Winchester Co-operative Bank


Winchester Co-operative Bank is an FDIC insured institution headquartered at 19 Church St, Winchester, MA 01890.
It was founded in 1893 and has approximately $1 billion in assets. Customers can open an account at one of its 1 branches.

Deposit Rates - October 15, 2025

SAVINGS RATES APY MIN
SAV
1.00% $0 Compare
SAV
1.00% $10 Compare
SAV
3.05% $2,500 Compare
SAV
3.75% $500,000 Compare
CD RATES APY MIN
3 Mo CD
4.20% $500 Compare
6 Mo CD
4.50% $500 Compare
12 Mo CD
4.05% $500 Compare
18 Mo CD
4.05% $500 Compare
24 Mo CD
4.00% $500 Compare
30 Mo CD
4.00% $500 Compare
36 Mo CD
4.00% $500 Compare
MM RATES APY MIN
Money Market
2.75% $10 Compare
FIXED IRA RATES APY MIN
12 Mo FIRA
4.05% $10
18 Mo FIRA
4.05% $10
24 Mo FIRA
4.00% $10
30 Mo FIRA
4.00% $10
36 Mo FIRA
4.00% $10
INT CHECKING RATES APY MIN
INTCK
0.10% $10

Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 27238
Date Established 1893
Assets $ 881.32 million
Loans $ 649.42 million
Deposits $ 713.26 million
Capital $ 104.87 million

Summary Balance Sheet as of June 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 94.69 million
Interest-bearing balances $ 92.08 million
Total securities $ 113.54 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 649.42 million
Loan loss allowance $ 2.08 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 2.68 million
     Total Assets $ 776.45 million

LIABILITIES
Total deposits $ 713.26 million
      Interest-bearing deposits $ 673.81 million
      Deposits held in domestic offices $ 713.26 million
      % insured (estimated)" 76.22%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 2.50 million
Subordinated debt N.A.
All other liabilities $ 1.30 millionn
      Total Liabilities $ 776.45 million
      Shareholders’ Equity $ 104.87 million

Summary Income Statement as of June 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 19.82 million
Total Interest Expense $ 11.44 million
Net interest income $ 8.38 million
Provision for loan and lease losses $ 0.15 million
Total non interest income $ 0.87 million
Total non interest expense $ 6.72 million
Pre-tax Net Operating Income $ 2.18 million

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Branches

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Winchester Co-operative Bank Locations