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 Canton Co-operative Bank Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 21, 2026
Canton Co-operative Bank's CDs & IRA CDs - 6-Month rates are at 4.10%, CDs & IRA CDs - 3 Year rates are at 2.75%, CDs & IRA CDs - 3-Month rates are at 2.50%, CDs & IRA CDs - 4 Year rates are at 2.25%, CDs & IRA CDs - 2 Year rates are at 1.51%. Canton Co-operative Bank's money market rates are at 3.25%. Canton Co-operative Bank's checking rates are as high as 0.12%. Canton Co-operative Bank's 30 Year Fixed Rate First-Time Home Buyer rates are at 6.50%, 15 Year Fixed Rate rates are at 6.50%, 5/1 Adjustable Rate First-Time Home Buyer Loan rates are at 5.75%, 5/1 Adjustable Rate Loan rates are at 5.875%, 30 Year Fixed Rate rates are at 6.875%. MonitorBankRates evaluates the financial stability of Canton Co-operative Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.33%. Rates last updated and verified on 10/21/2026. Canton Co-operative Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Canton Co-operative Bank? Share your experience about Canton Co-operative Bank by leaving a review below, or read customer reviews before you decide to use Canton Co-operative Bank. Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends. Canton Co-operative Bank CD Rates
Canton Co-operative Bank Money Market Rates
Canton Co-operative Bank Business Money Market Rates
Canton Co-operative Bank Checking Rates
Canton Co-operative Bank Business Checking Rates
Canton Co-operative Bank Mortgage Rates
Canton Co-operative Bank Home Equity & HELOC
Canton Co-operative Bank Other Rates
Financial Health HistoryCanton Co-operative Bank’s Texas Ratio fell from 9.05% in Q3 2023 to 0.33% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Canton Co-operative Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Canton Co-operative Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Canton Co-operative Bank's official website for the most current offers and terms.
Bank Profile & Overview
Bank Name
Canton Co-operative Bank
Website
https://www.cantoncoopbank.com
Address
671 Washington St,
Canton, MA 02021 · Norfolk
FDIC Certificate #
26450
Regulator
FED
Established
January 1, 1891
FDIC Insurance Date
December 5, 1985
Domestic Offices
1
Total Branches
1
FDIC Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.33%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
0.4119%
Return on Equity (ROE)
3.0100%
Non-Performing Loans Ratio (NPL)
0.05%
Total Assets
$154,823,000
Total Deposits
$127,189,000
Equity Capital
$21,526,000
Net Income
$321,000
Headquarters
Canton
Total Branches and Offices
1
Source: FDIC — Last Updated June 30, 2026
Customer Reviews
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Frequently Asked Questions About Canton Co-operative BankDoes Canton Co-operative Bank offer CDs?Yes. Canton Co-operative Bank offers certificates of deposit (CDs) with fixed interest rates across multiple term lengths. Its current CD rates, verified by MonitorBankRates, are listed on this page. Are CDs from Canton Co-operative Bank FDIC insured?Yes. Canton Co-operative Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Canton Co-operative Bank?The highest CD rate MonitorBankRates has verified for Canton Co-operative Bank is 4.10% APY on its CDs & IRA CDs - 6-Month, as of October 21, 2026. What CD terms does Canton Co-operative Bank offer?The Canton Co-operative Bank CD terms we track include 3 month, 6 month, 12 month, 2 year, 3 year and 4 year terms, with rates from 1.51% to 4.10% APY. The institution may offer other terms or specials that are not listed here, so check with Canton Co-operative Bank for its full lineup. What is the highest money market rate at Canton Co-operative Bank?The highest money market rate MonitorBankRates has verified for Canton Co-operative Bank is 3.25% APY on its Business Money Market, as of October 21, 2026. What is the highest checking rate at Canton Co-operative Bank?The highest checking rate MonitorBankRates has verified for Canton Co-operative Bank is 0.12% APY on its High Interest Checking, as of October 21, 2026. What is the lowest 30 year fixed mortgage rate at Canton Co-operative Bank?The lowest 30 year fixed mortgage rate MonitorBankRates has verified for Canton Co-operative Bank is 6.50% rate on its 30 Year Fixed Rate First-Time Home Buyer, as of October 21, 2026. How many branches does Canton Co-operative Bank operate?Canton Co-operative Bank currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, Canton Co-operative Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Canton Co-operative Bank provides members with tools to manage their accounts and build a solid financial history. Does Canton Co-operative Bank offer online and mobile banking?Most modern institutions like Canton Co-operative Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.cantoncoopbank.com. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Canton Co-operative Bank rates compare?Canton Co-operative Bank's top rates are 4.10% APY on its CDs & IRA CDs - 6-Month, 3.25% APY on money market, 0.12% APY on checking and 5.75% on its 5/1 Adjustable Rate First-Time Home Buyer Loan, verified by MonitorBankRates on October 21, 2026. To compare Canton Co-operative Bank with the top rates nationwide, see our best CD rates, best money market rates, best mortgage rates and best checking rates, updated daily from banks and credit unions across the country. Current Canton Co-operative Bank Rates
Retrieved from our database of financial products. Rates subject to change.
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