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 Winchester Co-operative Bank Rates & Review April 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.
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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: April 17, 2026
Winchester Co-operative Bank's 6-Month Business Term Deposit Certificates (TDC) rates are at 3.90%, 6-Month Term Deposit Certificate rates are at 3.90%, 6-Month Term Deposit Certificates (TDC) rates are at 3.90%, 12-Month Business Term Deposit Certificates (TDC) rates are at 3.75%, 12-Month Term Deposit Certificates (TDC) rates are at 3.75%. Winchester Co-operative Bank's savings rates are at 1.00%. Winchester Co-operative Bank's money market rates are at 2.15%. Winchester Co-operative Bank's 10 Year Fixed rates are at 5.25%, 15 Year Fixed rates are at 5.75%, 5/5 ARM rates are at 5.50%, 7/5 ARM rates are at 5.75%, 3/3 ARM rates are at 5.38%. MonitorBankRates evaluates the financial stability of Winchester Co-operative Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.21%. Rates were last updated on 04/17/2026. Winchester 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 Winchester Co-operative Bank? Share your experience about Winchester Co-operative Bank by leaving a review below, or read customer reviews before you decide to use Winchester Co-operative Bank. 
Winchester Co-operative Bank CD Rates
Winchester Co-operative Bank Savings Rates
Winchester Co-operative Bank Money Market Rates
Winchester Co-operative Bank Checking Rates
Winchester Co-operative Bank Mortgage Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Winchester 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 Winchester 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 Winchester Co-operative Bank's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Winchester Co-operative Bank
FDIC Certificate #
27238
Address
19 Church St,
Winchester, MA 01890 · Middlesex
Website
https://www.wcbonline.com
Established
01/01/1893
FDIC Insurance Date
04/22/1988
Domestic Offices
2
Total Branches
2
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 98/100
5.0
Exceptional
Out of 5.0 Stars
4.21%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.2860%
Return on Equity (ROE)
2.1700%
Non-Performing Loans (NPL)
0.47%
Total Assets
$907,444,000
Total Deposits
$736,930,000
Equity Capital
$107,128,000
Net Income
$4,123,000
Headquarters
Winchester
Total Offices
2
Source: FDIC | Last Updated 12/31/2025
Frequently Asked Questions About Winchester Co-operative BankIs Winchester Co-operative Bank a safe place to deposit money?Yes, Winchester Co-operative Bank is considered a safe financial institution. With a Texas Ratio of 4.2092817026308%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category. How many branches does Winchester Co-operative Bank operate?Winchester Co-operative Bank currently maintains approximately 2 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, Winchester 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, Winchester Co-operative Bank provides members with tools to manage their accounts and build a solid financial history. Does Winchester Co-operative Bank offer online and mobile banking?Most modern institutions like Winchester 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.wcbonline.com. Current Winchester Co-operative Bank Rates
Retrieved from our database of financial products. Rates subject to change.
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