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 Reading Co-op Bank Rates & Review June 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: May 28, 2026
Reading Co-op Bank's 6-Month rates are at 3.75%, 1 Year rates are at 3.50%, 8-Month rates are at 3.50%, 3 Year rates are at 3.00%, 4 Year rates are at 3.00%. Reading Co-op Bank's savings rates are at 0.01%. Reading Co-op Bank's money market rates are at 0.05%. Reading Co-op Bank's Personal Loan Rates are at 15.00%. MonitorBankRates evaluates the financial stability of Reading Co-op Bank with a 4.0 Star Rating, an B+ Overall Health Grade, and a Texas Ratio of 0.28%. Rates were last updated on 05/28/2026. Reading Co-op 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 Reading Co-op Bank? Share your experience about Reading Co-op Bank by leaving a review below, or read customer reviews before you decide to use Reading Co-op Bank. 
Reading Co-op Bank CD Rates
Reading Co-op Bank Savings Rates
Reading Co-op Bank Money Market Rates
Reading Co-op Bank Home Equity & HELOC
Reading Co-op Bank Auto Loan Rates
Reading Co-op Bank Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Reading Co-op 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 Reading Co-op 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 Reading Co-op Bank's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Reading Co-op Bank
FDIC Certificate #
26620
Address
180 Haven St,
Reading, MA 01867 · Middlesex
Website
https://www.readingcoop.com
Established
01/01/1886
FDIC Insurance Date
03/27/1986
Domestic Offices
13
Total Branches
13
Regulator
FED
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsB+
Overall Health Grade
Score: 90/100
4.0
Very Good
Out of 5.0 Stars
0.28%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.1670%
Return on Equity (ROE)
2.7800%
Non-Performing Loans (NPL)
0.01%
Total Assets
$1,242,761,000
Total Deposits
$1,114,066,000
Equity Capital
$74,256,000
Net Income
$5,758,000
Headquarters
Reading
Total Offices
13
Source: FDIC | Last Updated 12/31/2025
Customer Reviews
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Frequently Asked Questions About Reading Co-op BankHow many branches does Reading Co-op Bank operate?Reading Co-op 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, Reading Co-op 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, Reading Co-op Bank provides members with tools to manage their accounts and build a solid financial history. Does Reading Co-op Bank offer online and mobile banking?Most modern institutions like Reading Co-op 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.readingcoop.com. Current Reading Co-op Bank Rates
Retrieved from our database of financial products. Rates subject to change.
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