checking	0.05%	0.05%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.05%

Canton Co-operative Bank Mortgage Rates

Product	Rate	Points	APR	Term
15 Year Fixed Rate	6.00%	0.000%	6.11%	15 Year
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.05%
5/1 Adjustable Rate Loan	5.50%	0.000%	6.32%	5/1 ARM
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.05%
30 Year Fixed Rate	6.38%	0.000%	6.44%	30 Year
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.05%

Canton Co-operative Bank Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity HELOC	5.25%	0.000%	5.25%
Details After 6 Month Intro Rate; Rate: 6.250% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.05%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

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

Website https://www.cantoncoopbank.com

Established 01/01/1891

FDIC Insurance Date 12/05/1985

Domestic Offices 1

Total Branches 1

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 95/100

5.0

Exceptional Out of 5.0 Stars

9.05%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.5887%

Return on Equity (ROE) 4.7600%

Non-Performing Loans (NPL) 1.02%

Total Assets $158,955,000

Total Deposits $131,743,000

Equity Capital $21,293,000

Net Income $346,000

Headquarters Canton

Total Branches and Offices 1

Source: FDIC | Last Updated 12/31/2025

2026 MBR Health & Safety Badge

Canton Co-operative Bank earned the Verified Healthy badge

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Customer Reviews

YkED

★★★★★

December 17, 2025

OClT

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Average Rating

★★★★★

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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.