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Everett 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
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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 7, 2026
Everett Co-operative Bank's 48-Month CD rates are at 1.75%, 60-Month CD rates are at 1.75%, 36-Month CD rates are at 1.50%, 24-Month CD rates are at 1.00%, 30-Month CD rates are at 0.75%. Everett Co-operative Bank's savings rates are at 1.75%. Everett Co-operative Bank's money market rates are at 3.25%. Everett Co-operative Bank's checking rates are as high as 0.05%. Everett Co-operative Bank's 7/1 Jumbo Adjustable Rate Loan rates are at 6.25%, 7/1 Adjustable Rate Loan rates are at 6.25%, 5/1 Jumbo Adjustable Rate Loan rates are at 6.125%, 5/1 Adjustable Rate Loan rates are at 6.125%, 15 Year Fixed Rate rates are at 6.875%. Everett Co-operative Bank's top CD rate of 4.25% APY on a 12 month CD is 40% higher than the MonitorBankRates national average of 3.03% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Everett Co-operative Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.89%. Rates last updated and verified on 11/07/2026.
Everett 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 Everett Co-operative Bank? Share your experience about Everett Co-operative Bank by leaving a review below, or read customer reviews before you decide to use Everett Co-operative Bank.
Everett Co-operative Bank has earned an overall safety grade of A+ (Exceptional, Score: 100/100).
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
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Everett Co-operative Bank has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
0.89%
ExcellentLower than avg
Everett Co-operative Bank Texas Ratio
Everett Co-operative Bank's Texas Ratio is 0.89%, which is considered excellent and is lower than the national average of 5.85%.
Everett 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.
0.90% to 0.89% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ 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.
Everett Co-operative Bank CD Rates
Product
Rate
APY
Term
Min. Deposit
View More
12-Month Special CD
4.17%
4.25%
12 months
$500
Min Deposit$500
Min Balance$500
DetailsFixed rate for term; Open Online
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.89%
135-Day Special CD
3.69%
3.75%
135 days
$500
Min Deposit$500
Min Balance$500
DetailsNew money only; $250,000 maximum deposit; fixed rate for term; Open Online
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.89%
18-Month Special CD
3.69%
3.75%
18 months
$500
Min Deposit$500
Min Balance$500
DetailsFixed rate for term; Open Online
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.89%
24-Month Special CD
3.69%
3.75%
24-Month
$500
Min Deposit$500
Min Balance$500
DetailsOpen Online; Effective Date: November 6, 2026
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 3.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.89%
36-Month Special CD
3.69%
3.75%
36-Month
$500
Min Deposit$500
Min Balance$500
DetailsOpen Online; Effective Date: November 6, 2026
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 3.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.89%
6-Month Special CD
3.69%
3.75%
6 months
$500
Min Deposit$500
Min Balance$500
DetailsFixed rate for term; Open Online
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.89%
9-Month Special CD
3.69%
3.75%
9 months
$500
Min Deposit$500
Min Balance$500
DetailsFixed rate for term; Open Online
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.89%
48-Month CD
1.74%
1.75%
48 months
-
No additional details.
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 1.75% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.89%
60-Month CD
1.74%
1.75%
60 months
-
No additional details.
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 1.75% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.89%
36-Month CD
1.49%
1.50%
36 months
-
No additional details.
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 1.50% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.89%
24-Month CD
1.00%
1.00%
24 months
-
No additional details.
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 1.00% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.89%
30-Month CD
0.75%
0.75%
30 months
-
No additional details.
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 0.75% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.89%
18-Month CD
0.65%
0.65%
18 months
-
No additional details.
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 0.65% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.89%
12-Month CD
0.50%
0.50%
12 months
-
No additional details.
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 0.50% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.89%
6-Month CD
0.20%
0.20%
6 months
-
No additional details.
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 0.20% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.89%
91-Day CD
0.05%
0.05%
91 days
-
No additional details.
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 0.05% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.89%
Everett Co-operative Bank Business CD Rates
Product
Rate
APY
Term
Min. Deposit
View More
2-Year Business CD
2.23%
2.25%
2-Year
$500
Min Deposit$500
Min Balance$500
DetailsEffective Date: October 22, 2026; Fixed rate term CD, rates guaranteed for the length of the term; APY based on principal and interest remaining for one year; penalty may be imposed for early withdrawal
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 2.25% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.89%
Everett Co-operative Bank Savings Rates
Product
Rate
APY
View More
Milestone Savings
1.74%
1.75%
Min Deposit$10
Min Balance$10,000
DetailsBalance: $10,000.00 or more; Open Online
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 1.75% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.89%
Milestone Savings
0.05%
0.05%
Min Deposit$10
Min Balance$10
DetailsBalance: $10.00 to $9,999.99; Open Online
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 0.05% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.89%
Statement Savings
0.05%
0.05%
Min Deposit$10
Min Balance$10
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 0.05% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.89%
Everett Co-operative Bank Money Market Rates
Product
Rate
APY
View More
IRA Money Market
3.20%
3.25%
Min Balance$500
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 3.25% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.89%
Everett Elite Money Market
2.62%
2.65%
Min Deposit$2,500
Min Balance$100,000
DetailsBalance: $100,000.00 and over; Open Online
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 2.65% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.89%
Premiere Money Market
0.35%
0.35%
Min Deposit$2,500
Min Balance$250,000
DetailsBalance: $250,000.00 or more
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 0.35% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.89%
Standard Money Market
0.10%
0.10%
Min Deposit$10
Min Balance$10,000
DetailsBalance: $10,000.00 or more
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.89%
Everett Elite Money Market
0.05%
0.05%
Min Deposit$2,500
Min Balance$10,000
DetailsBalance: $10,000.00 - $99,999.99; Open Online
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 0.05% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.89%
Premiere Money Market
0.05%
0.05%
Min Deposit$2,500
Min Balance$2,500
DetailsBalance: $2,500.00 - $249,999.99
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 0.05% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.89%
Standard Money Market
0.05%
0.05%
Min Deposit$10
Min Balance$10
DetailsBalance: $10.00 - $9,999.99
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 0.05% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.89%
Everett Co-operative Bank Business Money Market Rates
Product
Rate
APY
View More
Elite Business Money Market
2.62%
2.65%
Min Deposit$2,500
Min Balance$100,000
DetailsBalance: $100,000.00 and above; Rates are variable and subject to change after account opening
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 2.65% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.89%
Business Money Market Special
1.49%
1.50%
Min Deposit$50,000
Min Balance$50,000
DetailsBalance: $50,000.00 and above; Rates are variable and subject to change after account opening
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 1.50% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.89%
Business Money Market
0.10%
0.10%
Min Deposit$5,000
Min Balance$5,000
DetailsBalance: $5,000.00 and above; Rates are variable and subject to change after account opening
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.89%
Elite Business Money Market
0.05%
0.05%
Min Deposit$2,500
Min Balance$10,000
DetailsBalance: $10,000.00 to $99,999,99 (as printed); Rates are variable and subject to change after account opening
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 0.05% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.89%
Everett Co-operative Bank Checking Rates
Product
Rate
APY
View More
Everett Elite Checking
0.05%
0.05%
Min Deposit$10
Min Balance$10
DetailsMinimum balance to obtain APY: $10.00 and above
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 0.05% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.89%
Easy Checking
0.00%
0.00%
Min Deposit$10
Last Updated11/07/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.89%
Free Checking
0.00%
0.00%
Min Deposit$10
Last Updated11/07/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.89%
Everett Co-operative Bank Mortgage Rates
Product
Rate
Points
APR
Term
View More
7/1 Jumbo Adjustable Rate Loan
6.25%
-
6.744%
DetailsFixed for first 7 years; caps 2/2/6; repayment schedule based on 30 years
Last Updated11/07/2026
Rate History
2 changes since Oct 1, 2026 · 6.68% → 6.74% ▲ 0.06 pts · high 6.76% / low 6.68%
Nov 2, 20266.74%▼ from 6.76%
Oct 14, 20266.76%▲ from 6.68%
Oct 1, 20266.68%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.89%
7/1 Adjustable Rate Loan
6.25%
-
6.771%
DetailsFixed for first 7 years; caps 2/2/6; repayment schedule based on 30 years
Last Updated11/07/2026
Rate History
2 changes since Oct 1, 2026 · 6.71% → 6.77% ▲ 0.06 pts · high 6.79% / low 6.71%
Nov 2, 20266.77%▼ from 6.79%
Oct 14, 20266.79%▲ from 6.71%
Oct 1, 20266.71%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.89%
5/1 Jumbo Adjustable Rate Loan
6.125%
-
6.81%
DetailsFixed for first 5 years; caps 2/2/6; repayment schedule based on 30 years
Last Updated11/07/2026
Rate History
2 changes since Oct 1, 2026 · 6.76% → 6.81% ▲ 0.05 pts · high 6.83% / low 6.76%
Nov 2, 20266.81%▼ from 6.83%
Oct 14, 20266.83%▲ from 6.76%
Oct 1, 20266.76%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.89%
5/1 Adjustable Rate Loan
6.125%
-
6.838%
DetailsFixed for first 5 years; caps 2/2/6; repayment schedule based on 30 years
Last Updated11/07/2026
Rate History
2 changes since Oct 1, 2026 · 6.78% → 6.84% ▲ 0.05 pts · high 6.86% / low 6.78%
Nov 2, 20266.84%▼ from 6.86%
Oct 14, 20266.86%▲ from 6.78%
Oct 1, 20266.78%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.89%
15 Year Fixed Rate
6.875%
-
6.953%
15 years
DetailsFixed Rate Mortgage; Effective Date: November 2, 2026; Conforming loan $400,000; primary residence, purchase or rate/term refinance; LTV 70% or less; FICO 780+; 45 day rate lock; does not include taxes and insurance
Last Updated11/07/2026
Rate History
3 changes since Sep 20, 2026 · 6.58% → 6.95% ▲ 0.38 pts · high 7.20% / low 6.58%
Oct 12, 20266.95%▼ from 7.20%
Oct 8, 20267.20%▲ from 6.95%
Oct 1, 20266.95%▲ from 6.58%
Sep 20, 20266.58%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.89%
10 Year Fixed Rate
6.875%
-
6.984%
10 years
DetailsFixed Rate Mortgage; Effective Date: November 2, 2026; Conforming loan $400,000; primary residence, purchase or rate/term refinance; LTV 70% or less; FICO 780+; 45 day rate lock; does not include taxes and insurance
Last Updated11/07/2026
Rate History
4 changes since Sep 20, 2026 · 6.61% → 6.98% ▲ 0.38 pts · high 7.23% / low 6.61%
Oct 27, 20266.98%▼ from 7.10%
Oct 12, 20267.10%▼ from 7.23%
Oct 8, 20267.23%▲ from 7.10%
Oct 1, 20267.10%▲ from 6.61%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.89%
20 Year Fixed Rate
6.99%
-
7.053%
20 years
DetailsFixed Rate Mortgage; Effective Date: November 2, 2026; Conforming loan $400,000; primary residence, purchase or rate/term refinance; LTV 70% or less; FICO 780+; 45 day rate lock; does not include taxes and insurance
Last Updated11/07/2026
Rate History
4 changes since Sep 20, 2026 · 6.94% → 7.05% ▲ 0.12 pts · high 7.56% / low 6.94%
Oct 27, 20267.05%▼ from 7.31%
Oct 12, 20267.31%▼ from 7.56%
Oct 8, 20267.56%▲ from 7.31%
Oct 1, 20267.31%▲ from 6.94%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.89%
5/1 Adjustable Rate - Fully Indexed Rate
7.25%
-
7.25%
DetailsFully indexed rate after initial period; margin plus index; caps 2/2/6; repayment schedule based on 30 years
Last Updated11/07/2026
Rate History
No change since Oct 1, 2026 · 7.25% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.89%
5/1 Jumbo Adjustable Rate - Fully Indexed Rate
7.25%
-
7.25%
DetailsFully indexed rate after initial period; margin plus index; caps 2/2/6; repayment schedule based on 30 years
Last Updated11/07/2026
Rate History
No change since Oct 1, 2026 · 7.25% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.89%
7/1 Adjustable Rate - Fully Indexed Rate
7.25%
-
7.25%
DetailsFully indexed rate after initial period; margin plus index; caps 2/2/6; repayment schedule based on 30 years
Last Updated11/07/2026
Rate History
No change since Oct 1, 2026 · 7.25% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.89%
7/1 Jumbo Adjustable Rate - Fully Indexed Rate
7.25%
-
7.25%
DetailsFully indexed rate after initial period; margin plus index; caps 2/2/6; repayment schedule based on 30 years
Last Updated11/07/2026
Rate History
No change since Oct 1, 2026 · 7.25% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.89%
30 Year Fixed Rate
7.25%
-
7.299%
30 years
DetailsFixed Rate Mortgage; Effective Date: November 2, 2026; Conforming loan $400,000; primary residence, purchase or rate/term refinance; LTV 70% or less; FICO 780+; 45 day rate lock; does not include taxes and insurance
Last Updated11/07/2026
Rate History
4 changes since Sep 20, 2026 · 7.17% → 7.30% ▲ 0.13 pts · high 7.55% / low 7.17%
Oct 27, 20267.30%▼ from 7.42%
Oct 12, 20267.42%▼ from 7.55%
Oct 8, 20267.55%▲ from 7.42%
Oct 1, 20267.42%▲ from 7.17%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.89%
30 Year Jumbo Fixed Rate
7.50%
-
7.52%
30 years
DetailsFixed Rate Mortgage; Effective Date: November 2, 2026; Jumbo loan $1,000,000; primary residence, purchase or rate/term refinance; LTV 70% or less; FICO 780+; 45 day rate lock; does not include taxes and insurance
Last Updated11/07/2026
Rate History
2 changes since Sep 20, 2026 · 7.27% → 7.52% ▲ 0.25 pts · high 7.65% / low 7.27%
Nov 2, 20267.52%▼ from 7.65%
Oct 1, 20267.65%▲ from 7.27%
Sep 20, 20267.27%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.89%
Everett Co-operative Bank Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Line of Credit
7.00%
-
7.00%
10 year
DetailsTerm: 10 year draw period; 15 year repayment period; Interest Rate: 7.000%; APR is variable and may change monthly; minimum APR 3.25%, maximum APR 18.00%; variable rate equal to Prime Rate with floor of 3.25% and maximum of 18% APR; Prime Rate is 7.000% as of September 17, 2026; minimum loan/line $10,000, maximum $250,000; maximum combined LTV 70% (non-ECB first mortgage) or 75% (ECB first mortgage); early termination fee $500 if terminated within 36 months
Last Updated11/07/2026
Rate History
1 change since Sep 16, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75%
Sep 24, 20267.00%▲ from 6.75%
Sep 16, 20266.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.89%
Home Equity Fixed Rate Loan
7.25%
-
7.25%
5 Years
No additional details.
Last Updated11/07/2026
Rate History
No change since Sep 16, 2026 · 7.25% APR · checked 14 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.89%
Home Equity Fixed Rate Loan
7.50%
-
7.50%
10 Years
No additional details.
Last Updated11/07/2026
Rate History
No change since Sep 16, 2026 · 7.50% APR · checked 14 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.89%
Home Equity Fixed Rate Loan
7.75%
-
7.75%
15 Years
No additional details.
Last Updated11/07/2026
Rate History
No change since Sep 16, 2026 · 7.75% APR · checked 14 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.89%
Everett Co-operative Bank Other Rates
Product
Rate
Points
APY/APR
Term
View More
25 Year Fixed Rate
7.25%
-
7.304%
25 years
DetailsFixed Rate Mortgage; Effective Date: November 2, 2026; Conforming loan $400,000; primary residence, purchase or rate/term refinance; LTV 70% or less; FICO 780+; 45 day rate lock; does not include taxes and insurance
Last Updated11/07/2026
Rate History
2 changes since Sep 20, 2026 · 7.18% → 7.30% ▲ 0.13 pts · high 7.43% / low 7.18%
Oct 27, 20267.30%▼ from 7.43%
Oct 1, 20267.43%▲ from 7.18%
Sep 20, 20267.18%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.89%
Financial Health History
Everett Co-operative Bank’s Texas Ratio stayed near 0.90% in Q3 2023 to 0.89% 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 5.0 to 5.0. 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
$1.7B
0.89%
5.0
A+
March 31, 2026
$1.6B
0.78%
5.0
A+
December 31, 2025
$1.6B
0.74%
5.0
A+
September 30, 2025
$1.6B
0.76%
5.0
A+
June 30, 2025
$1.5B
0.87%
5.0
A+
March 31, 2025
$1.5B
0.86%
5.0
A+
December 31, 2024
$1.4B
1.34%
5.0
A+
September 30, 2024
$1.4B
0.77%
5.0
A+
June 30, 2024
$1.3B
0.84%
5.0
A+
March 31, 2024
$1.3B
0.85%
5.0
A+
December 31, 2023
$1.3B
0.87%
5.0
A+
September 30, 2023
$1.2B
0.90%
5.0
A+
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 Everett 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 Everett 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 Everett Co-operative Bank's official website for the most current offers and terms.
Address
419 Broadway,
Everett, MA 02149 · Middlesex
Bank Holding CompanyECB BCORP INC
FDIC Certificate #26444
RegulatorFDIC
EstablishedJanuary 1, 1890
FDIC Insurance DateNovember 26, 1985
Domestic Offices3
Total Branches3
FDIC Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.89%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
0.7693%
Return on Equity (ROE)
7.9900%
Non-Performing Loans Ratio (NPL)
0.09%
Total Assets
$1,671,230,000
Total Deposits
$1,203,450,000
Equity Capital
$162,654,000
Net Income
$6,317,000
Headquarters
Everett
Total Branches and Offices
3
Source: FDIC — Last Updated June 30, 2026
2026 MBR Health & Safety Badge
Everett 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
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Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Everett Co-operative Bank
Frequently Asked Questions About Everett Co-operative Bank
Does Everett Co-operative Bank offer CDs?
Yes. Everett Co-operative Bank current CD rates include its 48-Month CD at 1.75% APY, its 60-Month CD at 1.75% APY and its 36-Month CD at 1.50% APY, verified by MonitorBankRates as of November 7, 2026.
Are CDs from Everett Co-operative Bank FDIC insured?
Yes. Everett 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 Everett Co-operative Bank?
The highest Everett Co-operative Bank CD rate is its 12-Month Special Certificate at 4.25% APY, verified by MonitorBankRates as of November 7, 2026.
What CD terms does Everett Co-operative Bank offer?
Everett Co-operative Bank CD rates are 0.50% APY for a 12 month CD, 0.65% APY for an 18 month CD, 1.00% APY for a 2 year CD, 0.75% APY for a 30 month CD, 1.50% APY for a 3 year CD, 1.75% APY for a 4 year CD and 1.75% APY for a 5 year CD, verified by MonitorBankRates as of November 7, 2026. The institution may offer other terms or specials that are not listed here, so check with Everett Co-operative Bank for its full lineup.
What is the highest savings rate at Everett Co-operative Bank?
The highest Everett Co-operative Bank savings rate is its Milestone Savings at 1.75% APY, verified by MonitorBankRates as of November 7, 2026.
What is the highest money market rate at Everett Co-operative Bank?
The highest Everett Co-operative Bank money market rate is its IRA Money Market at 3.25% APY, verified by MonitorBankRates as of November 7, 2026.
What is the highest checking rate at Everett Co-operative Bank?
The highest Everett Co-operative Bank checking rate is its Everett Elite Checking at 0.05% APY, verified by MonitorBankRates as of November 7, 2026.
What is the lowest 30 year fixed mortgage rate at Everett Co-operative Bank?
The lowest Everett Co-operative Bank 30 year fixed mortgage rate is its 30 Year Fixed Rate at 7.25%, verified by MonitorBankRates as of November 7, 2026. Everett Co-operative Bank mortgage rates are 7.25% for a 30 year mortgage, 6.99% for a 20 year mortgage, 6.875% for a 15 year mortgage and 6.875% for a 10 year mortgage.
How many branches does Everett Co-operative Bank operate?
Everett Co-operative Bank currently maintains approximately 3 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, Everett 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, Everett Co-operative Bank provides members with tools to manage their accounts and build a solid financial history.
Does Everett Co-operative Bank offer online and mobile banking?
Most modern institutions like Everett 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.everettbank.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 Everett Co-operative Bank rates compare?
Everett Co-operative Bank's top CD rate of 4.25% APY on a 12 month CD is 40% higher than the MonitorBankRates national average of 3.03% APY for that term, and it has an A+ health rating. Everett Co-operative Bank's top rates are its 12-Months 12-Month Special Certificate at 4.25% APY, its Milestone Savings at 1.75% APY, its IRA Money Market at 3.25% APY, its Everett Elite Checking at 0.05% APY and its 5/1 Jumbo Adjustable Rate Loan at 6.125%, verified by MonitorBankRates on November 7, 2026.
Current Everett Co-operative Bank Rates
12-Month CD0.50%
18-Month CD0.65%
24-Month CD1.00%
36-Month CD1.50%
48-Month CD1.75%
60-Month CD1.75%
Savings1.75%
MMA3.25%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
