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

Current rates for Winchester Co-operative Bank include: 12-Month CD: 4.15%, 18-Month CD: 4.15%, 24-Month CD: 4.30%, 36-Month CD: 4.30%, Savings: 3.00%, MMA: 2.75%

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Winchester Co-operative Bank

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Winchester Co-operative Bank Rates & Review October 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 11, 2026

Winchester Co-operative Bank's top rates as of October 11, 2026 are 4.30% APY on its 24-Month IRA TDC CD, 3.00% APY on savings, 2.75% APY on money market accounts, 0.10% APY on checking, and 5.625% on its Adjustable Rate First Mortgages (ARM) - 3/3 ARM, according to rates verified by MonitorBankRates. Other Winchester Co-operative Bank CD rates include 24-Month TDC at 4.30%, 30-Month IRA TDC at 4.30%, and 30-Month TDC at 4.30%. Other Winchester Co-operative Bank mortgage rates include Fixed Rate First Mortgages - 10 Year Fixed at 6.00%, Fixed Rate First Mortgages - 15 Year Fixed at 6.625%, and Adjustable Rate First Mortgages (ARM) - 7/5 ARM at 6.00%. 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 2.71%. Rates last updated and verified on 10/11/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.71%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Winchester Co-operative Bank

19 Church St
Winchester, MA 01890

https://www.wcbonline.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.

Winchester Co-operative Bank CD Rates

Product	Rate	APY	Term
24 Month IRA TDC	4.22%	4.30%	24 Month
No additional details. Last Updated 10/11/2026 Rate History 1 change since Sep 24, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10% Oct 3, 20264.30%▲ from 4.10% Sep 24, 20264.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
24 Month TDC	4.22%	4.30%	24 Month
No additional details. Last Updated 10/11/2026 Rate History 1 change since Sep 24, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10% Oct 3, 20264.30%▲ from 4.10% Sep 24, 20264.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
30 Month IRA TDC	4.22%	4.30%	30 Month
No additional details. Last Updated 10/11/2026 Rate History 1 change since Sep 24, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10% Oct 3, 20264.30%▲ from 4.10% Sep 24, 20264.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
30 Month TDC	4.22%	4.30%	30 Month
No additional details. Last Updated 10/11/2026 Rate History 1 change since Sep 24, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10% Oct 3, 20264.30%▲ from 4.10% Sep 24, 20264.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
36 Month IRA TDC	4.22%	4.30%	36 Month
No additional details. Last Updated 10/11/2026 Rate History 1 change since Sep 24, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10% Oct 3, 20264.30%▲ from 4.10% Sep 24, 20264.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
36 Month TDC	4.22%	4.30%	36 Month
No additional details. Last Updated 10/11/2026 Rate History 1 change since Sep 24, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10% Oct 3, 20264.30%▲ from 4.10% Sep 24, 20264.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Traditional 24 Month IRA TDC	4.22%	4.30%	24 Month
Details Traditional/Roth IRA Term Deposit Certificates (TDC) Last Updated 10/11/2026 Rate History 1 change since Sep 24, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10% Oct 3, 20264.30%▲ from 4.10% Sep 24, 20264.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Traditional 30 Month IRA TDC	4.22%	4.30%	30 Month
Details Traditional/Roth IRA Term Deposit Certificates (TDC) Last Updated 10/11/2026 Rate History 1 change since Sep 24, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10% Oct 3, 20264.30%▲ from 4.10% Sep 24, 20264.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Traditional 36 Month IRA TDC	4.22%	4.30%	36 Month
Details Traditional/Roth IRA Term Deposit Certificates (TDC) Last Updated 10/11/2026 Rate History 1 change since Sep 24, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10% Oct 3, 20264.30%▲ from 4.10% Sep 24, 20264.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
12 Month IRA TDC	4.07%	4.15%	12 Month
No additional details. Last Updated 10/11/2026 Rate History 1 change since Sep 24, 2026 · 4.05% → 4.15% ▲ 0.10 pts · high 4.15% / low 4.05% Oct 3, 20264.15%▲ from 4.05% Sep 24, 20264.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
12 Month TDC	4.07%	4.15%	12 Month
No additional details. Last Updated 10/11/2026 Rate History 1 change since Sep 24, 2026 · 4.05% → 4.15% ▲ 0.10 pts · high 4.15% / low 4.05% Oct 3, 20264.15%▲ from 4.05% Sep 24, 20264.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
18 Month IRA TDC	4.07%	4.15%	18 Month
No additional details. Last Updated 10/11/2026 Rate History 1 change since Sep 24, 2026 · 4.05% → 4.15% ▲ 0.10 pts · high 4.15% / low 4.05% Oct 3, 20264.15%▲ from 4.05% Sep 24, 20264.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
18 Month TDC	4.07%	4.15%	18 Month
No additional details. Last Updated 10/11/2026 Rate History 1 change since Sep 24, 2026 · 4.05% → 4.15% ▲ 0.10 pts · high 4.15% / low 4.05% Oct 3, 20264.15%▲ from 4.05% Sep 24, 20264.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Traditional 12 Month IRA TDC	4.07%	4.15%	12 Month
Details Traditional/Roth IRA Term Deposit Certificates (TDC) Last Updated 10/11/2026 Rate History 1 change since Sep 24, 2026 · 4.05% → 4.15% ▲ 0.10 pts · high 4.15% / low 4.05% Oct 3, 20264.15%▲ from 4.05% Sep 24, 20264.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Traditional 18 Month IRA TDC	4.07%	4.15%	18 Month
Details Traditional/Roth IRA Term Deposit Certificates (TDC) Last Updated 10/11/2026 Rate History 1 change since Sep 24, 2026 · 4.05% → 4.15% ▲ 0.10 pts · high 4.15% / low 4.05% Oct 3, 20264.15%▲ from 4.05% Sep 24, 20264.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
6 Month TDC	3.83%	3.90%	6 Month
No additional details. Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 3.90% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
6 Month Term Deposit Certificate	3.83%	3.90%	6 Month
Min Balance $10 Details Balance: $10.00; (1) Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 3.90% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%

Winchester Co-operative Bank Business CD Rates

Product	Rate	APY	Term
Business 24 Month TDC	4.22%	4.30%	24 Month
No additional details. Last Updated 10/11/2026 Rate History 1 change since Sep 24, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10% Oct 3, 20264.30%▲ from 4.10% Sep 24, 20264.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Business 30 Month TDC	4.22%	4.30%	30 Month
No additional details. Last Updated 10/11/2026 Rate History 1 change since Sep 24, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10% Oct 3, 20264.30%▲ from 4.10% Sep 24, 20264.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Business 36 Month TDC	4.22%	4.30%	36 Month
No additional details. Last Updated 10/11/2026 Rate History 1 change since Sep 24, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10% Oct 3, 20264.30%▲ from 4.10% Sep 24, 20264.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Business 12 Month TDC	4.07%	4.15%	12 Month
No additional details. Last Updated 10/11/2026 Rate History 1 change since Sep 24, 2026 · 4.05% → 4.15% ▲ 0.10 pts · high 4.15% / low 4.05% Oct 3, 20264.15%▲ from 4.05% Sep 24, 20264.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Business 18 Month TDC	4.07%	4.15%	18 Month
No additional details. Last Updated 10/11/2026 Rate History 1 change since Sep 24, 2026 · 4.05% → 4.15% ▲ 0.10 pts · high 4.15% / low 4.05% Oct 3, 20264.15%▲ from 4.05% Sep 24, 20264.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Business 6 Month TDC	3.83%	3.90%	6 Month
No additional details. Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 3.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%

Winchester Co-operative Bank Savings Rates

Product	Rate	APY
Co-operative Select Savings Account	2.96%	3.00%
Min Balance $500,000 Details Balance: $500,000.01 and above; (2) Last Updated 10/11/2026 Rate History 1 change since Sep 24, 2026 · 2.75% → 3.00% ▲ 0.25 pts · high 3.00% / low 2.75% Oct 3, 20263.00%▲ from 2.75% Sep 24, 20262.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Co-operative Select Savings Account	2.38%	2.40%
Min Balance $2,500 Details Balance: $2,500.00 - $500,000.00; (2) Last Updated 10/11/2026 Rate History 1 change since Sep 24, 2026 · 2.25% → 2.40% ▲ 0.15 pts · high 2.40% / low 2.25% Oct 3, 20262.40%▲ from 2.25% Sep 24, 20262.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Club Savings Account	1.00%	1.00%
No additional details. Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Co-operative Select Savings Account	1.00%	1.00%
Min Balance $10 Details Balance: $10.00 - $2,499.99; (2) Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Passbook Savings Account	1.00%	1.00%
No additional details. Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Statement Savings Account	1.00%	1.00%
No additional details. Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%

Winchester Co-operative Bank Business Savings Rates

Product	Rate	APY	View More
Business Savings Account	1.00%	1.00%
Min Balance $10 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%

Winchester Co-operative Bank Money Market Rates

Product	Rate	APY	View More
Money Market Deposit Account	2.28%	2.30%
Min Balance $10 Details Balance: $10.00; (2) Last Updated 10/11/2026 Rate History 1 change since Sep 24, 2026 · 2.15% → 2.30% ▲ 0.15 pts · high 2.30% / low 2.15% Oct 3, 20262.30%▲ from 2.15% Sep 24, 20262.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%

Winchester Co-operative Bank Business Money Market Rates

Product	Rate	APY
Business Money Market	2.71%	2.75%
Min Balance $500,000 Details Balance: $500,000.01 and above Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 2.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Business Money Market	2.47%	2.50%
Min Balance $5,000 Details Balance: $5,000.00 - $500,000.00 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 2.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%

Winchester Co-operative Bank Checking Rates

Product	Rate	APY	View More
Co-operative Checking Account	0.10%	0.10%
No additional details. Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%

Winchester Co-operative Bank Mortgage Rates

Product	Rate	Points	APR	Term
Fixed Rate First Mortgages - 10 Year Fixed	6.00%	0	6.028%	10 years
No additional details. Last Updated 10/11/2026 Rate History 1 change since Sep 24, 2026 · 5.53% → 6.03% ▲ 0.50 pts · high 6.03% / low 5.53% Oct 1, 20266.03%▲ from 5.53% Sep 24, 20265.53%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Fixed Rate First Mortgages - 15 Year Fixed	6.625%	0	6.645%	15 years
No additional details. Last Updated 10/11/2026 Rate History 1 change since Sep 24, 2026 · 6.27% → 6.65% ▲ 0.38 pts · high 6.65% / low 6.27% Oct 1, 20266.65%▲ from 6.27% Sep 24, 20266.27%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Adjustable Rate First Mortgages (ARM) - 7/5 ARM	6.00%	0	6.733%	30 Years
Details Months 1 - 84: $6.00; Months 85 - 360: $6.83 Last Updated 10/11/2026 Rate History 3 changes since Sep 15, 2026 · 6.31% → 6.73% ▲ 0.42 pts · high 6.73% / low 6.31% Oct 11, 20266.73%▲ from 6.67% Oct 1, 20266.67%▲ from 6.43% Sep 24, 20266.43%▲ from 6.31% Sep 15, 20266.31%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Adjustable Rate First Mortgages (ARM) - 5/5 ARM	5.75%	0	6.81%	30 Years
Details Months 1 - 60: $5.84; Months 61 - 360: $6.86 Last Updated 10/11/2026 Rate History 3 changes since Sep 15, 2026 · 6.35% → 6.81% ▲ 0.46 pts · high 6.81% / low 6.35% Oct 11, 20266.81%▲ from 6.74% Oct 1, 20266.74%▲ from 6.49% Sep 24, 20266.49%▲ from 6.35% Sep 15, 20266.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Fixed Rate First Mortgages - 20 Year Fixed	6.875%	0	6.891%	20 years
No additional details. Last Updated 10/11/2026 Rate History 1 change since Sep 24, 2026 · 6.52% → 6.89% ▲ 0.38 pts · high 6.89% / low 6.52% Oct 1, 20266.89%▲ from 6.52% Sep 24, 20266.52%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Fixed Rate First Mortgages - 30 Year Fixed	7.00%	0	7.013%	30 years
No additional details. Last Updated 10/11/2026 Rate History 1 change since Sep 24, 2026 · 6.76% → 7.01% ▲ 0.25 pts · high 7.01% / low 6.76% Oct 1, 20267.01%▲ from 6.76% Sep 24, 20266.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Adjustable Rate First Mortgages (ARM) - 3/3 ARM	5.625%	0	7.02%	30 Years
Details Months 1 - 36: $5.76; Months 37 - 360: $6.91 Last Updated 10/11/2026 Rate History 3 changes since Sep 15, 2026 · 6.41% → 7.02% ▲ 0.61 pts · high 7.02% / low 6.41% Oct 11, 20267.02%▲ from 6.93% Oct 1, 20266.93%▲ from 6.59% Sep 24, 20266.59%▲ from 6.41% Sep 15, 20266.41%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%

Winchester Co-operative Bank Other Rates

Product	Rate	Points	APY/APR	Term
91 Day TDC	3.45%	-	3.50%	91 Day
Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%
Business 91 Day TDC	3.45%	-	3.50%	91 Day
Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.71%

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

Winchester Co-operative Bank’s Texas Ratio fell from 4.21% in Q3 2023 to 2.71% 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	$947M	2.71%	5.0	A+
March 31, 2026	$932M	3.05%	5.0	A+
December 31, 2025	$907M	3.82%	5.0	A+
September 30, 2025	$890M	5.12%	5.0	A+
June 30, 2025	$881M	4.49%	5.0	A+
March 31, 2025	$874M	3.02%	5.0	A+
December 31, 2024	$852M	3.28%	5.0	A+
September 30, 2024	$841M	3.43%	5.0	A+
June 30, 2024	$832M	2.90%	5.0	A+
March 31, 2024	$795M	2.38%	5.0	A+
December 31, 2023	$775M	2.11%	5.0	A+
September 30, 2023	$770M	4.21%	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 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 18930101

FDIC Insurance Date 19880422

Domestic Offices 2

Total Branches 2

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

2.71%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.6090%

Return on Equity (ROE) 5.2100%

Non-Performing Loans (NPL) 0.31%

Total Assets $946,884,000

Total Deposits $773,766,000

Equity Capital $109,956,000

Net Income $2,828,000

Headquarters Winchester

Total Branches and Offices 2

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Winchester Co-operative Bank earned the Verified Healthy badge

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Frequently Asked Questions About Winchester Co-operative Bank

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.