Fidelity Co-operative Bank


Fidelity Co-operative Bank is an FDIC insured institution headquartered at 9 Leominster Connector, Leominster, MA 01453.
It was founded in 1888 and has approximately $2 billion in assets. Customers can open an account at one of its 11 branches.

Deposit Rates - April 02, 2025

SAVINGS RATES APY MIN
SAV
4.00% $0 Compare
SAV
1.00% $1 Compare
SAV
0.25% $10 Compare
SAV
0.30% $25 Compare
CD RATES APY MIN
3 Mo CD
0.70% $500 Compare
6 Mo CD
0.75% $500 Compare
7 Mo CD
4.10% $500 Compare
11 Mo CD
3.95% $500 Compare
12 Mo CD
0.80% $500 Compare
19 Mo CD
3.75% $500 Compare
24 Mo CD
0.85% $500 Compare
25 Mo CD
3.50% $500 Compare
60 Mo CD
1.00% $500 Compare
VARIABLE IRA RATES APY MIN
VIRA
4.10% $500
VIRA
3.50% $501
VIRA
3.75% $502
VIRA
3.95% $503

Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 26451
Date Established 1888
Assets $ 1,615.53 million
Loans $ 1,050.36 million
Deposits $ 1,410.90 million
Capital $ 182.63 million

Summary Balance Sheet as of September 30, 2024

ASSETS
Cash & Balances due from depository institutions $ 137.75 million
Interest-bearing balances $ 125.63 million
Total securities $ 301.47 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 1,050.36 million
Loan loss allowance $ 7.76 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 47.22 million
All other assets $ 39.95 million
     Total Assets $ 1,432.90 million

LIABILITIES
Total deposits $ 1,410.90 million
      Interest-bearing deposits $ 1,198.87 million
      Deposits held in domestic offices $ 1,410.90 million
      % insured (estimated)" 71.46%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 27.04 million
Subordinated debt N.A.
All other liabilities $ 10.26 millionn
      Total Liabilities $ 1,432.90 million
      Shareholders’ Equity $ 182.63 million

Summary Income Statement as of September 30, 2024

INCOME AND EXPENSES
Total Interest Income $ 48.94 million
Total Interest Expense $ 19.22 million
Net interest income $ 29.72 million
Provision for loan and lease losses $ 5.66 million
Total non interest income $ 3.15 million
Total non interest expense $ 20.91 million
Pre-tax Net Operating Income $ 7.46 million

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Branches

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Fidelity Co-operative Bank Locations