Reading Cooperative Bank

Overview / Commentary
180 Haven Street
Reading, MA 01867

Reading Cooperative Bank is headquartered in Reading and is the 67th largest bank in the state of Massachusetts. It is also the 1,266th largest bank in the nation. It was established in 1886 and as of March of 2019, it had grown to 77 employees at 8 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 - YTD0.71%
Return on Equity - YTD8.16%
Annual Interest Income$6.0MM
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$578.6MM$550.6MM
LoansQ1 2019vs Q1 2018$454.7MM$444.3MM
DepositsQ1 2019vs Q1 2018$479.8MM$415.6MM
Equity CapitalQ1 2019vs Q1 2018$50.8MM$46.5MM
Loan Loss AllowanceQ1 2019vs Q1 2018$3.0MM$2.6MM
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$2.0MM$1.6MM
Real Estate OwnedQ1 2019vs Q1 2018$0$0
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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

0.15%*$100k*-Health Savings Account
OTHER TIERS: 0.05% Up to $5k | 0.10% $5k - $100k
0.01%$10-Green Online Savings
0.01%$10-Online Christmas Savings
0.01%$10-Online Vacation Savings
0.01%$10-Passbook Savings
0.01%$10-Student Passbook Savings
0.01%$10-Student Statement Savings

Reading Cooperative Bank Money Market Rates

0.35%*$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

3.30%$500-4 1/2 Year Variable CD
3.30%$500-3 Year Variable CD
2.75%$500-5 Year CD
2.25%$500-4 Year CD
1.75%$500-3 Year CD
1.25%$500-2 Year CD
0.75%$500-1 Year CD
0.35%$500-6 Month CD
0.30%$500-2 Year - No Penalty after 12 Month CD

Reading Cooperative Bank IRA Rates

3.30%$500-4 1/2 Year Variable IRA
3.30%$500-3 Year Variable IRA
2.75%$500-5 Year IRA
2.25%$500-4 Year IRA
1.75%$500-3 Year IRA
1.25%$500-2 Year IRA
0.75%$500-1 Year IRA
0.35%$500-6 Month IRA
0.30%$500-2 Year - No Penalty after 12 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
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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