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Greenfield Co-operative Bank Rates & Review November 2026

Q: What are the current interest rates at Greenfield Co-operative Bank?

Current rates for Greenfield Co-operative Bank include: 12-Month CD: 0.20%, 18-Month CD: 0.25%, 24-Month CD: 0.30%, 36-Month CD: 2.02%, 48-Month CD: 0.50%, 60-Month CD: 0.90%, Savings: 0.40%, MMA: 1.61%

Q: What CD terms does Greenfield Co-operative Bank offer?

Greenfield Co-operative Bank CD rates are 0.20% APY for a 12 month CD, 0.25% APY for an 18 month CD, 0.30% APY for a 2 year CD, 0.35% APY for a 30 month CD, 2.02% APY for a 3 year CD, 0.50% APY for a 4 year CD and 0.90% 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 Greenfield Co-operative Bank for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 6, 2026

Greenfield Co-operative Bank's CD - 36-Month rates are at 2.02%, CD - 60-Month rates are at 0.90%, CD - 48-Month rates are at 0.50%, CD - 30-Month rates are at 0.35%, CD - 24-Month rates are at 0.30%. Greenfield Co-operative Bank's savings rates are at 0.40%. Greenfield Co-operative Bank's money market rates are at 1.61%. Greenfield Co-operative Bank's checking rates are as high as 0.03%. Greenfield Co-operative Bank's FTHB Co-op Achieve 10-1 ARM rates are at 5.50%, Co-op Cares 10-1 ARM rates are at 5.625%, FTHB Co-op Attain 10-1 ARM rates are at 5.625%, Homegrown Heroes 10-1 ARM rates are at 5.625%, Construction Loan - 10-1 ARM rates are at 5.75%. Greenfield Co-operative Bank's top CD rate of 2.02% APY on a 3 year CD is 29% lower than the MonitorBankRates national average of 2.84% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Greenfield Co-operative Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.03%. Rates last updated and verified on 11/06/2026.

Greenfield 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 Greenfield Co-operative Bank? Share your experience about Greenfield Co-operative Bank by leaving a review below, or read customer reviews before you decide to use Greenfield Co-operative Bank.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.03%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Greenfield Co-operative Bank

63 Federal St
Greenfield, MA 01301

https://www.greenfieldcoopbank.com

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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.

Greenfield Co-operative Bank CD Rates

Product	Rate	APY	Term	Min. Deposit
13-Month Special Statement	3.50%	3.56%	13 Month	$500
Min Deposit $500 Details Special CD Offering; Rates Effective: 10/21/2026 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 3.56% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
7-Month Special Statement	3.45%	3.51%	7 Month	$500
Min Deposit $500 Details Special CD Offering; Rates Effective: 10/21/2026 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 3.51% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
5-Month Special Statement (not eligible for IRA)	3.35%	3.40%	5 Month	$500
Min Deposit $500 Details Special CD Offering; Rates Effective: 10/21/2026 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 3.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
8-Month Special Statement (not eligible for IRA)	3.25%	3.30%	8 Month	$500
Min Deposit $500 Details Special CD Offering; Rates Effective: 10/21/2026 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 3.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
15-Month Special Statement	2.95%	2.99%	15 Month	$500
Min Deposit $500 Details Special CD Offering; Rates Effective: 10/21/2026 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 2.99% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
CD - 36-Month	2.00%	2.02%	36 Month	$500
Min Deposit $500 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 2.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
CD - 60-Month	0.90%	0.90%	60 Month	$500
Min Deposit $500 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 0.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
CD - 48-Month	0.50%	0.50%	48 Month	$500
Min Deposit $500 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
CD - 30-Month	0.35%	0.35%	30 Month	$500
Min Deposit $500 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 0.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
CD - 24-Month	0.30%	0.30%	24 Month	$500
Min Deposit $500 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 0.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
CD - 18-Month	0.25%	0.25%	18 Month	$500
Min Deposit $500 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
CD - 12-Month	0.20%	0.20%	12 Month	$500
Min Deposit $500 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 0.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
CD - 6-Month 'No Penalty'	0.15%	0.15%	6 Month	$500
Min Deposit $500 Details Not eligible for IRA Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
CD - 3-Month	0.05%	0.05%	3 Month	$500
Min Deposit $500 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%

Greenfield Co-operative Bank Savings Rates

Product	Rate	APY
Vibe Savings	0.40%	0.40%
Min Deposit $10 Details Vibe Checking Account required Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.40% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
IRA Savings Account	0.15%	0.15%
Min Deposit $10 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
Money Market Savings	0.15%	0.15%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 and greater Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
Money Market Savings	0.10%	0.10%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $9,999.99 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
Money Market Savings	0.10%	0.10%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000 - 24,999.99 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
Money Market Savings	0.10%	0.10%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
Statement Savings	0.05%	0.05%
Min Deposit $10 Details Business and Consumer Statement Savings; Effective: 10/21/2026 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%

Greenfield Co-operative Bank Money Market Rates

Product	Rate	APY
Locally Grown Money Market	1.60%	1.61%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 and greater Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 1.61% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
Locally Grown Money Market	0.25%	0.25%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000 - $99,999.99 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
Money Market Savings	0.15%	0.15%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 and greater Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
Locally Grown Money Market	0.10%	0.10%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $24,999.99 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
Money Market Savings	0.10%	0.10%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $9,999.99 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
Money Market Savings	0.10%	0.10%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000 - 24,999.99 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
Money Market Savings	0.10%	0.10%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%

Greenfield Co-operative Bank Checking Rates

Product	Rate	APY	View More
NOW Checking	0.03%	0.03%
Min Deposit $10 Details Effective: 10/21/2026 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.03% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%

Greenfield Co-operative Bank Mortgage Rates

Product	Rate	Points	APR	Term
FTHB Co-op Achieve 10-1 ARM	5.50%	0	6.293%
Details Caps: 2/6; Margin: 3.000%; 95% Maximum LTV on Single or Two-Family Owner-Occupied Purchase Only; First Time Home Buyers only; Minimum loan $100,000; APR based on 20% down payment Last Updated 11/06/2026 Rate History 2 changes since Sep 15, 2026 · 5.97% → 6.29% ▲ 0.33 pts · high 6.29% / low 5.97% Oct 1, 20266.29%▲ from 6.09% Sep 24, 20266.09%▲ from 5.97% Sep 15, 20265.97%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
Co-op Cares 10-1 ARM	5.625%	0	6.373%
Details Caps: 2/6; Margin: 3.000% Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 6.37% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
FTHB Co-op Attain 10-1 ARM	5.625%	0	6.373%
Details Caps: 2/6; Margin: 3.000%; 95% Maximum LTV on Single or Two-Family Owner-Occupied Purchase Only; First Time Home Buyers only; Minimum loan $100,000; APR based on 20% down payment Last Updated 11/06/2026 Rate History 2 changes since Sep 15, 2026 · 6.05% → 6.37% ▲ 0.32 pts · high 6.37% / low 6.05% Oct 1, 20266.37%▲ from 6.17% Sep 24, 20266.17%▲ from 6.05% Sep 15, 20266.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
Homegrown Heroes 10-1 ARM	5.625%	0	6.373%
Details Caps: 2/6; Margin: 3.000% Last Updated 11/06/2026 Rate History 2 changes since Sep 15, 2026 · 6.05% → 6.37% ▲ 0.32 pts · high 6.37% / low 6.05% Oct 21, 20266.37%▲ from 6.17% Sep 24, 20266.17%▲ from 6.05% Sep 15, 20266.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
Construction Loan - 10-1 ARM	5.75%	0	6.444%
Details Single Family Owner Occupied; 20% Minimum Down Payment Required; 30 Year Maximum Term; Caps: 2/6; Margin: 3.000%; Minimum loan $100,000; Licensed general contractor required; APR based on 20% down payment; Rates Effective: 10/21/2026 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 6.44% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
Fixed Rate Mortgage - 10 Year	6.50%	0	6.756%	120 months
Details Term column: 10; APR based on 20% down payment and credit score > 740; Jumbo loans add 0.25% to published rate Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 6.76% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
Fixed Rate Mortgage - 15 Year	6.625%	0	6.808%	180 months
Details Term column: 15; APR based on 20% down payment and credit score > 740; Jumbo loans add 0.25% to published rate Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 6.81% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
Construction Loan - 7-1 ARM	6.00%	0	6.814%
Details Single Family Owner Occupied; 20% Minimum Down Payment Required; 30 Year Maximum Term; Caps: 2/6; Margin: 3.000%; Minimum loan $100,000; Licensed general contractor required; APR based on 20% down payment; Rates Effective: 10/21/2026 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 6.81% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
Fixed Rate Mortgage - 15 Year	6.50%	1	6.844%	180 months
Details Term column: 15; APR based on 20% down payment and credit score > 740; Jumbo loans add 0.25% to published rate Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 6.84% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
Construction Loan - 5-1 ARM	5.75%	0	6.876%
Details Single Family Owner Occupied; 20% Minimum Down Payment Required; 30 Year Maximum Term; Caps: 2/6; Margin: 3.000%; Minimum loan $100,000; Licensed general contractor required; APR based on 20% down payment; Rates Effective: 10/21/2026 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 6.88% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
Fixed Rate Mortgage - 15 Year	6.375%	2	6.881%	180 months
Details Term column: 15; APR based on 20% down payment and credit score > 740; Jumbo loans add 0.25% to published rate Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 6.88% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
Fixed Rate Mortgage - 20 Year	7.00%	0	7.113%	240 months
Details Term column: 20; APR based on 20% down payment and credit score > 740; Jumbo loans add 0.25% to published rate Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 7.11% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
Homegrown Heroes 30 Year Fixed	7.00%	0	7.122%	30 years
Details Caps: N/A; Margin: N/A Last Updated 11/06/2026 Rate History No change since Oct 1, 2026 · 7.12% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
Fixed Rate Mortgage - 20 Year	6.875%	1	7.156%	240 months
Details Term column: 20; APR based on 20% down payment and credit score > 740; Jumbo loans add 0.25% to published rate Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 7.16% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
Fixed Rate Mortgage - 20 Year	6.75%	2	7.162%	240 months
Details Term column: 20; APR based on 20% down payment and credit score > 740; Jumbo loans add 0.25% to published rate Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 7.16% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
Fixed Rate Mortgage - 30 Year	6.875%	2	7.196%	360 months
Details Term column: 30; APR based on 20% down payment and credit score > 740; Jumbo loans add 0.25% to published rate Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 7.20% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
Fixed Rate Mortgage - 30 Year	7.00%	1	7.221%	360 months
Details Term column: 30; APR based on 20% down payment and credit score > 740; Jumbo loans add 0.25% to published rate Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 7.22% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
Fixed Rate Mortgage - 30 Year	7.125%	0	7.246%	360 months
Details Term column: 30; APR based on 20% down payment and credit score > 740; Jumbo loans add 0.25% to published rate Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 7.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
Construction Loan - 30 Year Fixed	7.125%	0	7.261%
Details Single Family Owner Occupied; 20% Minimum Down Payment Required; 30 Year Maximum Term; Caps: N/A; Margin: N/A; Minimum loan $100,000; Licensed general contractor required; APR based on 20% down payment; Rates Effective: 10/21/2026 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 7.26% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%

Greenfield Co-operative Bank Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan With matic Payments	6.625%	-	6.625%	5 Years
Details Automatic payments from GCB/NCB Checking or Statement Savings Account Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 6.63% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
Home Equity Loan - 5 Years	6.875%	-	6.875%	5 Years
Details Without Automatic Payments Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 6.88% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
Home Equity Loan With matic Payments	6.875%	-	6.875%	10 Years
Details Automatic payments from GCB/NCB Checking or Statement Savings Account Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 6.88% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
Home Equity Loan With matic Payments	7.00%	-	7.00%	15 Years
Details Automatic payments from GCB/NCB Checking or Statement Savings Account Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 7.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
Home Equity Loan - 10 Years	7.125%	-	7.125%	10 Years
Details Without Automatic Payments Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 7.13% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
Home Equity Loan - 15 Years	7.25%	-	7.25%	15 Years
Details Without Automatic Payments Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 7.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
Home Equity Loan With matic Payments	7.25%	-	7.25%	20 Years
Details Automatic payments from GCB/NCB Checking or Statement Savings Account Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 7.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
Home Equity Loan - 20 Years	7.50%	-	7.50%	20 Years
Details Without Automatic Payments Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 7.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%

Greenfield Co-operative Bank Other Rates

Product	Rate	Points	APY/APR	Term
FTHB Co-op Achieve 30 Yr Fixed	6.875%	0	6.996%	30 years
Details Months: 360; Payment per $1,000 not stored; Maximum LTV 97% single-family owner-occupied purchase only; 95% two-family owner-occupied purchase only; Minimum loan $100,000; First Time Home Buyers only; APR based on 20% down payment; PMI required under 20% down Last Updated 11/06/2026 Rate History 2 changes since Sep 24, 2026 · 6.74% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.74% Oct 1, 20267.00%▲ from 6.87% Sep 27, 20266.87%▲ from 6.74% Sep 24, 20266.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
FTHB Co-op Attain 30 Yr Fixed	7.00%	0	7.122%	30 years
Details Months: 360; Payment per $1,000 not stored; Maximum LTV 97% single-family owner-occupied purchase only; 95% two-family owner-occupied purchase only; Minimum loan $100,000; First Time Home Buyers only; APR based on 20% down payment; PMI required under 20% down Last Updated 11/06/2026 Rate History 2 changes since Sep 24, 2026 · 6.87% → 7.12% ▲ 0.25 pts · high 7.12% / low 6.87% Oct 1, 20267.12%▲ from 7.00% Sep 27, 20267.00%▲ from 6.87% Sep 24, 20266.87%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%
Land Loan - Fixed	7.625%	0	7.814%
Details 15 Year Maximum Term; 30% Minimum Down Payment / 70% Maximum LTV; Minimum loan $50,000; APR based on 30% down payment; on improved land - town road frontage with electric facilities; flood insurance (if applicable) required Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 7.81% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.03%

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.
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Financial Health History

Greenfield Co-operative Bank’s Texas Ratio rose from 1.71% in Q3 2023 to 4.03% 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	$902M	4.03%	5.0	A+
March 31, 2026	$858M	4.80%	5.0	A+
December 31, 2025	$846M	4.90%	5.0	A+
September 30, 2025	$836M	4.11%	5.0	A+
June 30, 2025	$832M	4.78%	5.0	A+
March 31, 2025	$813M	4.38%	5.0	A+
December 31, 2024	$786M	4.82%	5.0	A+
September 30, 2024	$767M	3.08%	5.0	A+
June 30, 2024	$762M	3.52%	5.0	A+
March 31, 2024	$759M	3.07%	5.0	A+
December 31, 2023	$746M	3.44%	5.0	A+
September 30, 2023	$762M	1.71%	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 Greenfield 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 Greenfield 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 Greenfield Co-operative Bank's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Greenfield Co-operative Bank

Website https://www.greenfieldcoopbank.com

Address 63 Federal St, Greenfield, MA 01301 · Franklin

Bank Holding Company GREENFIELD BCORP MHC

FDIC Certificate # 26397

Regulator FED

Established January 1, 1905

FDIC Insurance Date October 22, 1985

Domestic Offices 10

Total Branches 10

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.03%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

0.5653%

Return on Equity (ROE)

5.0400%

Non-Performing Loans Ratio (NPL)

0.44%

Total Assets

$901,813,000

Total Deposits

$799,999,000

Equity Capital

$98,045,000

Net Income

$2,455,000

Headquarters

Greenfield

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

Greenfield Co-operative Bank earned the Verified Healthy badge

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Frequently Asked Questions About Greenfield Co-operative Bank

Does Greenfield Co-operative Bank offer CDs?

Yes. Greenfield Co-operative Bank current CD rates include its CD - 36-Month at 2.02% APY, its CD - 60-Month at 0.90% APY and its CD - 48-Month at 0.50% APY, verified by MonitorBankRates as of November 6, 2026.

Are CDs from Greenfield Co-operative Bank FDIC insured?

Yes. Greenfield 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 Greenfield Co-operative Bank?

The highest Greenfield Co-operative Bank CD rate is its 13-Month Special Statement CD at 3.56% APY, verified by MonitorBankRates as of November 6, 2026.

What CD terms does Greenfield Co-operative Bank offer?

Greenfield Co-operative Bank CD rates are 0.20% APY for a 12 month CD, 0.25% APY for an 18 month CD, 0.30% APY for a 2 year CD, 0.35% APY for a 30 month CD, 2.02% APY for a 3 year CD, 0.50% APY for a 4 year CD and 0.90% 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 Greenfield Co-operative Bank for its full lineup.

What is the highest savings rate at Greenfield Co-operative Bank?

The highest Greenfield Co-operative Bank savings rate is its Vibe Savings at 0.40% APY, verified by MonitorBankRates as of November 6, 2026.

What is the highest money market rate at Greenfield Co-operative Bank?

The highest Greenfield Co-operative Bank money market rate is its Locally Grown Money Market at 1.61% APY, verified by MonitorBankRates as of November 6, 2026.

What is the highest checking rate at Greenfield Co-operative Bank?

The highest Greenfield Co-operative Bank checking rate is its NOW Checking at 0.03% APY, verified by MonitorBankRates as of November 6, 2026.

What is the lowest 30 year fixed mortgage rate at Greenfield Co-operative Bank?

The lowest Greenfield Co-operative Bank 30 year fixed mortgage rate is its Fixed Rate Mortgage - 30 Year at 6.875%, verified by MonitorBankRates as of November 6, 2026. Greenfield Co-operative Bank mortgage rates are 6.875% for a 30 year mortgage, 6.75% for a 20 year mortgage, 6.375% for a 15 year mortgage and 6.50% for a 10 year mortgage.

How many branches does Greenfield Co-operative Bank operate?

Greenfield Co-operative Bank currently maintains approximately 10 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, Greenfield 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, Greenfield Co-operative Bank provides members with tools to manage their accounts and build a solid financial history.

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

Most modern institutions like Greenfield 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.greenfieldcoopbank.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 Greenfield Co-operative Bank rates compare?

Greenfield Co-operative Bank's top CD rate of 2.02% APY on a 3 year CD is 29% lower than the MonitorBankRates national average of 2.84% APY for that term, and it has an A+ health rating. Greenfield Co-operative Bank's top rates are its 13-Month Special Statement CD at 3.56% APY, its Vibe Savings at 0.40% APY, its Locally Grown Money Market at 1.61% APY, its NOW Checking at 0.03% APY and its FTHB Co-op Achieve 10-1 ARM at 5.50%, verified by MonitorBankRates on November 6, 2026.

Current Greenfield Co-operative Bank Rates

12-Month CD0.20%
18-Month CD0.25%
24-Month CD0.30%
36-Month CD2.02%
48-Month CD0.50%
60-Month CD0.90%
Savings0.40%
MMA1.61%

Retrieved from our database of financial products. Rates subject to change.

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Greenfield Co-operative Bank Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Greenfield Co-operative Bank Texas Ratio

Greenfield Co-operative Bank Health Trend

Greenfield Co-operative Bank CD Rates

Greenfield Co-operative Bank Savings Rates

Greenfield Co-operative Bank Money Market Rates

Greenfield Co-operative Bank Checking Rates

Greenfield Co-operative Bank Mortgage Rates

Greenfield Co-operative Bank Home Equity & HELOC

Greenfield Co-operative Bank Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

Greenfield Co-operative Bank earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Greenfield Co-operative Bank

Does Greenfield Co-operative Bank offer CDs?

Are CDs from Greenfield Co-operative Bank FDIC insured?

What is the highest CD rate at Greenfield Co-operative Bank?

What CD terms does Greenfield Co-operative Bank offer?

What is the highest savings rate at Greenfield Co-operative Bank?

What is the highest money market rate at Greenfield Co-operative Bank?

What is the highest checking rate at Greenfield Co-operative Bank?

What is the lowest 30 year fixed mortgage rate at Greenfield Co-operative Bank?

How many branches does Greenfield Co-operative Bank operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

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

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Greenfield Co-operative Bank rates compare?

Current Greenfield Co-operative Bank Rates

Compare to Other Banks