Winchester Co-operative Bank

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.wcbonline.com

781-729-3620

19 Church Street
Winchester, MA 01890

Winchester Co-operative Bank is headquartered in WINCHESTER and is the 57^th largest bank in the state of Massachusetts. It is also the 1,164^th largest bank in the nation. It was established in 1893 and as of March of 2025, it had grown to 56 employees at 2 locations. Winchester Co-operative Bank's money market rates are 6X the national average, and it boasts an A+ health rating.

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Health

A+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	27238
Year Established	1893
Employees	56
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.35%
Return on Equity - YTD	2.93%
Annual Interest Income	$9.8MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$873.6MM$794.8MM
Loans	Q1 2025vs Q1 2024	$639.6MM$604.3MM
Deposits	Q1 2025vs Q1 2024	$706.7MM$670.6MM
Equity Capital	Q1 2025vs Q1 2024	$103.8MM$101.9MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$2MM$1.9MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$3.1MM$2.4MM
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Money Market
Checking
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Winchester Co-operative Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
3.50%^*	$500k^*	-	Cooperative Select Savings Accounts
OTHER TIERS: 1.00% → $10 - $2.5k \| 2.90% → $2.5k - $500k
1.00%	$10	-	Passbook Savings Accounts
1.00%	$10	-	Statement Savings Account
1.00%	$10	-	Club Savings Accounts

Winchester Co-operative Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.75%	$10	-	Money Market Deposit Account

Winchester Co-operative Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	$10	-	Co-operative Checking Account

Winchester Co-operative Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.25%	$10	-	6 Month CD
4.00%	$10	-	91 Day CD
4.00%	$10	-	12 Month CD
3.90%	$10	-	18 Month CD
3.75%	$10	-	24 Month CD
3.75%	$10	-	36 Month CD
3.75%	$10	-	30 Month CD

Winchester Co-operative Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.00%	$10	-	12 Month IRA
3.90%	$10	-	18 Month IRA
3.75%	$10	-	24 Month IRA
3.75%	$10	-	30 Month IRA
3.75%	$10	-	36 Month IRA

Locations

Winchester Co-operative Bank Locations
Winchester Co-Operative Bank	19 Church St	Winchester, MA 01890
Woburn Branch	198 Lexington Street	Woburn, MA 01801

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