Fidelity Co-operative Bank Rates and Review February 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.
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Fidelity Co-operative Bank's 6-Month CD/IRA 6-Month rates are at 3.15%, 9-Month CD/IRA 9-Month rates are at 3.05%, 12-Month CD/IRA 12-Month rates are at 2.95%, 18-Month CD/IRA 18-Month rates are at 2.60%, 24-Month CD/IRA 24-Month rates are at 2.55%. 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 30-Year Fixed Mortgage rates are at 5.88%, Fixed Rate Mortgage 15 Year rates are at 5.88%, Fixed Rate Mortgage 20 Year rates are at 6.00%, Fixed Rate Mortgage 10 Year rates are at 5.88%, Fixed Rate Mortgage 15 Year Jumbo rates are at 6.12%.
Rate Updates and AvailabilityFidelity 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 Texas RatioFidelity Co-operative Bank's Texas Ratio is at 1.56%, which is considered excellent. The Texas Ratio for Fidelity Co-operative Bank is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
Fidelity Co-operative Bank has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, Fidelity Co-operative Bank is a excellent bank worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs. Avg
"N/A" indicates the product is not offered or the rate is unavailable.
Fidelity Co-operative Bank
9 Leominster Connector
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 & OverviewFidelity Co-operative Bank
9 Leominster ConnectorLeominster, MA 01453 Worcester Established Date: 01/01/1888 FDIC Certificate #: 26451 Date of FDIC Deposit Insurance: 08/09/1989 Bank Holding Company: FIDELITY MUTUAL HOLDING CO How Many Domestic U.S. Offices? 14 How Many Branches are There? 14 Website: https://www.fidelitybankonline.com
Is Fidelity Co-operative Bank FDIC Insured? Yes
What is Fidelity Co-operative Bank's Cert number? 26451
What is the maximum amount for insured deposits? $250,000 per holder, per account
Financial Health & AssetsTotal Assets:
$1,458,808,000
Total Deposits:
$1,312,519,000
Equity Capital:
$130,426,000
Net Income:
$2,890,000
Return on Assets (ROA):
0.5403%
Return on Equity (ROE):
6.4300%
Headquarters:
Leominster
Regulator:
FDIC
# of Offices:
14
Source: FDIC | Last Updated 03/31/2024
Customer ReviewsSILE
December 17, 2025
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Add Your Rating and Review for Fidelity Co-operative Bank
Frequently Asked Questions About Fidelity Co-operative BankHow do I open an account at Fidelity Co-operative Bank?You can typically open an account at Fidelity Co-operative Bank by visiting a local branch or applying through their official website. Is there a first-time homebuyer program?Currently, Fidelity Co-operative Bank provides a range of mortgage and home equity products. Is Fidelity Co-operative Bank a safe place to deposit money?Yes, Fidelity Co-operative Bank is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor. Does Fidelity Co-operative Bank offer online and mobile banking?Most modern institutions like Fidelity Co-operative Bank provide digital access including online balance checks and transfers. Compare to other Banks |
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