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Overview / Commentary
978-632-0171
6 City Hall Avenue
Gardner, MA 01440

Colonial Co-operative Bank is headquartered in Gardner and is the 123rd largest bank in the state of Massachusetts. It is also the 4,849th largest bank in the nation. It was established in 1915 and as of December of 2017, it had grown to 22 employees at 2 locations. Colonial Co-operative Bank has a C- health rating.

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Reviews (2)

Rate Drops To 2.25% 11/13/2012

Posted by: jranson | Nov 13, 2012

Rate Drops to 2.25% 11/13/2012 and you must sign up in person and live within a few MA counties.

What An Awful Organization

Posted by: jcs | Jun 8, 2015

The way these guys do business is awful, do yourself a favor and use a real bank.



Health
C-
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Colonial Co-operative Bank has a relatively low asset base.

Health Grade Components

Overall
FDIC Certificate #26556
Year Established1915
Employees22
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD-0.44%
Return on Equity - YTD-5.42%
Annual Interest Income$2.7MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$66.8MM$69.5MM
LoansQ4 2017vs Q4 2016$56.6MM$59.6MM
DepositsQ4 2017vs Q4 2016$61.1MM$63.4MM
Equity CapitalQ4 2017vs Q4 2016$5.3MM$5.6MM
Loan Loss AllowanceQ4 2017vs Q4 2016$348.00K$478.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$2.2MM$2.1MM
Real Estate OwnedQ4 2017vs Q4 2016$150.00K$140.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Colonial Co-operative Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%*$40k*-PIMA Statement Savings
OTHER TIERS: 0.25% $2,500 - $10k | 0.30% $10k - $25k | 0.35% $25k - $40k
0.20%*$40k*-Passbook Savings
OTHER TIERS: 0.05% $10 - $10k | 0.10% $10k - $25k | 0.15% $25k - $40k
0.20%*$40k*-Passbook Club
OTHER TIERS: 0.05% $10 - $10k | 0.10% $10k - $25k | 0.15% $25k - $40k

Colonial Co-operative Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.97%*$25*$25kSecure Advantage Checking - Qualifying
OTHER TIERS: 0.25% $25k - $40k | 0.30% $40k+
0.20%*$40k*-Secure Checking
OTHER TIERS: 0.05% $25 - $10k | 0.10% $10k - $25k | 0.15% $25k - $40k
0.20%*$40k*-18/65 Checking
OTHER TIERS: 0.05% $25 - $10k | 0.10% $10k - $25k | 0.15% $25k - $40k
0.20%*$40k*-Community Checking
OTHER TIERS: 0.05% $25 - $10k | 0.10% $10k - $25k | 0.15% $25k - $40k

Colonial Co-operative Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.41%*$25k*-60 Month Fixed Rate CD
OTHER TIERS: 1.31% $500 - $10k | 1.36% $10k - $25k
1.21%$1k-3 Year CD Special
1.11%*$40k*-36 Month Fixed Rate CD
OTHER TIERS: 0.95% $500 - $25k | 1.01% $25k - $40k
1.06%$1k-2 Year CD Special
0.95%*$40k*-24 Month Fixed Rate CD
OTHER TIERS: 0.80% $500 - $10k | 0.85% $10k - $25k | 0.90% $25k - $40k
0.80%*$40k*-366 Day Fixed Rate CD
OTHER TIERS: 0.65% $500 - $10k | 0.70% $10k - $25k | 0.75% $25k - $40k
0.35%$2,500-6 Month Fixed Rate CD
0.10%$500-3 Month Variable CD

Colonial Co-operative Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.41%*$25k*-60 Month IRA Fixed Rate Certificate
OTHER TIERS: 1.31% $500 - $10k | 1.36% $10k - $25k
1.11%*$40k*-36 Month IRA Fixed Rate Certificate
OTHER TIERS: 0.95% $500 - $25k | 1.01% $25k - $40k
0.95%*$40k*-24 Month IRA Fixed Rate Certificate
OTHER TIERS: 0.80% $500 - $10k | 0.85% $10k - $25k | 0.90% $25k - $40k
0.80%*$40k*-366 Day IRA Fixed Rate Certificate
OTHER TIERS: 0.65% $500 - $10k | 0.70% $10k - $25k | 0.75% $25k - $40k
0.35%$2,500-6 Month IRA Fixed Rate Certificate
Locations


Colonial Co-operative Bank Locations
Winchendon Branch1 School SquareWinchendon, MA 01475
Colonial Co-Operative Bank6 City Hall AvenueGardner, MA 01440

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