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Stoughton Co-operative Bank Rates & Review October 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: October 11, 2026
Stoughton Co-operative Bank's top rates as of October 11, 2026 are 4.00% APY on its 21-25-Months 21-25-Month CD Special, 0.025% APY on savings, 0.15% APY on money market accounts, 0.01% APY on checking, 5.50% on its 10 Year Conforming mortgage, and personal loans from 11.99% APR, according to rates verified by MonitorBankRates. Other Stoughton Co-operative Bank CD rates include 15-17-Months 15-17-Month CD Special at 3.85%, 10-Month CD Special at 3.65%, and 48-Months 48-Month Certificate of Deposit at 0.65%. Other Stoughton Co-operative Bank mortgage rates include Mortgage - 20 Year Conforming at 5.75%, Mortgage - 15 Year Conforming at 5.675%, and Mortgage - 10 Year Conforming at 5.75%. MonitorBankRates evaluates the financial stability of Stoughton Co-operative Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Rates last updated and verified on 10/11/2026.
Stoughton 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 Stoughton Co-operative Bank? Share your experience about Stoughton Co-operative Bank by leaving a review below, or read customer reviews before you decide to use Stoughton Co-operative Bank.
Stoughton 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
Stoughton 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
?
0.00%
PerfectLower than avg
Stoughton Co-operative Bank Texas Ratio
Stoughton Co-operative Bank's Texas Ratio is 0.00%, which is considered perfect and is lower than the national average of 5.85%.
A 0.00% ratio is the best possible score. Stoughton Co-operative Bank currently has zero non-performing assets or foreclosed properties on its books.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
1.54% to 0.00% over 12 quarters, improvingFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this bank has improved and is now 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.
Stoughton Co-operative Bank CD Rates
Product
Rate
APY
Term
View More
21-25 Month CD Special
3.98%
4.00%
21-25 months
Min Deposit$500
Min Balance$500
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
15-17 Month CD Special
3.78%
3.85%
15-17 months
Min Deposit$500
Min Balance$500
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
10 Month CD Special
3.59%
3.65%
10 Month
Min Deposit$500
Min Balance$500
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
48 month Certificate of Deposit
0.65%
0.65%
48 months
Min Deposit$500
Min Balance$500
Last Updated10/11/2026
Rate History
No change since Sep 24, 2026 · 0.65% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
48 month Individual Retirement Account (IRA)
0.65%
0.65%
48 months
Min Deposit$500
Min Balance$500
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 0.65% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
36 month Certificate of Deposit
0.50%
0.50%
36 months
Min Deposit$500
Min Balance$500
Last Updated10/11/2026
Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
36 month Individual Retirement Account (IRA)
0.50%
0.50%
36 months
Min Deposit$500
Min Balance$500
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 0.50% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
30 month Certificate of Deposit
0.45%
0.45%
30 months
Min Deposit$500
Min Balance$500
Last Updated10/11/2026
Rate History
No change since Sep 24, 2026 · 0.45% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
30 month Individual Retirement Account (IRA)
0.45%
0.45%
30 months
Min Deposit$500
Min Balance$500
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 0.45% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
24 month Certificate of Deposit
0.40%
0.40%
24 months
Min Deposit$500
Min Balance$500
Last Updated10/11/2026
Rate History
No change since Sep 24, 2026 · 0.40% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
24 month Individual Retirement Account (IRA)
0.40%
0.40%
24 months
Min Deposit$500
Min Balance$500
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 0.40% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
18 month Certificate of Deposit
0.30%
0.30%
18 months
Min Deposit$500
Min Balance$500
Last Updated10/11/2026
Rate History
No change since Sep 24, 2026 · 0.30% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
18 month Individual Retirement Account (IRA)
0.30%
0.30%
18 months
Min Deposit$500
Min Balance$500
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 0.30% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
12 month Certificate of Deposit
0.25%
0.25%
12 months
Min Deposit$500
Min Balance$500
Last Updated10/11/2026
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
12 month Individual Retirement Account (IRA)
0.25%
0.25%
12 months
Min Deposit$500
Min Balance$500
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 0.25% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
6 month Certificate of Deposit
0.20%
0.20%
6 months
Min Deposit$500
Min Balance$500
Last Updated10/11/2026
Rate History
No change since Sep 24, 2026 · 0.20% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
6 month Individual Retirement Account (IRA)
0.20%
0.20%
6 months
Min Deposit$500
Min Balance$500
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 0.20% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Stoughton Co-operative Bank Savings Rates
Product
Rate
APY
View More
Christmas Club
0.50%
0.50%
Min Deposit$10
Min Balance$10
Last Updated10/11/2026
Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Vacation Club
0.50%
0.50%
Min Deposit$10
Min Balance$10
Last Updated10/11/2026
Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Passbook Savings
0.025%
0.025%
Min Deposit$10
Min Balance$10
Last Updated10/11/2026
Rate History
No change since Sep 24, 2026 · 0.03% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Statement Savings
0.025%
0.025%
Min Deposit$50
Min Balance$10
Last Updated10/11/2026
Rate History
No change since Sep 24, 2026 · 0.03% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Stoughton Co-operative Bank Money Market Rates
Product
Rate
APY
View More
Money Market Account
0.15%
0.15%
Min Deposit$2,500
Min Balance$2,500
Last Updated10/11/2026
Rate History
No change since Sep 24, 2026 · 0.15% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Money Market Account
0.01%
0.01%
Min Deposit$2,500
Min Balance$25
Last Updated10/11/2026
Rate History
No change since Sep 24, 2026 · 0.01% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Stoughton Co-operative Bank Checking Rates
Product
Rate
APY
View More
NOW Checking
0.01%
0.01%
Min Deposit$100
Min Balance$10
Last Updated10/11/2026
Rate History
No change since Sep 24, 2026 · 0.01% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Stoughton Co-operative Bank Mortgage Rates
Product
Rate
Points
APR
Term
View More
Mortgage - 20 Year Conforming
5.75%
2
6.102%
20 Years
No additional details.
Last Updated10/11/2026
Rate History
2 changes since Sep 24, 2026 · 5.72% → 6.10% ▲ 0.38 pts · high 6.10% / low 5.72%
Oct 3, 20266.10%▲ from 6.03%
Sep 27, 20266.03%▲ from 5.72%
Sep 24, 20265.72%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Mortgage - 15 Year Conforming
5.675%
2
6.118%
15 Years
No additional details.
Last Updated10/11/2026
Rate History
2 changes since Sep 24, 2026 · 5.56% → 6.12% ▲ 0.56 pts · high 6.12% / low 5.56%
Oct 3, 20266.12%▲ from 5.94%
Sep 27, 20265.94%▲ from 5.56%
Sep 24, 20265.56%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Mortgage - 10 Year Conforming
5.50%
2
6.125%
10 Years
No additional details.
Last Updated10/11/2026
Rate History
2 changes since Sep 24, 2026 · 5.74% → 6.13% ▲ 0.38 pts · high 6.13% / low 5.74%
Oct 3, 20266.13%▲ from 6.00%
Sep 27, 20266.00%▲ from 5.74%
Sep 24, 20265.74%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Mortgage - 10 Year Conforming
5.75%
1
6.152%
10 Years
No additional details.
Last Updated10/11/2026
Rate History
2 changes since Sep 24, 2026 · 5.64% → 6.15% ▲ 0.51 pts · high 6.15% / low 5.64%
Oct 3, 20266.15%▲ from 6.03%
Sep 27, 20266.03%▲ from 5.64%
Sep 24, 20265.64%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Mortgage - 15 Year Conforming
5.875%
1
6.161%
15 Years
No additional details.
Last Updated10/11/2026
Rate History
2 changes since Sep 24, 2026 · 5.65% → 6.16% ▲ 0.51 pts · high 6.16% / low 5.65%
Oct 3, 20266.16%▲ from 6.03%
Sep 27, 20266.03%▲ from 5.65%
Sep 24, 20265.65%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Mortgage - 10 Year Conforming
6.00%
0
6.181%
10 Years
No additional details.
Last Updated10/11/2026
Rate History
2 changes since Sep 24, 2026 · 5.68% → 6.18% ▲ 0.51 pts · high 6.18% / low 5.68%
Oct 3, 20266.18%▲ from 6.06%
Sep 27, 20266.06%▲ from 5.68%
Sep 24, 20265.68%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Mortgage - 20 Year Conforming
6.00%
1
6.229%
20 Years
No additional details.
Last Updated10/11/2026
Rate History
2 changes since Sep 24, 2026 · 5.72% → 6.23% ▲ 0.51 pts · high 6.23% / low 5.72%
Oct 3, 20266.23%▲ from 6.10%
Sep 27, 20266.10%▲ from 5.72%
Sep 24, 20265.72%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Mortgage - 15 Year Conforming
6.125%
0
6.254%
15 Years
No additional details.
Last Updated10/11/2026
Rate History
2 changes since Sep 24, 2026 · 5.75% → 6.25% ▲ 0.50 pts · high 6.25% / low 5.75%
Oct 3, 20266.25%▲ from 6.13%
Sep 27, 20266.13%▲ from 5.75%
Sep 24, 20265.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Mortgage - 30 Year Conforming
6.00%
2
6.269%
30 Years
No additional details.
Last Updated10/11/2026
Rate History
2 changes since Sep 24, 2026 · 5.89% → 6.27% ▲ 0.38 pts · high 6.27% / low 5.89%
Oct 3, 20266.27%▲ from 6.14%
Sep 27, 20266.14%▲ from 5.89%
Sep 24, 20265.89%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Mortgage - 20 Year Conforming
6.25%
0
6.354%
20 Years
No additional details.
Last Updated10/11/2026
Rate History
2 changes since Sep 24, 2026 · 5.85% → 6.35% ▲ 0.50 pts · high 6.35% / low 5.85%
Oct 3, 20266.35%▲ from 6.23%
Sep 27, 20266.23%▲ from 5.85%
Sep 24, 20265.85%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Mortgage - 30 Year Conforming
6.25%
1
6.425%
30 Years
No additional details.
Last Updated10/11/2026
Rate History
2 changes since Sep 24, 2026 · 5.92% → 6.43% ▲ 0.51 pts · high 6.43% / low 5.92%
Oct 3, 20266.43%▲ from 6.30%
Sep 27, 20266.30%▲ from 5.92%
Sep 24, 20265.92%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
5/1 Year ARM 2/6 Caps
5.75%
0
6.483%
30 Years
DetailsMonths 1 to 60:; Months 61 to 72:; Months 73 - 360:; Margin: 2.875%; Index: 4.05%
Last Updated10/11/2026
Rate History
2 changes since Sep 15, 2026 · 6.39% → 6.48% ▲ 0.10 pts · high 6.48% / low 6.39%
Oct 3, 20266.48%▲ from 6.44%
Sep 27, 20266.44%▲ from 6.39%
Sep 15, 20266.39%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Mortgage - 30 Year Conforming
6.50%
0
6.581%
30 Years
No additional details.
Last Updated10/11/2026
Rate History
2 changes since Sep 24, 2026 · 6.07% → 6.58% ▲ 0.52 pts · high 6.58% / low 6.07%
Oct 3, 20266.58%▲ from 6.46%
Sep 27, 20266.46%▲ from 6.07%
Sep 24, 20266.07%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
3/3 Year ARM 2/6 Caps
6.75%
0
6.926%
30 Years
DetailsMonths 1 to 36:; Months 37 to 359:; Months 360:; Margin: 3.875%; Index: 4.05%
Last Updated10/11/2026
Rate History
No change since Oct 3, 2026 · 6.93% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
First Time HomeBuyer 5/3 ARM 2/6 Caps
5.75%
0
7.02%
30 Years
DetailsMonths 1 to 60:; Months 61 to 96:; Months 97 -360:; Margin: 3.875%; Index: 4.31%
Last Updated10/11/2026
Rate History
2 changes since Sep 15, 2026 · 6.56% → 7.02% ▲ 0.46 pts · high 7.02% / low 6.56%
Oct 3, 20267.02%▲ from 6.61%
Sep 27, 20266.61%▲ from 6.56%
Sep 15, 20266.56%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Stoughton Co-operative Bank Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Equity Reserve
5.75%
-
6.00%
10 years
DetailsIntroductory Rate: 5.75% APR* for the first 9 Months; Variable Rate based on Prime minus 1.00% APR; Maximum LTV is 70%; Accessible via check with a minimum check amount of $500.; Minimum APR of 4.500% Maximum APR 18.00%; $50 annual fee (or $25 with autopay from a Stoughton Co-Operative Bank account). $500 early termination fee.; Interest-only payments for the initial 10-year draw period, with additional 10-year payback of principal & interest.
Last Updated10/11/2026
Rate History
1 change since Sep 24, 2026 · 5.75% → 6.00% ▲ 0.25 pts · high 6.00% / low 5.75%
Oct 3, 20266.00%▲ from 5.75%
Sep 24, 20265.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Home Equity Better Equity
5.74%
-
6.50%
10 years
DetailsIntroductory Rate: 5.74% APR* for the first 9 Months; Variable Rate based on Prime minus .50% APR; Maximum LTV is 80% **; Accessible via check with a minimum check amount of $500.; Minimum APR of 4.500% Maximum APR 18.00%; $50 annual fee (or $25 with autopay from a Stoughton Co-Operative Bank account). $500 early termination fee.; Interest plus .50% principal payments for initial 10-year draw period, with additional 10-year payback of principal & interest.
Last Updated10/11/2026
Rate History
1 change since Sep 24, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25%
Oct 3, 20266.50%▲ from 6.25%
Sep 24, 20266.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Stoughton Co-operative Bank Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Auto Loans - New
-
-
4.99%
Up to 60 months
DetailsVehicle Years: 2025 - 2026
Last Updated10/11/2026
Rate History
No change since Sep 15, 2026 · 4.99% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Auto Loans - Used
-
-
5.49%
Up to 60 months
DetailsVehicle Years: 2022 - 2025
Last Updated10/11/2026
Rate History
No change since Sep 15, 2026 · 5.49% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Auto Loans - New
-
-
5.50%
72 months
DetailsVehicle Years: 2025 - 2026
Last Updated10/11/2026
Rate History
No change since Sep 15, 2026 · 5.50% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Auto Loans - Used
-
-
5.74%
Up to 60 months
DetailsVehicle Years: 2018 - 2021
Last Updated10/11/2026
Rate History
No change since Sep 15, 2026 · 5.74% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Auto Loans - Used
-
-
5.99%
72 months
DetailsVehicle Years: 2022 - 2025
Last Updated10/11/2026
Rate History
No change since Sep 15, 2026 · 5.99% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Auto Loans - New
-
-
6.24%
84 months
DetailsVehicle Years: 2025 - 2026
Last Updated10/11/2026
Rate History
No change since Sep 15, 2026 · 6.24% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Auto Loans - Used
-
-
6.99%
84 months
DetailsVehicle Years: 2022 - 2025
Last Updated10/11/2026
Rate History
No change since Sep 15, 2026 · 6.99% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Auto Loans - Used
-
-
6.99%
36 months
DetailsVehicle Years: 2016 - 2017
Last Updated10/11/2026
Rate History
No change since Sep 15, 2026 · 6.99% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Stoughton Co-operative Bank Personal Loan Rates
Product
APR
Term
View More
Personal Loans
11.99%
2 Years
No additional details.
Last Updated10/11/2026
Rate History
No change since Sep 15, 2026 · 11.99% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Personal Loans
16.99%
3 Years
No additional details.
Last Updated10/11/2026
Rate History
No change since Sep 15, 2026 · 16.99% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Financial Health History
Stoughton Co-operative Bank’s Texas Ratio fell from 1.54% in Q3 2023 to 0.00% in Q2 2026, so its financial health has improved and is now 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
$135M
0.00%
5.0
A+
March 31, 2026
$134M
0.00%
5.0
A+
December 31, 2025
$135M
0.00%
5.0
A+
September 30, 2025
$135M
0.00%
5.0
A+
June 30, 2025
$131M
1.26%
5.0
A+
March 31, 2025
$133M
1.29%
5.0
A+
December 31, 2024
$131M
1.33%
5.0
A+
September 30, 2024
$130M
1.33%
5.0
A+
June 30, 2024
$126M
1.41%
5.0
A+
March 31, 2024
$126M
1.44%
5.0
A+
December 31, 2023
$124M
1.45%
5.0
A+
September 30, 2023
$123M
1.54%
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 Stoughton 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 Stoughton 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 Stoughton Co-operative Bank's official website for the most current offers and terms.
Bank Profile & Overview
Institution NameStoughton Co-operative Bank
FDIC Certificate #26513
Address
950 Park St,
Stoughton, MA 02072 · Norfolk
Stoughton Co-operative Bank earned the Verified Healthy badge
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Frequently Asked Questions About Stoughton Co-operative Bank
How many branches does Stoughton Co-operative Bank operate?
Stoughton Co-operative Bank currently maintains approximately 1 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, Stoughton 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, Stoughton Co-operative Bank provides members with tools to manage their accounts and build a solid financial history.
Does Stoughton Co-operative Bank offer online and mobile banking?
Most modern institutions like Stoughton 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.stoughtoncoop.bank.
Current Stoughton Co-operative Bank Rates
12-Month CD0.25%
18-Month CD0.30%
24-Month CD0.40%
36-Month CD0.50%
48-Month CD0.65%
Savings0.025%
MMA0.15%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
