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

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

3 Great Ways to Earn More

ProgramsInterest RateAPY*Minimum daily balance to obtain APY
6 Month Term Deposit Certificate(1)4.41%4.50%$10.00
Co-operative Select Savings Account(2)3.68%3.75%$500,000.01 and above
3.01%3.05%$2,500.00 - $500,000.00
1.00%1.00%$10.00 - $2,499.99
Money Market Deposit Account(2)2.71%2.75%$10.00
*Annual Percentage Yield (APY) effective 11/01/2024 and subject to change. Fees charged could reduce earnings on an account. 1. Penalty may be applied on funds withdrawn prior to maturity for all term deposit certificates. Minimum deposit to open $500.00. 2. Variable rate account. The rate may change after the account is opened. Minimum deposit to open $1.00.

Checking and Savings Accounts

AccountInterest RateAPY**
Co-operative Checking Account0.10%0.10%
Money Market Deposit Account2.71%2.75%
Statement Savings Account1.00%1.00%
Club Savings Account1.00%1.00%
Passbook Savings Account1.00%1.00%
**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

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 Penalty may be applied on funds withdrawn prior to maturity for all term deposit certificates.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 $10.00. Minimum deposit to open is $500.00

Traditional/Roth IRA Term Deposit Certificates (TDC)

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 Penalty may be applied on funds withdrawn prior to maturity for all term deposit certificates.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 $10.00. Minimum deposit to open 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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