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iAdvertiser Disclosure
Advertiser Disclosure
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 Fidelity Co-operative Bank Rates & Review April 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: April 17, 2026
Fidelity Co-operative Bank's 91-Day CD/IRA Premier Spending rates are at 3.25%, 91-Day CD/IRA Plus Spending rates are at 3.23%, 6-Month CD/IRA Premier Spending rates are at 3.20%, 91-Day CD rates are at 3.20%, 91-Day CD/IRA rates are at 3.20%. Fidelity Co-operative Bank's savings rates are at 0.02%. Fidelity Co-operative Bank's money market rates are at 0.01%. Fidelity Co-operative Bank's 15 Year Fixed Rate Mortgage rates are at 6.00%, 20 Year Fixed Rate Mortgage rates are at 6.12%, 30 Year - 1 Point Fixed Rate Mortgage rates are at 6.12%, 10 Year Fixed Rate Mortgage rates are at 6.00%, 15 Year Jumbo Fixed Rate Mortgage rates are at 6.25%. MonitorBankRates evaluates the financial stability of Fidelity Co-operative Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.53%. Rates were last updated on 04/17/2026. Fidelity 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 Fidelity Co-operative Bank? Share your experience about Fidelity Co-operative Bank by leaving a review below, or read customer reviews before you decide to use Fidelity Co-operative Bank. Fidelity Co-operative Bank
9 Leominster Connector
https://www.fidelitybankonline.com Leominster, MA 01453 
Fidelity Co-operative Bank CD Rates
Fidelity Co-operative Bank Savings Rates
Fidelity Co-operative Bank Money Market Rates
Fidelity Co-operative Bank Mortgage Rates
Fidelity Co-operative Bank Home Equity & HELOC
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Fidelity 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 Fidelity 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 Fidelity Co-operative Bank's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Fidelity Co-operative Bank
Bank Holding Company
MUTUAL BCORP
Address
9 Leominster Connector,
Leominster, MA 01453 · Worcester
FDIC Certificate #
26451
Established
01/01/1888
FDIC Insurance Date
12/06/1985
Domestic Offices
13
Total Branches
13
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 99/100
5.0
Exceptional
Out of 5.0 Stars
1.53%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.5403%
Return on Equity (ROE)
6.4300%
Non-Performing Loans (NPL)
0.14%
Total Assets
$1,382,110,000
Total Deposits
$1,154,353,000
Equity Capital
$164,351,000
Net Income
$-4,398,000
Headquarters
Leominster
Total Offices
13
Source: FDIC | Last Updated 12/31/2025
Frequently Asked Questions About Fidelity Co-operative BankIs Fidelity Co-operative Bank a safe place to deposit money?Yes, Fidelity Co-operative Bank is considered a safe financial institution. With a Texas Ratio of 1.5296595968784%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category. How many branches does Fidelity Co-operative Bank operate?Fidelity Co-operative Bank currently maintains approximately 13 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, Fidelity 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, Fidelity Co-operative Bank provides members with tools to manage their accounts and build a solid financial history. Does Fidelity Co-operative Bank offer online and mobile banking?Most modern institutions like Fidelity 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.fidelitybankonline.com. Current Fidelity Co-operative Bank Rates
Retrieved from our database of financial products. Rates subject to change.
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