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180 Haven Street
Reading, MA 01867

Reading Cooperative Bank is headquartered in Reading and is the 70th largest bank in the state of Massachusetts. It is also the 1,377th largest bank in the nation. It was established in 1886 and as of September of 2017, it had grown to 82 employees at 9 locations. Reading Cooperative Bank has an A health rating.


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Health Grade Components

FDIC Certificate #26620
Year Established1886
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.63%
Return on Equity - YTD7.28%
Annual Interest Income$14.8MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$522.6MM$504.1MM
LoansQ3 2017vs Q3 2016$423.3MM$405.4MM
DepositsQ3 2017vs Q3 2016$416.2MM$380.6MM
Equity CapitalQ3 2017vs Q3 2016$46.1MM$43.6MM
Loan Loss AllowanceQ3 2017vs Q3 2016$2.5MM$2.6MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$466.00K$484.00K
Real Estate OwnedQ3 2017vs Q3 2016$0$0
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Reading Cooperative Bank Savings Account Rates

0.01%--Green Online Savings
0.01%--Online Christmas Savings
0.01%--Online Vacation Savings

Reading Cooperative Bank Money Market Rates

0.15%*$100k*-Money Market Deposit Account
OTHER TIERS: 0.05% Up to $10k | 0.10% $10k - $50k | 0.13% $50k - $100k

Reading Cooperative Bank CD Rates

2.26%$500-4 1/2 Year Variable CD
1.05%$500-5 Year CD
0.90%$500-4 Year CD
0.75%$500-3 Year CD
0.40%$500-2 Year CD
0.30%$500-2 Year - No Penalty after 12 Month CD
0.25%$500-1 Year CD
0.10%$500-6 Month CD

Reading Cooperative Bank IRA Rates

2.26%$500-4 1/2 Year Variable IRA
1.05%$500-5 Year IRA
0.90%$500-4 Year IRA
0.75%$500-3 Year IRA
0.40%$500-2 Year IRA
0.30%$500-2 Year - No Penalty after 12 Month IRA
0.25%$500-1 Year IRA
0.10%$500-6 Month IRA

Reading Cooperative Bank Locations
Burlington Office Branch10 Wall StreetBurlington, MA 01803
North Reading Branch170 Park StreetNorth Reading, MA 01864
Andover Branch18-20 Central StreetAndover, MA 01810
Reading Co-Operative Bank180 Haven StreetReading, MA 01867
Lowell Street Wilmington Branch230 Lowell StreetWilmington, MA 01887
Woburn Branch300 TradecenterWoburn, MA 01801
Wilmington Branch352 Middlesex AvenueWilmington, MA 01887
Reading Memorial High School Branch62 Oakland RoadReading, MA 01867
Nemt Branch100 Hemlock RoadWakefield, MA 01880