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Overview / Commentary
781-942-5000
180 Haven Street
Reading, MA 01867

Reading Cooperative Bank is headquartered in Reading and is the 66th largest bank in the state of Massachusetts. It is also the 1,303rd largest bank in the nation. It was established in 1886 and as of December of 2017, it had grown to 81 employees at 8 locations. Reading Cooperative Bank has an A health rating.

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Health

Health Grade Components

Overall
FDIC Certificate #26620
Year Established1886
Employees81
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.44%
Return on Equity - YTD5.12%
Annual Interest Income$20.0MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$549.1MM$513.0MM
LoansQ4 2017vs Q4 2016$442.0MM$418.6MM
DepositsQ4 2017vs Q4 2016$422.1MM$387.5MM
Equity CapitalQ4 2017vs Q4 2016$46.2MM$43.4MM
Loan Loss AllowanceQ4 2017vs Q4 2016$2.6MM$2.6MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$752.00K$437.00K
Real Estate OwnedQ4 2017vs Q4 2016$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Reading Cooperative Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$100k*-Health Savings Account
OTHER TIERS: 0.05% Up to $5k | 0.10% $5k - $100k
0.01%--Green Online Savings
0.01%--Online Christmas Savings
0.01%--Online Vacation Savings

Reading Cooperative Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.53%$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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.53%$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
Locations


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
Wilmington Branch352 Middlesex AvenueWilmington, MA 01887
Reading Memorial High School Branch62 Oakland RoadReading, MA 01867
Nemt Branch100 Hemlock RoadWakefield, MA 01880

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