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Advertiser Disclosure
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 Fidelity Co-operative Bank Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
Read Full Bio →
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 6, 2026
Fidelity Co-operative Bank's 12-Month CD/IRA - Premier Spending rates are at 4.00%, 12-Month CD/IRA - Plus Spending rates are at 3.98%, 12-Month CD/IRA rates are at 3.95%, 24-Month CD/IRA - Premier Spending rates are at 3.90%, 36-Month CD/IRA - Premier Spending rates are at 3.90%. Fidelity Co-operative Bank's savings rates are at 2.75%. Fidelity Co-operative Bank's money market rates are at 0.09%. Fidelity Co-operative Bank's Personal Loan Rates are as low as 13.75%. Fidelity Co-operative Bank's top CD rate of 4.00% APY on a 12 month CD is 32% higher than the MonitorBankRates national average of 3.03% APY for that term, and it has a C+ health rating. MonitorBankRates evaluates the financial stability of Fidelity Co-operative Bank with a 4.0 Star Rating, an C+ Overall Health Grade, and a Texas Ratio of 26.47%. Rates last updated and verified on 11/06/2026. Fidelity 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 Fidelity Co-operative Bank? Share your experience about Fidelity Co-operative Bank by leaving a review below, or read customer reviews before you decide to use Fidelity Co-operative Bank. Fidelity Co-operative Bank
9 Leominster Connector
https://www.fidelitybankonline.com Leominster, MA 01453 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. Fidelity Co-operative Bank CD Rates
Fidelity Co-operative Bank Savings Rates
Fidelity Co-operative Bank Money Market Rates
Fidelity Co-operative Bank Home Equity & HELOC
Fidelity Co-operative Bank Personal Loan Rates
Financial Health HistoryFidelity Co-operative Bank’s Texas Ratio rose from 1.53% in Q3 2023 to 26.47% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.0 and its Health Grade from A+ to C+. 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. 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)
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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
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Fidelity 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 Fidelity 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 Fidelity Co-operative Bank's official website for the most current offers and terms.
Bank Profile & Overview
Bank Name
Fidelity Co-operative Bank
Address
9 Leominster Connector,
Leominster, MA 01453 · Worcester
Bank Holding Company
MUTUAL BCORP
FDIC Certificate #
26451
Regulator
FDIC
Established
January 1, 1888
FDIC Insurance Date
December 6, 1985
Domestic Offices
13
Total Branches
13
FDIC Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
4.0 / 5.0 ★
Overall Health & Safety Grade
C+ (77/100)
Texas Ratio
26.47%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
0.8046%
Return on Equity (ROE)
6.7000%
Non-Performing Loans Ratio (NPL)
3.26%
Total Assets
$1,310,138,000
Total Deposits
$1,115,678,000
Equity Capital
$161,872,000
Net Income
$5,409,000
Headquarters
Leominster
Total Branches and Offices
13
Source: FDIC — Last Updated June 30, 2026
Customer Reviews
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Frequently Asked Questions About Fidelity Co-operative BankDoes Fidelity Co-operative Bank offer CDs?Yes. Fidelity Co-operative Bank current CD rates include its 12-Month CD/IRA - Premier Spending at 4.00% APY, its 12-Month CD/IRA - Plus Spending at 3.98% APY and its 12-Month CD/IRA at 3.95% APY, verified by MonitorBankRates as of November 6, 2026. Are CDs from Fidelity Co-operative Bank FDIC insured?Yes. Fidelity 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 Fidelity Co-operative Bank?The highest Fidelity Co-operative Bank CD rate is its 12-Month CD/IRA - Premier Spending at 4.00% APY, verified by MonitorBankRates as of November 6, 2026. What CD terms does Fidelity Co-operative Bank offer?Fidelity Co-operative Bank CD rates are 3.95% APY for a 12 month CD, 3.80% APY for an 18 month CD, 3.85% APY for a 2 year CD, 3.85% APY for a 3 year CD, 3.55% APY for a 4 year CD and 3.55% APY for a 5 year CD, verified by MonitorBankRates as of November 6, 2026. The institution may offer other terms or specials that are not listed here, so check with Fidelity Co-operative Bank for its full lineup. What is the highest savings rate at Fidelity Co-operative Bank?The highest Fidelity Co-operative Bank savings rate is its Premier Savings at 2.75% APY, verified by MonitorBankRates as of November 6, 2026. What is the highest money market rate at Fidelity Co-operative Bank?The highest Fidelity Co-operative Bank money market rate is its Premier Money Market at 0.09% APY, verified by MonitorBankRates as of November 6, 2026. What is the lowest personal loan rate at Fidelity Co-operative Bank?The lowest Fidelity Co-operative Bank personal loan rate is its Unsecured Personal Loan at 13.75% APR, verified by MonitorBankRates as of November 6, 2026. How many branches does Fidelity Co-operative Bank operate?Fidelity Co-operative Bank currently maintains approximately 13 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, Fidelity 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, Fidelity Co-operative Bank provides members with tools to manage their accounts and build a solid financial history. Does Fidelity Co-operative Bank offer online and mobile banking?Most modern institutions like Fidelity 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.fidelitybankonline.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 Fidelity Co-operative Bank rates compare?Fidelity Co-operative Bank's top CD rate of 4.00% APY on a 12 month CD is 32% higher than the MonitorBankRates national average of 3.03% APY for that term, and it has a C+ health rating. Fidelity Co-operative Bank's top rates are its 12-Months 12-Month CD/IRA - Premier Spending at 4.00% APY, its Premier Savings at 2.75% APY, its Premier Money Market at 0.09% APY and its Unsecured Personal Loan at 13.75% APR, verified by MonitorBankRates on November 6, 2026. Current Fidelity Co-operative Bank Rates
Retrieved from our database of financial products. Rates subject to change.
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