What are the current interest rates at Savers Co-operative Bank?

Current rates for Savers Co-operative Bank include: 12-Month CD: 1.02%, 18-Month CD: 1.28%, 24-Month CD: 1.28%, 36-Month CD: 1.69%, 48-Month CD: 2.05%, 60-Month CD: 2.05%, Savings: 0.10%, MMA: 0.10%

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Savers Co-operative Bank

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Savers Co-operative Bank Rates & Review September 2026

Q: How many branches does Savers Co-operative Bank operate?

Savers Co-operative Bank currently maintains approximately 7 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Savers Co-operative Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 19, 2026

Savers Co-operative Bank's 15-Months Ultra 15-Month CD rates are at 3.65%, Ultra 15-Month Certificate Special rates are at 3.65%, 11-Months Ultra 11-Month CD rates are at 3.50%, Ultra 11-Month Certificate Special rates are at 3.50%, 7-Months Ultra 7-Month CD rates are at 3.50%. Savers Co-operative Bank's savings rates are at 0.10%. Savers Co-operative Bank's money market rates are at 0.10%. Savers Co-operative Bank's Personal Loan Rates are as low as 14.00%. MonitorBankRates evaluates the financial stability of Savers Co-operative Bank with a 4.0 Star Rating, an C Overall Health Grade, and a Texas Ratio of 27.40%. Rates last updated and verified on 09/19/2026.

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

Overall Health & Safety Grade

Average Health Score: 76/100

MonitorBankRates Rating

4.0

Very Good Out of 5.0 Stars

Texas Ratio

27.40%

Good Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Savers Co-operative Bank

270 Main St
Southbridge, MA 01550

https://www.saversbank.com

Savers Co-operative Bank CD Rates

Product	Rate	APY	Term
Ultra 15 Month CD	-	3.65%	15 months
Min Deposit $25,000 Min Balance $10 Details APY= Annual Percentage Yield. The 3.65% APY for a term of 15 months is effective as of March 4, 2026 and is subject to change without notice. APY assumes interest remains on deposit until maturity. A withdrawal of interest will reduce earnings. Fees and other conditions could reduce earnings. You must maintain a minimum balance of $10 in the account to obtain the disclosed APY. A penalty may be imposed for early withdrawal on certificates. In order to obtain the special rates, you must open or have an existing Savers Bank checking account. The CD will auto renew to a 12 month CD at maturity. Last Updated 09/19/2026 Institution Ratings 4.0 Star Rating C Health Grade ◈ Texas Ratio: 27.40%
Ultra 15 Month Certificate Special	3.54%	3.65%	15 Month
Min Deposit $25,000 Details Term: Ultra 15 Month Certificate Special; *** Last Updated 09/19/2026 Institution Ratings 4.0 Star Rating C Health Grade ◈ Texas Ratio: 27.40%
Ultra 11 Month CD	-	3.50%	11 months
Min Deposit $25,000 Min Balance $10 Details APY= Annual Percentage Yield. The 3.50% APY for a term of 11 months is effective as of March 4, 2026 and is subject to change without notice. APY assumes interest remains on deposit until maturity. A withdrawal of interest will reduce earnings. Fees and other conditions could reduce earnings. You must maintain a minimum balance of $10 in the account to obtain the disclosed APY. A penalty may be imposed for early withdrawal on certificates. In order to obtain the special rates, you must open or have an existing Savers Bank checking account. The CD will auto renew to a 12 month CD at maturity. Last Updated 09/19/2026 Institution Ratings 4.0 Star Rating C Health Grade ◈ Texas Ratio: 27.40%
Ultra 11 Month Certificate Special	3.39%	3.50%	11 Month
Min Deposit $25,000 Details Term: Ultra 11 Month Certificate Special; *** Last Updated 09/19/2026 Institution Ratings 4.0 Star Rating C Health Grade ◈ Texas Ratio: 27.40%
Ultra 7 Month CD	-	3.50%	7 months
Min Deposit $25,000 Min Balance $10 Details APY= Annual Percentage Yield. The 3.50% APY for a term of 7 months is effective as of March 4, 2026 and is subject to change without notice. APY assumes interest remains on deposit until maturity. A withdrawal of interest will reduce earnings. Fees and other conditions could reduce earnings. You must maintain a minimum balance of $10 in the account to obtain the disclosed APY. A penalty may be imposed for early withdrawal on certificates. In order to obtain the special rates, you must open or have an existing Savers Bank checking account. The CD will auto renew to a 12 month CD at maturity. Last Updated 09/19/2026 Institution Ratings 4.0 Star Rating C Health Grade ◈ Texas Ratio: 27.40%
Ultra 7 Month Certificate Special	3.39%	3.50%	7 Month
Min Deposit $25,000 Details Term: Ultra 7 Month Certificate Special; *** Last Updated 09/19/2026 Institution Ratings 4.0 Star Rating C Health Grade ◈ Texas Ratio: 27.40%
48 Month Certificate	2.00%	2.05%	48 Month Certificate
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 4.0 Star Rating C Health Grade ◈ Texas Ratio: 27.40%
60 Month Certificate	2.00%	2.05%	60 Month Certificate
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 4.0 Star Rating C Health Grade ◈ Texas Ratio: 27.40%
30 Month Certificate	1.65%	1.69%	30 Month Certificate
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 4.0 Star Rating C Health Grade ◈ Texas Ratio: 27.40%
36 Month Certificate	1.65%	1.69%	36 Month Certificate
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 4.0 Star Rating C Health Grade ◈ Texas Ratio: 27.40%
18 Month Certificate	1.25%	1.28%	18 Month Certificate
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 4.0 Star Rating C Health Grade ◈ Texas Ratio: 27.40%
24 Month Certificate	1.25%	1.28%	24 Month Certificate
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 4.0 Star Rating C Health Grade ◈ Texas Ratio: 27.40%
IRA Variable 18 Month Certificate	1.25%	1.28%	18 Month
Min Deposit $50 Details Term: IRA Variable 18 Month Certificate Last Updated 09/19/2026 Institution Ratings 4.0 Star Rating C Health Grade ◈ Texas Ratio: 27.40%
12 Month Certificate	1.00%	1.02%	12 Month Certificate
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 4.0 Star Rating C Health Grade ◈ Texas Ratio: 27.40%
6 Month Certificate	0.65%	0.66%	6 Month Certificate
Min Deposit $2,500 Last Updated 09/19/2026 Institution Ratings 4.0 Star Rating C Health Grade ◈ Texas Ratio: 27.40%

Savers Co-operative Bank Savings Rates

Product	Rate	APY
School Savings	0.10%	0.10%
Min Deposit $0 Min Balance $10 Last Updated 09/19/2026 Institution Ratings 4.0 Star Rating C Health Grade ◈ Texas Ratio: 27.40%
Statement Savings Account	0.10%	0.10%
Min Deposit $10 Min Balance $10 Last Updated 09/19/2026 Institution Ratings 4.0 Star Rating C Health Grade ◈ Texas Ratio: 27.40%

Savers Co-operative Bank Money Market Rates

Product	Rate	APY
Ultra Money Market Special -Personal and Business	3.15%	3.25%
Min Balance $500,000 Details Balance: $500,000 + Last Updated 09/19/2026 Institution Ratings 4.0 Star Rating C Health Grade ◈ Texas Ratio: 27.40%
Ultra Money Market Special -Personal and Business	2.68%	2.75%
Min Balance $150,000 Details Balance: $150,000 - $499,999.99 Last Updated 09/19/2026 Institution Ratings 4.0 Star Rating C Health Grade ◈ Texas Ratio: 27.40%
Ultra Money Market Special -Personal and Business	1.32%	1.35%
Min Balance $50,000 Details Balance: $50,000 - $149,999.99 Last Updated 09/19/2026 Institution Ratings 4.0 Star Rating C Health Grade ◈ Texas Ratio: 27.40%
Ultra Money Market Special -Personal and Business	0.98%	1.00%
Min Balance $10 Details Balance: $10 - $49,999.99 Last Updated 09/19/2026 Institution Ratings 4.0 Star Rating C Health Grade ◈ Texas Ratio: 27.40%
Tiered Business Money Market Account	0.45%	0.45%
Min Balance $500,000 Details Balance: $500,000 + Last Updated 09/19/2026 Institution Ratings 4.0 Star Rating C Health Grade ◈ Texas Ratio: 27.40%
Tiered Money Market Account	0.35%	0.35%
Min Balance $500,000 Details Balance: $500,000 + Last Updated 09/19/2026 Institution Ratings 4.0 Star Rating C Health Grade ◈ Texas Ratio: 27.40%
Premier IRA Money Market Account	0.25%	0.25%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 09/19/2026 Institution Ratings 4.0 Star Rating C Health Grade ◈ Texas Ratio: 27.40%
Premier IRA Money Market Account	0.25%	0.25%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 09/19/2026 Institution Ratings 4.0 Star Rating C Health Grade ◈ Texas Ratio: 27.40%
Premier IRA Money Market Account	0.25%	0.25%
Min Balance $50,000 Details Balance: $50,000 and over Last Updated 09/19/2026 Institution Ratings 4.0 Star Rating C Health Grade ◈ Texas Ratio: 27.40%
Tiered Business Money Market Account	0.25%	0.25%
Min Balance $150,000 Details Balance: $150,000 - $499,999.99 Last Updated 09/19/2026 Institution Ratings 4.0 Star Rating C Health Grade ◈ Texas Ratio: 27.40%
Premier IRA Money Market Account	0.20%	0.20%
Min Balance $5,000 Details Balance: $5,000 - $9,999.99 Last Updated 09/19/2026 Institution Ratings 4.0 Star Rating C Health Grade ◈ Texas Ratio: 27.40%
Tiered Money Market Account	0.20%	0.20%
Min Balance $150,000 Details Balance: $150,000 - $499,999.99 Last Updated 09/19/2026 Institution Ratings 4.0 Star Rating C Health Grade ◈ Texas Ratio: 27.40%
Tiered Business Money Market Account	0.15%	0.15%
Min Balance $50,000 Details Balance: $50,000 - $149,999.99 Last Updated 09/19/2026 Institution Ratings 4.0 Star Rating C Health Grade ◈ Texas Ratio: 27.40%
Tiered Money Market Account	0.15%	0.15%
Min Balance $50,000 Details Balance: $50,000 - $149,999.99 Last Updated 09/19/2026 Institution Ratings 4.0 Star Rating C Health Grade ◈ Texas Ratio: 27.40%
Premier IRA Money Market Account	0.10%	0.10%
Min Balance $0 Details Balance: Less than $5,000 Last Updated 09/19/2026 Institution Ratings 4.0 Star Rating C Health Grade ◈ Texas Ratio: 27.40%
Tiered Business Money Market Account	0.10%	0.10%
Min Balance $10 Details Balance: $10 - $49,999.99 Last Updated 09/19/2026 Institution Ratings 4.0 Star Rating C Health Grade ◈ Texas Ratio: 27.40%
Tiered Money Market Account	0.10%	0.10%
Min Balance $10 Details Balance: $10 - $49,999.99 Last Updated 09/19/2026 Institution Ratings 4.0 Star Rating C Health Grade ◈ Texas Ratio: 27.40%

Savers Co-operative Bank Checking Rates

Product	Rate	APY
Ka-Ching Checking	1.95%	2.00%
Min Deposit $10 Min Balance $10 Details Qualifications Required: 12 posted and settled Debit Card purchases; Be enrolled in eStatements; Have 1 direct deposit or 1 bill payment (electronic) or automatic payment (ACH) post and settle; Balances from $10.00 up to $25,000 earn 1.95% interest rate (2.00% Annual Percentage Yield (APY)). ATM Surcharge Rebate - Up to $30 refunded per cycle. Card Activity Charge (Service charge for withdrawals from ATMs we do not own) - Up to $15 refunded per cycle. If qualifications are not met, balances of $10 or more earn an interest rate and APY of 0.05%. Last Updated 09/19/2026 Institution Ratings 4.0 Star Rating C Health Grade ◈ Texas Ratio: 27.40%
Ka-Ching Checking	1.95%	2.00%
Min Balance $10 Details Qualifications Required: If qualifications are met; Balance: $10 to $25,000; If qualifications are met. Last Updated 09/19/2026 Institution Ratings 4.0 Star Rating C Health Grade ◈ Texas Ratio: 27.40%
Simply Better Checking Account	0.10%	0.10%
Min Balance $250,000 Details Balance: $250,000 and over Last Updated 09/19/2026 Institution Ratings 4.0 Star Rating C Health Grade ◈ Texas Ratio: 27.40%
Ka-Ching Checking	0.05%	0.05%
Min Balance $0 Details Qualifications Required: If qualifications are not met; Balance: All Balances; If qualifications are not met. Last Updated 09/19/2026 Institution Ratings 4.0 Star Rating C Health Grade ◈ Texas Ratio: 27.40%
Simply Better Checking Account	0.05%	0.05%
Min Balance $50,000 Details Balance: $50,000 - $249,999.99 Last Updated 09/19/2026 Institution Ratings 4.0 Star Rating C Health Grade ◈ Texas Ratio: 27.40%
e-Checking Account	0.02%	0.02%
Min Balance $500 Details Balance: $500 and over Last Updated 09/19/2026 Institution Ratings 4.0 Star Rating C Health Grade ◈ Texas Ratio: 27.40%
Simply Better Checking Account	0.02%	0.02%
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 09/19/2026 Institution Ratings 4.0 Star Rating C Health Grade ◈ Texas Ratio: 27.40%

Savers Co-operative Bank Auto Loan Rates

Product	Rate	Points	APR	Term
Auto (2024 - New) Auto Loan	6.72%	-	6.72%	Up to 60 mos
Details Published APR range: 6.72% - 9.97%; Published rate range: 6.72% - 9.97%. Amount Financed: 100%; Model Year: Auto (2024 - New) Last Updated 09/19/2026 Institution Ratings 4.0 Star Rating C Health Grade ◈ Texas Ratio: 27.40%
Auto (2021 - 2023) Auto Loan	7.17%	-	7.17%	Up to 60 mos
Details Published APR range: 7.17% - 10.42%; Published rate range: 7.17% - 10.42%. Amount Financed: 100%; Model Year: Auto (2021 - 2023) Last Updated 09/19/2026 Institution Ratings 4.0 Star Rating C Health Grade ◈ Texas Ratio: 27.40%
Auto (2024 - New) Auto Loan	7.17%	-	7.17%	Up to 72 mos
Details Published APR range: 7.17% - 10.42%; Published rate range: 7.17% - 10.42%. Amount Financed: 100%; Model Year: Auto (2024 - New) Last Updated 09/19/2026 Institution Ratings 4.0 Star Rating C Health Grade ◈ Texas Ratio: 27.40%
New - (Under 1,000 Miles) Auto Loan	7.17%	-	7.17%	Up to 84 mos
Details Published APR range: 7.17% - 10.42%; Published rate range: 7.17% - 10.42%. Amount Financed: 100%; Model Year: New - (Under 1,000 Miles) Last Updated 09/19/2026 Institution Ratings 4.0 Star Rating C Health Grade ◈ Texas Ratio: 27.40%
Auto (2017 - 2020) Auto Loan	7.67%	-	7.67%	Up to 60 mos
Details Published APR range: 7.67% - 10.92%; Published rate range: 7.67% - 10.92%. Amount Financed: 100%; Model Year: Auto (2017 - 2020) Last Updated 09/19/2026 Institution Ratings 4.0 Star Rating C Health Grade ◈ Texas Ratio: 27.40%
Auto (2021 - 2023) Auto Loan	7.67%	-	7.67%	Up to 72 mos
Details Published APR range: 7.67% - 10.92%; Published rate range: 7.67% - 10.92%. Amount Financed: 100%; Model Year: Auto (2021 - 2023) Last Updated 09/19/2026 Institution Ratings 4.0 Star Rating C Health Grade ◈ Texas Ratio: 27.40%
Auto (2016 - Older) Auto Loan	8.17%	-	8.17%	Up to 36 mos
Details Published APR range: 8.17% - 11.42%; Published rate range: 8.17% - 11.42%. Amount Financed: 100%; Model Year: Auto (2016 - Older) Last Updated 09/19/2026 Institution Ratings 4.0 Star Rating C Health Grade ◈ Texas Ratio: 27.40%

Savers Co-operative Bank Personal Loan Rates

Product	APR	Term	View More
Personal Loans	14.00%	Up to 48 mos
Details Amount Financed: $1,000-$8,500 Last Updated 09/19/2026 Institution Ratings 4.0 Star Rating C Health Grade ◈ Texas Ratio: 27.40%

Savers Co-operative Bank Other Rates

Product	Rate	Points	APY/APR	Term	View More
Collateral Loans	4.00%	-	4.00%
Details Borrow up to 100% of your account balance; Minimum loan amount: $1,000 Last Updated 09/19/2026 Institution Ratings 4.0 Star Rating C Health Grade ◈ Texas Ratio: 27.40%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Savers Co-operative Bank’s Texas Ratio rose from 4.61% in Q3 2023 to 27.40% 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)

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	$783M	27.40%	4.0	C
March 31, 2026	$797M	18.54%	4.7	B+
December 31, 2025	$790M	19.67%	4.6	B
September 30, 2025	$795M	10.96%	5.0	A
June 30, 2025	$788M	11.17%	5.0	A
March 31, 2025	$778M	3.89%	5.0	A+
December 31, 2024	$770M	3.72%	5.0	A+
September 30, 2024	$764M	3.86%	5.0	A+
June 30, 2024	$750M	4.48%	5.0	A+
March 31, 2024	$718M	4.49%	5.0	A+
December 31, 2023	$718M	4.07%	5.0	A+
September 30, 2023	$720M	4.61%	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 Savers 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 Savers 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 Savers Co-operative Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Savers Co-operative Bank

FDIC Certificate # 26455

Address 270 Main St, Southbridge, MA 01550 · Worcester

Website https://www.saversbank.com

Established 19100101

FDIC Insurance Date 19851126

Domestic Offices 7

Total Branches 7

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 76/100

4.0

Very Good Out of 5.0 Stars

27.40%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.6813%

Return on Equity (ROE) 6.7100%

Non-Performing Loans (NPL) 2.85%

Total Assets $783,177,000

Total Deposits $562,335,000

Equity Capital $81,444,000

Net Income $2,692,000

Headquarters Southbridge

Total Branches and Offices 7

Source: FDIC | Last Updated 06/30/2026

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Frequently Asked Questions About Savers Co-operative Bank

How many branches does Savers Co-operative Bank operate?

Savers Co-operative Bank currently maintains approximately 7 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, Savers 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, Savers Co-operative Bank provides members with tools to manage their accounts and build a solid financial history.

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

Most modern institutions like Savers 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.saversbank.com.