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Depositors Insurance Fund (DIF) insures all deposit amounts over FDIC limits.
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Business Deposit Rates

For more information about any of our deposit products, contact a member of our team.

Business Money Market

Interest RateAPY*Minimum Daily Balance to obtain APY
2.47%2.50%$5,000.00 - $500,000.00
2.71%2.75%$500,000.01 and above
*Annual Percentage Yield (APY) effective 12/20/2024 and subject to change. Variable rate accounts. The rate may change after the account is opened. Fees charged could reduce earnings on an account. Minimum deposit to open $5,000.00.

Business Savings Account

Interest RateAPY**Minimum daily balance to obtain APY
1.00%1.00% $10.00
**Annual Percentage Yield (APY) effective 12/20/2024 and subject to change. Variable rate accounts. The rate may change after the account is opened. Fees charged could reduce earnings on an account. Minimum deposit to open $1.00. Minimum daily balance to obtain APY $10.00.

Business Term Deposit Certificates (TDC)

TermInterest RateAPY***
91 Day TDC3.93%4.00%
6 Month TDC3.97%4.05%
12 Month TDC3.83%3.90%
18 Month TDC3.83%3.90%
24 Month TDC3.69%3.75%
30 Month TDC3.69%3.75%
36 Month TDC3.69%3.75%
***Annual Percentage Yield (APY) effective 12/20/2024 and subject to change. Penalty may be applied on funds withdrawn prior to maturity for all term deposit certificates. Fees charged could reduce earnings on an account. Minimum daily balance to obtain APY $10. Minimum deposit to open Term Deposit Certificates is $500.00

Simplified Employee Pension (SEP) IRAs

TermInterest RateAPY****
12 Month IRA TDC3.83%3.90%
18 Month IRA TDC3.83%3.90%
24 Month IRA TDC3.69%3.75%
30 Month IRA TDC3.69%3.75%
36 Month IRA TDC3.69%3.75%
****Annual Percentage Yield (APY) effective 12/20/2024 and subject to change. Penalty may be applied on funds withdrawn prior to maturity for all term deposit certificates. Fees charged could reduce earnings on an account. Minimum daily balance to obtain APY is $10.00. Minimum deposit to open SEP IRA Term Deposit Certificate is $1.00.

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Winchester Co-operative Bank
Banking Your Way

Founded in 1893, Winchester Co-operative Bank is a mutually owned, state-chartered, co-operative bank dedicated to meeting the financial needs of individuals, families, and businesses in Winchester, Woburn, and surrounding communities.

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19 Church Street
Winchester, MA 01890
(781) 729-3620

Routing # 211371573

Equal Housing Lender

Member FDIC
Member DIF
NMLS# 466036

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