Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
Dean Co-operative Bank Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: November 5, 2026
Dean Co-operative Bank's CDs - 60-Month rates are at 2.75%, CDs - 48-Month rates are at 2.50%, CDs - 6-Month rates are at 2.50%, CDs - 36-Month rates are at 2.25%, CDs - 12-Month rates are at 2.00%. Dean Co-operative Bank's savings rates are at 2.375%. Dean Co-operative Bank's money market rates are at 1.00%. Dean Co-operative Bank's checking rates are as high as 0.05%. Dean Co-operative Bank's Auto Loan Rates are as low as 5.75%. Dean Co-operative Bank's top CD rate of 3.50% APY on a 15 month CD is 17% higher than the MonitorBankRates national average of 2.98% APY for that term, and it has an A health rating. MonitorBankRates evaluates the financial stability of Dean Co-operative Bank with a 4.7 Star Rating, an A Overall Health Grade, and a Texas Ratio of 1.40%. Rates last updated and verified on 11/05/2026.
Dean 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 Dean Co-operative Bank? Share your experience about Dean Co-operative Bank by leaving a review below, or read customer reviews before you decide to use Dean Co-operative Bank.
Dean Co-operative Bank has earned an overall safety grade of A (Excellent, Score: 96/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective FDIC regulatory data.
MonitorBankRates Rating
?
4.7
ExcellentOut of 5.0 Stars
MonitorBankRates Star Rating
Dean Co-operative Bank has earned a Star Rating of 4.7 out of 5 stars (Excellent).
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
?
1.40%
ExcellentLower than avg
Dean Co-operative Bank Texas Ratio
Dean Co-operative Bank's Texas Ratio is 1.40%, which is considered excellent and is lower than the national average of 5.85%.
Dean Co-operative Bank has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
0.95% to 1.40% over 12 quarters, very strongFull history
Star Rating 3.3 to 4.7, Health Grade B- to A
The Texas Ratio for this bank has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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.
Dean Co-operative Bank CD Rates
Product
Rate
APY
Term
Min. Deposit
View More
15-Month CD Special
-
3.50%
15 Months
-
No additional details.
Last Updated11/05/2026
Rate History
No change since Oct 11, 2026 · 3.50% APY · checked 7 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
9 - 11-Month CD Special
-
3.50%
9-11 Months
-
No additional details.
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 3.50% APY · checked 15 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
Retirement Special - 15-month
-
3.50%
15 Months
-
No additional details.
Last Updated11/05/2026
Rate History
No change since Oct 11, 2026 · 3.50% APY · checked 7 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
17-Month ADD-ON CD Special
-
3.25%
17 Months
$1,000
Min Deposit$1,000
DetailsAdditional deposits must be at least $500; Penalty for early withdrawal equivalent to 12 months of interest; Interest compounded continuously and posted monthly; Also available as a Retirement Special
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 3.25% APY · checked 15 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
17-Month ADD-ON Retirement CD Special
-
3.25%
17 Months
$1,000
Min Deposit$1,000
DetailsRetirement Special of the ADD-ON CD Special; additional deposits must be at least $500; penalty for early withdrawal equivalent to 12 months of interest; $1,000 minimum to open per ADD-ON CD Special terms
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 3.25% APY · checked 13 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
CDs - 60-month
-
2.75%
60 Months
-
Min Balance$500
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 2.75% APY · checked 15 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
Fixed Rate IRAs - 60-month
-
2.75%
60 Months
-
No additional details.
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 2.75% APY · checked 15 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
CDs - 48-month
-
2.50%
48 Months
-
Min Balance$500
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 2.50% APY · checked 15 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
CDs - 6-month
-
2.50%
6 Months
-
Min Balance$500
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 2.50% APY · checked 15 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
Fixed Rate IRAs - 48-month
-
2.50%
48 Months
-
No additional details.
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 2.50% APY · checked 15 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
CDs - 36-month
-
2.25%
36 Months
-
Min Balance$500
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 2.25% APY · checked 15 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
Fixed Rate IRAs - 36-month
-
2.25%
36 Months
-
No additional details.
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 2.25% APY · checked 15 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
CDs - 12-month
-
2.00%
12 Months
-
Min Balance$500
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 2.00% APY · checked 15 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
CDs - 18-month
-
2.00%
18 Months
-
Min Balance$500
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 2.00% APY · checked 15 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
CDs - 24-month
-
2.00%
24 Months
-
Min Balance$500
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 2.00% APY · checked 15 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
CDs - 30-month
-
2.00%
30 Months
-
Min Balance$500
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 2.00% APY · checked 15 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
Fixed Rate IRAs - 12-month
-
2.00%
12 Months
-
No additional details.
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 2.00% APY · checked 15 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
Fixed Rate IRAs - 18-month
-
2.00%
18 Months
-
No additional details.
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 2.00% APY · checked 15 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
Fixed Rate IRAs - 24-month
-
2.00%
24 Months
-
No additional details.
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 2.00% APY · checked 15 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
Fixed Rate IRAs - 30-month
-
2.00%
30 Months
-
No additional details.
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 2.00% APY · checked 15 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
CDs - 3-month
-
1.00%
3 Months
-
Min Balance$500
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 1.00% APY · checked 15 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
Dean Co-operative Bank Savings Rates
Product
Rate
APY
View More
Premium Savings
2.349%
2.375%
Min Deposit$25
Min Balance$500,000
DetailsBalance: $500,000.00 or More
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 2.38% APY · checked 9 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
Premium Savings
2.154%
2.175%
Min Deposit$25
Min Balance$250,000
DetailsBalance: $250,000.00 - $499,999.99
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 2.18% APY · checked 9 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
Premium Savings
1.957%
1.975%
Min Deposit$25
Min Balance$125,000
DetailsBalance: $125,000.00 - $249,999.99
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 1.98% APY · checked 9 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
Premium Savings
1.00%
1.00%
Min Deposit$25
Min Balance$75,000
DetailsBalance: $75,000.00 - $124,999.99
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 1.00% APY · checked 9 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
Preferred Savings
-
0.17%
Min Balance$45,000
DetailsBalance: $45,000 and over; Minimum Daily Balance to earn APY: $45,000
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 0.17% APY · checked 5 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
Premium Savings
0.17%
0.17%
Min Deposit$25
Min Balance$45,000
DetailsBalance: $45,000.00 - $74,999.99
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.17% APY · checked 9 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
Preferred Savings
-
0.15%
Min Balance$30,000
DetailsBalance: $30,000 and over; Minimum Daily Balance to earn APY: $30,000
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 0.15% APY · checked 5 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
Premium Savings
0.15%
0.15%
Min Deposit$25
Min Balance$15,000
DetailsBalance: $15,000 - $44,999.99
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.15% APY · checked 9 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
Preferred Savings
-
0.12%
Min Balance$15,000
DetailsBalance: $15,000 and over; Minimum Daily Balance to earn APY: $15,000
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 0.12% APY · checked 5 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
Club Accounts
0.07%
0.07%
Min Balance$1
DetailsHow To Open - Club Accounts
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.07% APY · checked 15 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
Passbook Savings
0.07%
0.07%
Min Balance$25
DetailsHow To Open - Passbook Savings
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.07% APY · checked 15 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
Preferred Savings
-
0.07%
Min Balance$25
DetailsBalance: $25 and over; Preferred Savings Account; Minimum Daily Balance to earn APY: $25
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 0.07% APY · checked 5 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
Preferred Savings
-
0.07%
Min Balance$5,000
DetailsBalance: $5,000 and over; Minimum Daily Balance to earn APY: $5,000
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 0.07% APY · checked 5 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
Premium Savings
0.07%
0.07%
Min Deposit$25
Min Balance$25
DetailsBalance: $25.00 - $14,999.99
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.07% APY · checked 9 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
Statement Savings
0.07%
0.07%
Min Balance$25
DetailsOpen an Account - Statement Savings
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.07% APY · checked 15 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
Premium Savings
0.00%
0.00%
Min Deposit$25
Min Balance$0
DetailsBalance: $0.00 - $24.99
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.07% APY · checked 14 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
Dean Co-operative Bank Money Market Rates
Product
Rate
APY
View More
Premium Money Market
-
1.00%
Min Balance$500,000
DetailsBalance: $500,000 and over
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 1.00% APY · checked 15 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
Preferred Money Market
-
0.15%
Min Balance$100,000
DetailsBalance: $100,000 minimum daily balance to earn APY
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.15% APY · checked 15 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
Premium Money Market
-
0.15%
Min Balance$250,000
DetailsBalance: $250,000 and over
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.15% APY · checked 15 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
Preferred Money Market
-
0.12%
Min Balance$50,000
DetailsBalance: $50,000 minimum daily balance to earn APY
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.12% APY · checked 15 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
Money Market Account
0.09%
0.09%
Min Balance$2,500
DetailsBalance: $2,500.00 and over
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.09% APY · checked 15 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
Preferred Money Market
-
0.09%
Min Balance$25,000
DetailsBalance: $25,000 minimum daily balance to earn APY
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.09% APY · checked 15 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
Premium Money Market
-
0.09%
Min Balance$100,000
DetailsBalance: $100,000 and over
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.09% APY · checked 15 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
Preferred Money Market
-
0.07%
Min Balance$25
DetailsBalance: $25 minimum daily balance to earn APY
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.07% APY · checked 15 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
Preferred Money Market
-
0.07%
Min Balance$10,000
DetailsBalance: $10,000 minimum daily balance to earn APY
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.07% APY · checked 15 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
Premium Money Market
-
0.07%
Min Balance$25
DetailsBalance: $25 and over
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.07% APY · checked 15 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
Money Market Account
0.05%
0.05%
Min Balance$25
DetailsBalance: $25.00 - $2,499.99; Open an Account - Money Market
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 15 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
Dean Co-operative Bank Checking Rates
Product
Rate
APY
View More
NOW Checking
0.05%
0.05%
Min Balance$25
DetailsHow To Open - NOW Checking Account
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 15 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
Dean Co-operative Bank Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
HELOC
6.50%
-
6.50%
DetailsVariable rate based on WSJ Prime Rate minus 0.50%, adjusted monthly; maximum APR 18%, minimum APR 4.75%
Last Updated11/05/2026
Rate History
1 change since Sep 19, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25%
Sep 24, 20266.50%▲ from 6.25%
Sep 19, 20266.25%first recorded
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
Home Equity Loan - 5 Years
-
-
6.50%
5 Years
DetailsAPR reflects 0.25% discount when auto-payment is made from a Dean Bank checking account; Minimum loan amount is $10,000; Maximum loan amount cannot exceed 80% of the home's current appraised value less any existing mortgage liens
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 6.50% APR · checked 5 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
Home Equity Loan - 6 - 10 Years
-
-
6.75%
6-10 years
DetailsAPR reflects 0.25% discount when auto-payment is made from a Dean Bank checking account; Minimum loan amount is $10,000; Maximum loan amount cannot exceed 80% of the home's current appraised value less any existing mortgage liens
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 6.75% APR · checked 5 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
Home Equity Loan - 11- 15 Years
-
-
6.99%
11-15 years
DetailsAPR reflects 0.25% discount when auto-payment is made from a Dean Bank checking account; Minimum loan amount is $10,000; Maximum loan amount cannot exceed 80% of the home's current appraised value less any existing mortgage liens
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 6.99% APR · checked 5 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
Home Equity Loan - 16 - 20 Years
-
-
7.25%
16-20 years
DetailsAPR reflects 0.25% discount when auto-payment is made from a Dean Bank checking account; Minimum loan amount is $10,000; Maximum loan amount cannot exceed 80% of the home's current appraised value less any existing mortgage liens
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 7.25% APR · checked 5 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
Dean Co-operative Bank Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New Cars Loan
-
-
5.75%
36 Months
DetailsAs Low As; APR reflects 0.25% reduction with automatic payment from a Dean Bank checking account
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 5.75% APR · checked 15 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
New Cars Loan
-
-
6.25%
48 Months
DetailsAs Low As; APR reflects 0.25% reduction with automatic payment from a Dean Bank checking account
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 6.25% APR · checked 15 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
Used Cars Loan
-
-
6.50%
24 Months
DetailsAs Low As; APR reflects 0.25% reduction with automatic payment from a Dean Bank checking account
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 6.50% APR · checked 15 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
Used Cars Loan
-
-
6.50%
36 Months
DetailsAs Low As; APR reflects 0.25% reduction with automatic payment from a Dean Bank checking account
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 6.50% APR · checked 15 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
New Cars Loan
-
-
6.75%
60 Months
DetailsAs Low As; APR reflects 0.25% reduction with automatic payment from a Dean Bank checking account
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 6.75% APR · checked 15 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
New Cars Loan
-
-
7.25%
72 Months
DetailsAs Low As; APR reflects 0.25% reduction with automatic payment from a Dean Bank checking account
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 7.25% APR · checked 15 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
Used Cars Loan
-
-
7.25%
48 Months
DetailsAs Low As; APR reflects 0.25% reduction with automatic payment from a Dean Bank checking account
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 7.25% APR · checked 15 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
Used Cars Loan
-
-
7.75%
60 Months
DetailsAs Low As; APR reflects 0.25% reduction with automatic payment from a Dean Bank checking account
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 7.75% APR · checked 15 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
New Cars Loan
-
-
8.25%
84 Months
DetailsAs Low As; APR reflects 0.25% reduction with automatic payment from a Dean Bank checking account
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 8.25% APR · checked 15 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
Used Cars Loan
-
-
8.25%
72 Months
DetailsAs Low As; APR reflects 0.25% reduction with automatic payment from a Dean Bank checking account
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 8.25% APR · checked 15 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
Dean Co-operative Bank Other Rates
Product
Rate
Points
APY/APR
Term
View More
All Access & Dean's List
4.00%
-
4.07%
Min Balance$25
DetailsOpen an Account - All Access Checking
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 4.07% APY · checked 15 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
Variable Rate IRA
0.12%
-
0.12%
Min Balance$100
DetailsHow To Open - Variable Rate IRA
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.12% APY · checked 15 times
Institution Ratings
4.7
Star Rating
A
Health Grade
◈ Texas Ratio: 1.40%
Financial Health History
Dean Co-operative Bank’s Texas Ratio stayed near 0.95% in Q3 2023 to 1.40% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 3.3 to 4.7 and its Health Grade from B- to A. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$494M
1.40%
4.7
A
March 31, 2026
$493M
0.71%
4.6
A
December 31, 2025
$489M
0.80%
4.7
A
September 30, 2025
$479M
0.89%
4.6
A
June 30, 2025
$481M
1.37%
4.1
A-
March 31, 2025
$477M
3.17%
4.2
A-
December 31, 2024
$475M
3.61%
3.8
B
September 30, 2024
$471M
1.97%
4.4
A
June 30, 2024
$461M
0.80%
3.9
B+
March 31, 2024
$462M
0.84%
3.7
B
December 31, 2023
$462M
0.82%
4.0
B+
September 30, 2023
$450M
0.95%
3.3
B-
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 Dean 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 Dean 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 Dean Co-operative Bank's official website for the most current offers and terms.
Dean Co-operative Bank earned the Verified Healthy badge
Display this badge on your website to show visitors your 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, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
There are no reviews for Dean Co-operative Bank yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Dean Co-operative Bank
Frequently Asked Questions About Dean Co-operative Bank
Does Dean Co-operative Bank offer CDs?
Yes. Dean Co-operative Bank current CD rates include its CDs - 60-Month at 2.75% APY, its CDs - 48-Month at 2.50% APY and its CDs - 6-Month at 2.50% APY, verified by MonitorBankRates as of November 5, 2026.
Are CDs from Dean Co-operative Bank FDIC insured?
Yes. Dean Co-operative Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at Dean Co-operative Bank?
The highest Dean Co-operative Bank CD rate is its 15-Month CD Special at 3.50% APY, verified by MonitorBankRates as of November 5, 2026.
What CD terms does Dean Co-operative Bank offer?
Dean Co-operative Bank CD rates are 2.50% APY for a 6 month CD, 2.00% APY for a 12 month CD, 2.00% APY for an 18 month CD, 2.00% APY for a 2 year CD, 2.25% APY for a 3 year CD, 2.50% APY for a 4 year CD and 2.75% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Dean Co-operative Bank for its full lineup.
What is the highest savings rate at Dean Co-operative Bank?
The highest Dean Co-operative Bank savings rate is its Premium Savings at 2.375% APY, verified by MonitorBankRates as of November 5, 2026.
What is the highest money market rate at Dean Co-operative Bank?
The highest Dean Co-operative Bank money market rate is its Premium Money Market at 1.00% APY, verified by MonitorBankRates as of November 5, 2026.
What is the highest checking rate at Dean Co-operative Bank?
The highest Dean Co-operative Bank checking rate is its NOW Checking at 0.05% APY, verified by MonitorBankRates as of November 5, 2026.
What is the lowest auto loan rate at Dean Co-operative Bank?
The lowest Dean Co-operative Bank auto loan rate is its New Cars Loan at 5.75% APR, verified by MonitorBankRates as of November 5, 2026.
How many branches does Dean Co-operative Bank operate?
Dean Co-operative Bank currently maintains approximately 4 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, Dean 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, Dean Co-operative Bank provides members with tools to manage their accounts and build a solid financial history.
Does Dean Co-operative Bank offer online and mobile banking?
Most modern institutions like Dean 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.deanbank.com.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do Dean Co-operative Bank rates compare?
Dean Co-operative Bank's top CD rate of 3.50% APY on a 15 month CD is 17% higher than the MonitorBankRates national average of 2.98% APY for that term, and it has an A health rating. Dean Co-operative Bank's top rates are its 15-Months 15-Month CD Special at 3.50% APY, its Premium Savings at 2.375% APY, its Premium Money Market at 1.00% APY, its NOW Checking at 0.05% APY and its New Cars Loan at 5.75% APR, verified by MonitorBankRates on November 5, 2026.
Current Dean Co-operative Bank Rates
12-Month CD2.00%
18-Month CD2.00%
24-Month CD2.00%
36-Month CD2.25%
48-Month CD2.50%
60-Month CD2.75%
Savings2.375%
MMA1.00%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
