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Savers Co-operative Bank Rates & Review October 2026

Savers Co-operative Bank's top rates as of October 11, 2026 are 4.05% APY on its 24-Month Certificate, 0.10% APY on savings, 3.25% APY on money market accounts, 2.00% APY on checking, and personal loans from 14.00% APR, according to rates verified by MonitorBankRates. Other Savers Co-operative Bank CD rates include 15-Months Ultra 15-Month CD at 3.85%, Ultra 15-Month Certificate Special at 3.85%, and 11-Months Ultra 11-Month CD at 3.65%. MonitorBankRates evaluates the financial stability of Savers Co-operative Bank with a 4.0 Star Rating, an C Overall Health Grade, and a Texas Ratio of 27.40%. Rates last updated and verified on 10/11/2026.

Savers 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 Savers Co-operative Bank? Share your experience about Savers Co-operative Bank by leaving a review below, or read customer reviews before you decide to use Savers Co-operative Bank.

Overall Health & Safety Grade ?
C
Average Health Score: 76/100
MonitorBankRates Rating ?
4.0
Very Good Out of 5.0 Stars
Texas Ratio ?
27.40%
Good Higher than avg
Health Trend ?
Worsening 12 quarters
Full history ›
Savers Co-operative Bank
270 Main St
Southbridge, MA 01550
https://www.saversbank.com
MemberFDIC
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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.

Savers Co-operative Bank CD Rates

Product Rate APY Term View More
24 Month Certificate 3.92% 4.05% 24 Month
Min Deposit $500
Last Updated 10/11/2026
Rate History
1 change since Sep 19, 2026 · 1.28% → 4.05% ▲ 2.77 pts · high 4.05% / low 1.28%
0.00%3.41%6.82%Sep 19, 2026: 1.28% APYOct 11, 2026: 4.05% APYSep 19, 2026Oct 14, 2026
  • Oct 11, 20264.05%▲ from 1.28%
  • Sep 19, 20261.28%first recorded
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 27.40%
Ultra 15 Month CD - 3.85% 15 months
Min Deposit $25,000
Min Balance $10
Details APY assumes interest remains on deposit until maturity. A withdrawal of interest will reduce earnings. Fees and other conditions could reduce earnings. You must maintain a minimum balance of $10 in the account to obtain the disclosed APY. A penalty may be imposed for early withdrawal on certificates. In order to obtain the special rates, you must open or have an existing Savers Bank checking account. The CD will auto renew to a 12 month CD at maturity.
Last Updated 10/11/2026
Rate History
1 change since Sep 19, 2026 · 3.65% → 3.85% ▲ 0.20 pts · high 3.85% / low 3.65%
3.15%3.75%4.35%Sep 19, 2026: 3.65% APYOct 11, 2026: 3.85% APYSep 19, 2026Oct 14, 2026
  • Oct 11, 20263.85%▲ from 3.65%
  • Sep 19, 20263.65%first recorded
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 27.40%
Ultra 15 Month Certificate Special 3.73% 3.85% Ultra 15 Month
Min Deposit $25,000
Details ***
Last Updated 10/11/2026
Rate History
No change since Oct 11, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 11, 2026: 3.85% APYOct 11, 2026Oct 14, 2026
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 27.40%
Ultra 11 Month CD - 3.65% 11 months
Min Deposit $25,000
Min Balance $10
Details The 3.65% APY for a term of 11 months is effective as of March 4, 2026 and is subject to change without notice. APY assumes interest remains on deposit until maturity. A withdrawal of interest will reduce earnings. Fees and other conditions could reduce earnings. You must maintain a minimum balance of $10 in the account to obtain the disclosed APY. A penalty may be imposed for early withdrawal on certificates. In order to obtain the special rates, you must open or have an existing Savers Bank checking account. The CD will auto renew to a 12 month CD at maturity.
Last Updated 10/11/2026
Rate History
1 change since Sep 19, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
3.00%3.58%4.15%Sep 19, 2026: 3.50% APYOct 11, 2026: 3.65% APYSep 19, 2026Oct 14, 2026
  • Oct 11, 20263.65%▲ from 3.50%
  • Sep 19, 20263.50%first recorded
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 27.40%
Ultra 11 Month Certificate Special 3.54% 3.65% Ultra 11 Month
Min Deposit $25,000
Details ***
Last Updated 10/11/2026
Rate History
No change since Oct 11, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 11, 2026: 3.65% APYOct 11, 2026Oct 14, 2026
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 27.40%
Ultra 7 Month CD - 3.65% 7 months
Min Deposit $25,000
Min Balance $10
Details The 3.65% APY for a term of 7 months is effective as of October 9, 2026 and is subject to change without notice. APY assumes interest remains on deposit until maturity. A withdrawal of interest will reduce earnings. Fees and other conditions could reduce earnings. You must maintain a minimum balance of $10 in the account to obtain the disclosed APY. A penalty may be imposed for early withdrawal on certificates. In order to obtain the special rates, you must open or have an existing Savers Bank checking account. The CD will auto renew to a 12 month CD at maturity.
Last Updated 10/11/2026
Rate History
1 change since Sep 19, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50%
3.00%3.58%4.15%Sep 19, 2026: 3.50% APYOct 11, 2026: 3.65% APYSep 19, 2026Oct 14, 2026
  • Oct 11, 20263.65%▲ from 3.50%
  • Sep 19, 20263.50%first recorded
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 27.40%
Ultra 7 Month Certificate Special 3.54% 3.65% Ultra 7 Month
Min Deposit $25,000
Details ***
Last Updated 10/11/2026
Rate History
No change since Oct 11, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 11, 2026: 3.65% APYOct 11, 2026Oct 14, 2026
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 27.40%
48 Month Certificate 2.00% 2.05% 48 Month
Min Deposit $500
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 2.05% APY · checked 9 times
1.55%2.05%2.55%Sep 19, 2026: 2.05% APYSep 19, 2026Oct 14, 2026
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 27.40%
60 Month Certificate 2.00% 2.05% 60 Month
Min Deposit $500
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 2.05% APY · checked 9 times
1.55%2.05%2.55%Sep 19, 2026: 2.05% APYSep 19, 2026Oct 14, 2026
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 27.40%
30 Month Certificate 1.65% 1.69% 30 Month
Min Deposit $500
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 1.69% APY · checked 9 times
1.19%1.69%2.19%Sep 19, 2026: 1.69% APYSep 19, 2026Oct 14, 2026
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 27.40%
36 Month Certificate 1.65% 1.69% 36 Month
Min Deposit $500
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 1.69% APY · checked 9 times
1.19%1.69%2.19%Sep 19, 2026: 1.69% APYSep 19, 2026Oct 14, 2026
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 27.40%
18 Month Certificate 1.25% 1.28% 18 Month
Min Deposit $500
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 1.28% APY · checked 9 times
0.78%1.28%1.78%Sep 19, 2026: 1.28% APYSep 19, 2026Oct 14, 2026
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 27.40%
IRA Variable 18 Month Certificate 1.25% 1.28% 18 Month
Min Deposit $50
Details Term: IRA Variable 18 Month
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 1.28% APY · checked 8 times
0.78%1.28%1.78%Sep 19, 2026: 1.28% APYSep 19, 2026Oct 14, 2026
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 27.40%
12 Month Certificate 1.00% 1.02% 12 Month
Min Deposit $500
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 1.02% APY · checked 9 times
0.52%1.02%1.52%Sep 19, 2026: 1.02% APYSep 19, 2026Oct 14, 2026
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 27.40%
6 Month Certificate 0.65% 0.66% 6 Month
Min Deposit $2,500
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.66% APY · checked 9 times
0.16%0.66%1.16%Sep 19, 2026: 0.66% APYSep 19, 2026Oct 14, 2026
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 27.40%

Savers Co-operative Bank Savings Rates

Product Rate APY View More
School Savings 0.10% 0.10%
Min Deposit $0
Min Balance $10
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 9 times
0.00%0.30%0.60%Sep 19, 2026: 0.10% APYSep 19, 2026Oct 14, 2026
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 27.40%
Statement Savings Account 0.10% 0.10%
Min Deposit $10
Min Balance $10
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 9 times
0.00%0.30%0.60%Sep 19, 2026: 0.10% APYSep 19, 2026Oct 14, 2026
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 27.40%

Savers Co-operative Bank Money Market Rates

Product Rate APY View More
Tiered Money Market Account 0.60% 0.60%
Min Deposit $2,500
Min Balance $25,000
Details *Fees or other conditions could reduce the earnings on the accounts shown above. Interest is not earned if the account balance falls below $10.00.
Last Updated 10/11/2026
Rate History
2 changes since Sep 19, 2026 · 0.20% → 0.60% ▲ 0.40 pts · high 0.60% / low 0.20%
0.00%0.55%1.10%Sep 19, 2026: 0.20% APYOct 4, 2026: 0.35% APYOct 11, 2026: 0.60% APYSep 19, 2026Oct 14, 2026
  • Oct 11, 20260.60%▲ from 0.35%
  • Oct 4, 20260.35%▲ from 0.20%
  • Sep 19, 20260.20%first recorded
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 27.40%
Tiered Money Market Account 0.35% 0.35%
Min Balance $500,000
Details Balance: $500,000 +
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.35% APY · checked 9 times
0.00%0.43%0.85%Sep 19, 2026: 0.35% APYSep 19, 2026Oct 14, 2026
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 27.40%
Premier IRA Money Market Account 0.25% 0.25%
Min Balance $10,000
Details Balance: $10,000 - $24,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.25% APY · checked 9 times
0.00%0.38%0.75%Sep 19, 2026: 0.25% APYSep 19, 2026Oct 14, 2026
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 27.40%
Premier IRA Money Market Account 0.25% 0.25%
Min Balance $25,000
Details Balance: $25,000 - $49,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.25% APY · checked 9 times
0.00%0.38%0.75%Sep 19, 2026: 0.25% APYSep 19, 2026Oct 14, 2026
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 27.40%
Premier IRA Money Market Account 0.25% 0.25%
Min Balance $50,000
Details Balance: $50,000 and over
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.25% APY · checked 9 times
0.00%0.38%0.75%Sep 19, 2026: 0.25% APYSep 19, 2026Oct 14, 2026
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 27.40%
Premier IRA Money Market Account 0.20% 0.20%
Min Balance $5,000
Details Balance: $5,000 - $9,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.20% APY · checked 9 times
0.00%0.35%0.70%Sep 19, 2026: 0.20% APYSep 19, 2026Oct 14, 2026
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 27.40%
Tiered Money Market Account 0.20% 0.20%
Min Balance $150,000
Details Balance: $150,000 - $499,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.20% APY · checked 9 times
0.00%0.35%0.70%Sep 19, 2026: 0.20% APYSep 19, 2026Oct 14, 2026
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 27.40%
Tiered Money Market Account 0.15% 0.15%
Min Balance $50,000
Details Balance: $50,000 - $149,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.15% APY · checked 9 times
0.00%0.33%0.65%Sep 19, 2026: 0.15% APYSep 19, 2026Oct 14, 2026
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 27.40%
Premier IRA Money Market Account 0.10% 0.10%
Min Balance $0
Details Balance: Less than $5,000
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 9 times
0.00%0.30%0.60%Sep 19, 2026: 0.10% APYSep 19, 2026Oct 14, 2026
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 27.40%
Tiered Money Market Account 0.10% 0.10%
Min Balance $10
Details Balance: $10 - $49,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 9 times
0.00%0.30%0.60%Sep 19, 2026: 0.10% APYSep 19, 2026Oct 14, 2026
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 27.40%

Savers Co-operative Bank Business Money Market Rates

Product Rate APY View More
Business Ultra Money Market Special 3.15% 3.25%
Min Balance $500,000
Details Balance: $500,000 +
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 24, 2026: 3.25% APYSep 24, 2026Oct 14, 2026
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 27.40%
Ultra Money Market Special -Personal and Business - 3.25%
Min Deposit $50,000
Min Balance $500,000
Details To receive the 3.25% APY a balance of $500,000 or greater needs to be maintained. If the promotional money market daily balance falls below the $50,000 minimum deposit requirement during the monthly statement cycle, the interest rate will default to the current money market rate established by Savers Bank. As of October 30, 2024 the default rate is 1.00% APY. Fees and other conditions could reduce earnings. You must maintain a minimum balance of $10 in the account to obtain the disclosed APY. The Ultra Money Market requires a Savers Bank checking account to receive the advertised promotional money market rate. All Money Market rate tiers are effective as of October 30, 2024 and are subject to change without notice.
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 19, 2026: 3.25% APYSep 19, 2026Oct 14, 2026
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 27.40%
Business Ultra Money Market Special 2.68% 2.75%
Min Balance $150,000
Details Balance: $150,000 - $499,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 8 times
2.25%2.75%3.25%Sep 24, 2026: 2.75% APYSep 24, 2026Oct 14, 2026
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 27.40%
Business Ultra Money Market Special 1.32% 1.35%
Min Balance $50,000
Details Balance: $50,000 - $149,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 1.35% APY · checked 8 times
0.85%1.35%1.85%Sep 24, 2026: 1.35% APYSep 24, 2026Oct 14, 2026
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 27.40%
Business Ultra Money Market Special 0.98% 1.00%
Min Balance $10
Details Balance: $10 - $49,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 8 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 14, 2026
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 27.40%
Tiered Business Money Market Account 0.45% 0.45%
Min Balance $500,000
Details Balance: $500,000 +
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.45% APY · checked 9 times
0.00%0.48%0.95%Sep 19, 2026: 0.45% APYSep 19, 2026Oct 14, 2026
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 27.40%
Tiered Business Money Market Account 0.25% 0.25%
Min Balance $150,000
Details Balance: $150,000 - $499,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.25% APY · checked 9 times
0.00%0.38%0.75%Sep 19, 2026: 0.25% APYSep 19, 2026Oct 14, 2026
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 27.40%
Tiered Business Money Market Account 0.15% 0.15%
Min Balance $50,000
Details Balance: $50,000 - $149,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.15% APY · checked 8 times
0.00%0.33%0.65%Sep 19, 2026: 0.15% APYSep 19, 2026Oct 14, 2026
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 27.40%
Tiered Business Money Market Account 0.10% 0.10%
Min Balance $10
Details Balance: $10 - $49,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 8 times
0.00%0.30%0.60%Sep 19, 2026: 0.10% APYSep 19, 2026Oct 14, 2026
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 27.40%

Savers Co-operative Bank Checking Rates

Product Rate APY View More
Ka-Ching Checking 1.95% 2.00%
Min Deposit $10
Min Balance $10
Details Qualifications Required: 12 posted and settled Debit Card purchases; Be enrolled in eStatements; 1 direct deposit or 1 bill payment (electronic) or automatic payment (ACH) post and settle; Balances from $10.00 up to $25,000 earn 1.95% interest rate (2.00% Annual Percentage Yield (APY)); If qualifications are not met, balances of $10 or more earn an interest rate and APY of 0.05%, and the account does not receive ATM surcharge rebates or Savers Bank card activity charges for that period.
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 2.00% APY · checked 9 times
1.50%2.00%2.50%Sep 19, 2026: 2.00% APYSep 19, 2026Oct 14, 2026
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 27.40%
Simply Better Checking Account 0.10% 0.10%
Min Balance $250,000
Details Balance: $250,000 and over
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 9 times
0.00%0.30%0.60%Sep 19, 2026: 0.10% APYSep 19, 2026Oct 14, 2026
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 27.40%
e-Checking Account 0.05% 0.05%
Min Deposit $10
Min Balance $500
Details Fees or other conditions could reduce the earnings on the account shown above.
Last Updated 10/11/2026
Rate History
1 change since Sep 19, 2026 · 0.02% → 0.05% ▲ 0.03 pts · high 0.05% / low 0.02%
0.00%0.28%0.55%Sep 19, 2026: 0.02% APYOct 11, 2026: 0.05% APYSep 19, 2026Oct 14, 2026
  • Oct 11, 20260.05%▲ from 0.02%
  • Sep 19, 20260.02%first recorded
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 27.40%
Ka-Ching Checking 0.05% 0.05%
Min Balance $0
Details Qualifications Required: If qualifications are not met.; Balance: All Balances
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 14, 2026
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 27.40%
Simply Better Checking Account 0.05% 0.05%
Min Balance $50,000
Details Balance: $50,000 - $249,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 9 times
0.00%0.28%0.55%Sep 19, 2026: 0.05% APYSep 19, 2026Oct 14, 2026
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 27.40%
e-Checking Account 0.02% 0.02%
Min Balance $500
Details Balance: $500 and over
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.02% APY · checked 9 times
0.00%0.26%0.52%Sep 19, 2026: 0.02% APYSep 19, 2026Oct 14, 2026
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 27.40%
Simply Better Checking Account 0.02% 0.02%
Min Balance $10,000
Details Balance: $10,000 - $49,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.02% APY · checked 9 times
0.00%0.26%0.52%Sep 19, 2026: 0.02% APYSep 19, 2026Oct 14, 2026
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 27.40%

Savers Co-operative Bank Auto Loan Rates

Product Rate Points APR Term View More
Auto (2024 - New) Loan 6.72% - 6.72% Up to 60 months
Details Published APR range: 6.72% - 9.97%; Published rate range: 6.72% - 9.97%. Amount Financed: 100%
Last Updated 10/11/2026
Rate History
No change since Sep 15, 2026 · 6.72% APR · checked 9 times
6.22%6.72%7.22%Sep 15, 2026: 6.72% APRSep 15, 2026Oct 14, 2026
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 27.40%
Auto (2021 - 2023) Loan 7.17% - 7.17% Up to 60 months
Details Published APR range: 7.17% - 10.42%; Published rate range: 7.17% - 10.42%. Amount Financed: 100%
Last Updated 10/11/2026
Rate History
No change since Sep 15, 2026 · 7.17% APR · checked 9 times
6.67%7.17%7.67%Sep 15, 2026: 7.17% APRSep 15, 2026Oct 14, 2026
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 27.40%
Auto (2024 - New) Loan 7.17% - 7.17% Up to 72 months
Details Published APR range: 7.17% - 10.42%; Published rate range: 7.17% - 10.42%. Amount Financed: 100%
Last Updated 10/11/2026
Rate History
No change since Sep 15, 2026 · 7.17% APR · checked 9 times
6.67%7.17%7.67%Sep 15, 2026: 7.17% APRSep 15, 2026Oct 14, 2026
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 27.40%
New - (Under 1,000 Miles) Auto Loan 7.17% - 7.17% Up to 84 months
Details Published APR range: 7.17% - 10.42%; Published rate range: 7.17% - 10.42%. Amount Financed: 100%
Last Updated 10/11/2026
Rate History
No change since Sep 15, 2026 · 7.17% APR · checked 10 times
6.67%7.17%7.67%Sep 15, 2026: 7.17% APRSep 15, 2026Oct 14, 2026
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 27.40%
Auto (2017 - 2020) Loan 7.67% - 7.67% Up to 60 months
Details Published APR range: 7.67% - 10.92%; Published rate range: 7.67% - 10.92%. Amount Financed: 100%
Last Updated 10/11/2026
Rate History
No change since Sep 15, 2026 · 7.67% APR · checked 9 times
7.17%7.67%8.17%Sep 15, 2026: 7.67% APRSep 15, 2026Oct 14, 2026
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 27.40%
Auto (2021 - 2023) Loan 7.67% - 7.67% Up to 72 months
Details Published APR range: 7.67% - 10.92%; Published rate range: 7.67% - 10.92%. Amount Financed: 100%
Last Updated 10/11/2026
Rate History
No change since Sep 15, 2026 · 7.67% APR · checked 9 times
7.17%7.67%8.17%Sep 15, 2026: 7.67% APRSep 15, 2026Oct 14, 2026
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 27.40%
Auto (2016 - Older) Loan 8.17% - 8.17% Up to 36 months
Details Published APR range: 8.17% - 11.42%; Published rate range: 8.17% - 11.42%. Amount Financed: 100%
Last Updated 10/11/2026
Rate History
No change since Sep 15, 2026 · 8.17% APR · checked 9 times
7.67%8.17%8.67%Sep 15, 2026: 8.17% APRSep 15, 2026Oct 14, 2026
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 27.40%

Savers Co-operative Bank Personal Loan Rates

Product APR Term View More
Personal Loans 14.00% Up to 48 months
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 15, 2026 · 14.00% APR · checked 10 times
13.50%14.00%14.50%Sep 15, 2026: 14.00% APRSep 15, 2026Oct 14, 2026
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 27.40%

Savers Co-operative Bank Other Rates

Product Rate Points APY/APR Term View More
Collateral Loans 4.00% - 4.00%
Details Borrow up to 100% of your account balance
Last Updated 10/11/2026
Rate History
No change since Sep 15, 2026 · 4.00% APR · checked 4 times
3.50%4.00%4.50%Sep 15, 2026: 4.00% APRSep 15, 2026Oct 14, 2026
Institution Ratings
4.0
Star Rating
C
Health Grade
◈ Texas Ratio: 27.40%

Financial Health History

Savers Co-operative Bank’s Texas Ratio rose from 4.61% in Q3 2023 to 27.40% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.0 and its Health Grade from A+ to C. 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.

0% 1.0★ 9% 2.0★ 18% 3.0★ 28% 4.0★ 37% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 4.61% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A Q2 2025 A Q3 2025 B Q4 2025 B+ Q1 2026 27.40% C Q2 2026
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)
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$783M27.40%4.0C
March 31, 2026$797M18.54%4.7B+
December 31, 2025$790M19.67%4.6B
September 30, 2025$795M10.96%5.0A
June 30, 2025$788M11.17%5.0A
March 31, 2025$778M3.89%5.0A+
December 31, 2024$770M3.72%5.0A+
September 30, 2024$764M3.86%5.0A+
June 30, 2024$750M4.48%5.0A+
March 31, 2024$718M4.49%5.0A+
December 31, 2023$718M4.07%5.0A+
September 30, 2023$720M4.61%5.0A+
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Savers 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 Savers 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 Savers Co-operative Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Savers Co-operative Bank
FDIC Certificate # 26455
Address 270 Main St, Southbridge, MA 01550  ·  Worcester
Established 19100101
FDIC Insurance Date 19851126
Domestic Offices 7
Total Branches 7
Regulator FDIC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

C
Overall Health Grade Score: 76/100
4.0
Very Good Out of 5.0 Stars
27.40%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 0.6813%
Return on Equity (ROE) 6.7100%
Non-Performing Loans (NPL) 2.85%
Total Assets $783,177,000
Total Deposits $562,335,000
Equity Capital $81,444,000
Net Income $2,692,000
Headquarters Southbridge
Total Branches and Offices 7
Source: FDIC  |  Last Updated 06/30/2026

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Frequently Asked Questions About Savers Co-operative Bank

How many branches does Savers Co-operative Bank operate?

Savers Co-operative Bank currently maintains approximately 7 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, Savers 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, Savers Co-operative Bank provides members with tools to manage their accounts and build a solid financial history.

Does Savers Co-operative Bank offer online and mobile banking?

Most modern institutions like Savers 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.saversbank.com.

Current Savers Co-operative Bank Rates

  • 12-Month CD1.02%
  • 18-Month CD1.28%
  • 24-Month CD4.05%
  • 36-Month CD1.69%
  • 48-Month CD2.05%
  • 60-Month CD2.05%
  • Savings0.10%
  • MMA3.25%
Retrieved from our database of financial products. Rates subject to change.