StonehamBank, A Co-operative Bank: Savings Accounts, CDs, Money Market & Rates

Updated: 8/19/2026

Mission: Banksparency aims to make StonehamBank, A Co-operative Bank's deposit accounts transparent and comparable to the market.

Interest rates reported as APY

Analysis of StonehamBank, A Co-operative Bank

Our verdict

CD Analysis

StonehamBank, A Co-operative Bank offers CDs paying up to 3.85% APY on its 9 months term, across 9 term lengths.

Tracking 17 active CD products, useful for locking in today's rate before further moves at the Fed.

Best CD use: locking in 3.85% APY for a 9 months term and laddering across multiple maturities.

StonehamBank, A Co-operative Bank also offers Optimum Money Market, a money market account paying 0.20% APY with a $10 minimum deposit.

At 0.20% APY, StonehamBank, A Co-operative Bank pays below the national money market average of 0.63%.

Additional Accounts

Plus One Money Market, a money market account at 0.20% APY. It requires a linked checking account.
Optimum Savings, a savings account at 0.05% APY.
Optimum Student Savings, a student savings account at 1.00% APY.

Ideal User Profile

Best for: simple saving without extra requirements.

Important Considerations

Optimum Student Savings is a student savings account. Requires student enrollment.

No app ratings available for this bank.

iOS app rating is not available.

Android app rating is not available.

Deposit Accounts Overview

Optimum Student Savings

Savings

1.00% APY

StableNo rate changes in last 7 days

Min: $10 Branch Access

Rank #160 of 337 tracked.

Optimum Savings

Savings

0.05% APY

StableNo rate changes in last 7 days

Min: $10 Branch Access

Rank #305 of 337 tracked.

Plus One Money Market

Money Market

0.20% APY

Min: $10 Checking Bundle Branch Access

Optimum Money Market

Money Market

0.20% APY

Tiered Range: 0.05% - 0.20%

Min: $10 Branch Access

Market Reality Check

This institution offers rates below the top 10 savings and money market accounts we track. Those institutions all pay at least 4.01% APY.

See Top Rates

National Avg: 0.38% (FDIC, 8/1/2026).
Banksparency tracks live rates daily.

Bank Overview

HQ LocationStoneham, MA
Deposit InsuranceFDIC Insured(Cert: 26559)

Visit Official Website

Featured Offers

Axos ONE - High Yield Savings & Checking

Over 95,000 fee-free ATMs
Get paid up to 2 days early with Direct Deposit
One convenient app for spending & saving

FDIC Insured

Savings4.21%APY

Checking0.51%APY

Go to Axos Bank

FDIC or NCUA insured

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	0
Min. Balance in Savings Account	0
How to qualify for APY	OPTION ADirect Deposit $1,500+ AND Maintain $1,500+ avg daily checking balance. OR OPTION BDeposit $5,000+ total/mo AND Maintain $5,000+ avg daily checking balance.
Mobile Ratings	iOS:4.7 Android:4.5

The APY is available with the Axos ONE savings and checking bundle. The checking account also earns interest. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000.

EASY TRANSFERS, LOW MINIMUMS

SponsoredVerified Aug 19, 2026

FDIC Insured

Quontic High Yield Savings

Apply in 3 minutes or less
No monthly service fees
Transfer with Zelle, Apple Pay, G-Pay, and more

FDIC Insured

Savings3.20%APY

Go to Quontic Bank

FDIC or NCUA insured

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	10000
Min. Balance in Savings Account	0
Mobile Ratings	iOS:4.8 Android:4.9

Deposit Accounts: In-Depth View

Savings Accounts Offered by StonehamBank, A Co-operative Bank

Feature	Optimum Student Savings	Optimum Savings
APY	1.00%Verified: 8/19/2026	0.05%Verified: 8/19/2026
APY Trend	StableNo rate changes in last 7 days	StableNo rate changes in last 7 days
Min. Deposit	$10	$10
Min. Balance	$10	$10
Monthly Fee	N/A	N/A
Direct Deposit	None	None
Checking Bundle	No	No
In-Branch Access	Yes	Yes
Compounding	N/A	N/A
FDIC Insured	Yes	Yes
Eligibility	United States	United States
Next Steps	-	-

Interactive Tool

Calculate Savings for StonehamBank, A Co-operative Bank

All calculations are based on APY.

Choose savings account

Initial deposit

Recurring deposit

Frequency

Duration

Savings Breakdown

Interest Earned
+$377.30(2.6%)
Total Contributions
$13,000
Initial Deposit
$1,000

Projected Balance

$14,377.30

Effective APY

1.00%

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

StonehamBank, A Co-operative Bank Deposit Rates Over Time

No historical data available.

Compare with StonehamBank, A Co-operative Bank

Feature	Current View StonehamBank, A Co-operative Bank	Empty Slot
Product		-
APY	1.00%Verified: 8/19/2026	-
APY Trend	StableNo rate changes in last 7 days	-
Min. Deposit	$10	N/A
Monthly Fee	N/A	-
Direct Deposit	No	-
Checking Bundle	No	-
In-Branch Access	Yes	-
Eligibility	United States	-
Compounding	N/A	-
FDIC or NCUA Insured	Yes	-
Next Steps	-	-

CD Overview

3.85% Highest APY

Across 17 CD products with terms: 18 months, 60 months, 48 months, 36 months, 24 months, 12 months, 9 months, 6 months, 17 months

CD Products Offered by StonehamBank, A Co-operative Bank

Feature	IRA 6-Month CD 6 months	6-Month CD 6 months	IRA 9-Month CD Special 9 months	9-Month CD Special 9 months	IRA 12-Month CD 12 months	12-Month CD 12 months	17-Month CD Special 17 months	IRA 18-Month CD 18 months	18-Month CD 18 months	IRA 24-Month CD 24 months	24-Month CD 24 months	IRA 36-Month CD 36 months	36-Month CD 36 months	IRA 48-Month CD 48 months	48-Month CD 48 months	IRA 60-Month CD 60 months	60-Month CD 60 months
APY	0.35%Verified: 8/19/2026	0.35%Verified: 8/19/2026	3.85%Verified: 8/19/2026	3.85%Verified: 8/19/2026	0.35%Verified: 8/19/2026	0.35%Verified: 8/19/2026	3.50%Verified: 8/19/2026	3.00%Verified: 8/19/2026	3.00%Verified: 8/19/2026	3.25%Verified: 8/19/2026	3.25%Verified: 8/19/2026	3.25%Verified: 8/19/2026	3.25%Verified: 8/19/2026	3.25%Verified: 8/19/2026	3.25%Verified: 8/19/2026	3.25%Verified: 8/19/2026	3.25%Verified: 8/19/2026
Term	6 months	6 months	9 months	9 months	12 months	12 months	17 months	18 months	18 months	24 months	24 months	36 months	36 months	48 months	48 months	60 months	60 months
Min. Deposit	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000
Early Withdrawal	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FDIC Insured	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes

StonehamBank, A Co-operative Bank CD Rates Over Time

Not enough rate history to show a chart. We have CD rates for this bank from one day only. The chart shows when we collect more data.

Money Market Accounts Offered by StonehamBank, A Co-operative Bank

Feature	Plus One Money Market	Optimum Money Market
APY	0.20%Verified: 8/19/2026	0.20%Range: 0.05% - 0.20%Verified: 8/19/2026
Min. Deposit	$10	$10
Min. Balance	$10	$10
Monthly Fee	N/A	N/A
Direct Deposit	None	None
In-Branch Access	Yes	Yes
Compounding	Monthly	Monthly
FDIC Insured	Yes	Yes
Eligibility	United States	United States

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