FDIC
FDIC-Insured – Backed by the full faith and credit of the U.S. Government.
Depositors Insurance Fund (DIF) insures all deposit amounts over FDIC limits.
ONLINE BANKING
Savings Calculator
Deposit Insurance

Resources

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 11/01/2024 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 11/01/2024 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 TDC4.12%4.20%
6 Month TDC4.41%4.50%
12 Month TDC3.97%4.05%
18 Month TDC3.97%4.05%
24 Month TDC3.93%4.00%
30 Month TDC3.93%4.00%
36 Month TDC3.93%4.00%
***Annual Percentage Yield (APY) effective 11/01/2024 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 Penalty may be applied on funds withdrawn prior to maturity for all term deposit certificates.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 TDC3.97%4.05%
18 Month IRA TDC3.97%4.05%
24 Month IRA TDC3.93%4.00%
30 Month IRA TDC3.93%4.00%
36 Month IRA TDC3.93%4.00%
****Annual Percentage Yield (APY) effective 11/01/2024 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 Penalty may be applied on funds withdrawn prior to maturity for all term deposit certificates.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.

Ready to bank your way?

Find out how Winchester Co-operative Bank can help you bank your way.

Visit one of our offices

Use our contact form

Call (781) 729-3620

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.

Facebook Linkedin

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

Routing # 211371573

Equal Housing Lender

Member FDIC
Member DIF
NMLS# 466036

ABOUT

quick links

Mobile banking app

Download on the App Store
Get it on Google Play

All trademarks and logos are owned by their registered companies.
Apple, the Apple logo, Apple Pay, App Store, Macintosh and Safari are registered trademarks of Apple, Inc.; Android, Google Pay, Google Play and the Google Play logo are trademarks of Google LLC.; Mozilla and Firefox are trademarks of the Mozilla Foundation; QuickBooks is a registered trademark of Intuit Inc.; Microsoft, Internet Explorer, and Windows are trademarks of the Microsoft group of companies.

© Winchester Co-operative Bank, 2024. All Rights Reserved.

You are now leaving Winchester Co-operative Bank

Winchester Co-operative Bank provides links to web sites of other organizations in order to provide visitors with certain information. A link does not constitute an endorsement of content, viewpoint, policies, products or services of that web site. Once you link to another web site not maintained by Winchester Co-operative Bank, you are subject to the terms and conditions of that web site, including but not limited to its privacy policy.

You will be redirected to

Click the link above to continue or CANCEL

Don`t copy text!