Stoughton Co-operative Bank savings, CD and money market rates
Stoughton Co-operative Bank's Passbook Savings lists 0.03% APY. That is 0.35 percentage points below the national savings average of 0.38% (FDIC, Oct 2026).
Ranked #3028 of 3146 tracked savings rates by advertised APY. For a $10,000 balance it would rank #2911.
Estimate your earnings·What Stoughton Co-operative Bank actually pays
Stoughton Co-operative Bank at a glance
| Savings | |
|---|---|
| Top savings APY | 0.03% · Passbook Savings |
| Minimum to open | $10 · Passbook Savings |
| Against the national average | 0.35 percentage points below the 0.38% FDIC savings average (Oct 2026) |
| CDs | |
| Top CD APY | 3.85% · 13-17 months · 13-17 Month CD Special |
| Minimum to open | $500 · 13-17 months CD |
| Against the national average | 2.09 percentage points above the 1.76% FDIC 12-month CD average (Oct 2026) |
| Money market | |
| Top money market APY | 0.15% · Money Market Account · needs at least $2,500 |
| Minimum to open | $2,500 · Money Market Account |
| Against the national average | 0.48 percentage points below the 0.63% FDIC money market average (Oct 2026) |
| FDIC certificate | 26513 · Stoughton, MA |
|---|---|
| Website | www.stoughtoncoop.bank |
| Branches | 1 branch in MA |
| Availability | Available in MA |
Stoughton Co-operative Bank savings, CD and money market rates
Personal
How the rate applies
IRA
Rates are annual percentage yields (APY). A variable rate may change after the account is opened. Fees could reduce the earnings on the account. A penalty may be imposed for early withdrawal.
The national savings average is 0.38% (FDIC, Oct 2026). The top tracked savings rate on Banksparency is 12.00%. Across 59 savings accounts from 58 banks in the Banksparency core savings index, the median advertised rate is 3.66%, and one account in ten advertises 4.20% or more. See the highest savings rates.
Stoughton Co-operative Bank CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| Personal CDs | |||
| 6 months | 0.20% | $500 | 6 Month CD |
| 7 months | 3.65% | $500 | 7 Month CD Special |
| 12 months | 0.25% | $500 | 12 Month CD |
| 13-17 months | 3.85% | $500 | 13-17 Month CD Special |
| 18 months | 0.30% | $500 | 18 Month CD |
| 24 months | 0.40% | $500 | 24 Month CD |
| 30 months | 0.45% | $500 | 30 Month CD |
| 36 months | 0.50% | $500 | 36 Month CD |
| 48 months | 0.65% | $500 | 48 Month CD |
| IRA CDs | |||
| 6 months | 0.20% | $500 | 6 Month IRA CD |
| 12 months | 0.25% | $500 | 12 Month IRA CD |
| 18 months | 0.30% | $500 | 18 Month IRA CD |
| 24 months | 0.40% | $500 | 24 Month IRA CD |
| 30 months | 0.45% | $500 | 30 Month IRA CD |
| 36 months | 0.50% | $500 | 36 Month IRA CD |
| 48 months | 0.65% | $500 | 48 Month IRA CD |
Interactive Tool
Calculate Savings for Stoughton Co-operative Bank
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$187.40(1.3%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$14,187.40
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What Stoughton Co-operative Bank pays on deposits
FDIC call report data
An advertised rate tells you what a new savings account earns today. It cannot tell you how the bank has priced the savings and money market deposits it already holds, over time. This section shows that. The figure is computed from the interest expense and deposit balances that every bank files with the FDIC in the same form. That is what makes it comparable across banks and across quarters.
The two figures answer different questions, so they sit side by side and are not combined.
In Q2 2026, Stoughton Co-operative Bank paid a higher average rate on savings and money market deposits than 6% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- Stoughton Co-operative Bank, savings and money market
- All-bank median
How to read these figures
What the average covers. It is an average across the whole bank, taken from its own quarterly FDIC call report. It covers savings accounts and money market deposit accounts, personal and business, at every balance tier. It also covers accounts that were opened years ago and keep the rate of those years. The FDIC line does not separate consumer accounts.
The second figure. The scale row also shows the average across all interest-bearing deposits: savings, interest checking, money market accounts, CDs, personal and business. That figure covers the whole deposit book. The two are shown separately and are not combined.
What the advertised rate covers. It is the rate that this bank advertises now for a new savings account. Banksparency records it from the bank's website on the date shown beside it.
Why the two differ. They measure different things, so this page shows them side by side and keeps them apart. An advertised rate applies to one account, opened now, at today's price. The average also includes older savings balances at the rates of earlier years, money market balances that were priced in a different rate environment, and business accounts. An average below an advertised rate is the usual result of that arithmetic. On its own it is not evidence about the account that you would open.
What the average is useful for. The bank files the data itself, under reporting instructions that are the same for every filer, and the same computation runs for every bank on this site. That makes it comparable in a way that an advertisement is not. Two things on this page read it: the percentile, which shows where the quarter sits among all filers, and the chart, which shows the direction the figure has moved across quarters.
What the average cannot tell you. It cannot tell you the rate that you would earn. No single customer earns the average. For your rate, read the advertised rate above and the rate tables on this page, each with the date it was observed.
What to do next. Use the advertised rate to work out what a new account earns. Use the chart to see how the quarterly average has moved against the all-bank median. Then compare the advertised rate against the current rates on the savings-rate tables before you open an account.
Definitions: Call Report · Rate Paid on Deposits · Interest-Bearing Deposits · Front Book and Back Book · Deposit Rate Percentile
Average annualized rates paid on savings and money market deposits, and on all interest-bearing deposits, quarterly. The FDIC line for savings includes money market deposit accounts and business savings deposits and does not separate consumer accounts. Source: FDIC call report data, as reported; it may be amended. The percentile compares all FDIC filers, count-weighted. A missing quarter is suppressed, never interpolated. The percentile counts the banks that paid strictly less on savings and money market deposits, one vote per bank, among the banks that reported a figure for the quarter.
So what is the catch?
| Product | APY | Min to open | Min to earn | Balance cap | Monthly fee | Requirements | Rate type | 12-mo trend |
|---|---|---|---|---|---|---|---|---|
| Christmas Club | 0.50% | $10 | $0 | None | not stated | not stated | One rate | |
| Vacation Club | 0.50% | $10 | $0 | None | not stated | not stated | One rate | |
| Passbook Savings | 0.03% | $10 | $0 | None | not stated | not stated | One rate | |
| Fine print: A monthly fee applies unless a $10 minimum daily balance is maintained, and the bank does not publish the amount of that fee online. | ||||||||
| Statement Savings | 0.03% | $50 | $0 | None | not stated | not stated | One rate | |
| Money Market Account | 0.15% | $2,500 | $25 | None | not stated | not stated | Tiered | |
| Fine print: $2,500 is required to open the account. The lower rate band starts at $25, so it is reachable only by an account that has already fallen below the opening minimum. A monthly service fee applies unless a $2,500 daily balance is maintained, and the bank does not publish the amount of that fee online. | ||||||||
Rate type: one rate applies at every balance. A tiered rate changes with your balance. A promotional rate changes after the period shown. A balance cap is the largest balance the highest rate applies to.
The 12-month trend shows the highest advertised rate observed each day and includes promotional tiers where one applied.
CDs
| Product | Term | APY | Min to open | Early withdrawal fee | Compounding |
|---|---|---|---|---|---|
| Personal CDs | |||||
| 6 Month CD | 6 months | 0.20% | $500 | not stated | not stated |
| 7 Month CD Special | 7 months | 3.65% | $500 | not stated | not stated |
| 12 Month CD | 12 months | 0.25% | $500 | not stated | not stated |
| 13-17 Month CD Special | 13-17 months | 3.85% | $500 | not stated | not stated |
| 18 Month CD | 18 months | 0.30% | $500 | not stated | not stated |
| 24 Month CD | 24 months | 0.40% | $500 | not stated | not stated |
| 30 Month CD | 30 months | 0.45% | $500 | not stated | not stated |
| 36 Month CD | 36 months | 0.50% | $500 | not stated | not stated |
| 48 Month CD | 48 months | 0.65% | $500 | not stated | not stated |
| IRA CDs | |||||
| 6 Month IRA CD | 6 months | 0.20% | $500 | not stated | not stated |
| 12 Month IRA CD | 12 months | 0.25% | $500 | not stated | not stated |
| 18 Month IRA CD | 18 months | 0.30% | $500 | not stated | not stated |
| 24 Month IRA CD | 24 months | 0.40% | $500 | not stated | not stated |
| 30 Month IRA CD | 30 months | 0.45% | $500 | not stated | not stated |
| 36 Month IRA CD | 36 months | 0.50% | $500 | not stated | not stated |
| 48 Month IRA CD | 48 months | 0.65% | $500 | not stated | not stated |
Fine print for 2 CDs above: The opening deposit is capped at $250,000. The deposit must be new money to Stoughton Co-Operative Bank.
Opening and using the account
| Availability | Available in MA |
|---|---|
| Footprint | 1 branch in MA |
| Eligibility | not stated |
How Stoughton Co-operative Bank behaves over time
Every observation of the advertised Passbook Savings rate in the last 12 months was 0.03% (observed through Nov 2, 2026). The series includes promotional tiers where one applied.
Recent rate changes, as observed
- Obs. Oct 7, 20267 Month CD SpecialRaise:3.30%to3.65%
- Obs. Oct 7, 202613-17 Month CD SpecialRaise:3.55%to3.85%
- Obs. Sep 9, 202613-17 Month CD SpecialRaise:3.30%to3.55%
- Passbook Savings
- The same as 30 days ago.
- 13-17 months CD
- Up 0.30 percentage points from 30 days ago.
- Money Market Account
- The same as 30 days ago.
$10,000 at the 0.03% APY Stoughton Co-operative Bank advertises on Passbook Savings grows to $10,003 in a year. Prices rose 3.7% in the year to September 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $9,642 does today. See how the federal funds rate shapes savings rates.
Stoughton Co-operative Bank CD rates over time
Who is Stoughton Co-operative Bank?
| Headquarters | Stoughton, MA |
|---|---|
| Founded | 1886 |
| Scale | $135M assets · $117M deposits, $109M of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 26513 |
| Charter state | Massachusetts · one of 91 insured banks chartered there (Q2 2026, FDIC) |
| Size | 3,384th-largest by deposits of 4,238 insured banks (Q2 2026, FDIC) |
| Deposit growth | Higher than at 26% of 4,226 insured banks over the four quarters to Q2 2026 (FDIC) |
Financial detail is in What Stoughton Co-operative Bank pays on deposits above.
Common questions about Stoughton Co-operative Bank
Is Stoughton Co-operative Bank FDIC insured?
Yes. Stoughton Co-operative Bank is FDIC insured under certificate 26513, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at Stoughton Co-operative Bank?
Stoughton Co-operative Bank requires a minimum deposit of $10 to open its Passbook Savings account, as observed on Nov 2, 2026. Check the bank's current terms before you open an account.
Does Stoughton Co-operative Bank have branches?
Yes. Stoughton Co-operative Bank operates 1 branch according to FDIC branch records, in addition to its website and mobile apps.
Stoughton Co-operative Bank against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| Stoughton Co-operative Bank | 0.03% | 0.25% | $10 | 1 branch in MA |
| Armed Forces Bank, National Association | 0.03% | 0.97% | $25 | 15 branches across 10 states |
| Citizens Bank | 0.03% | 1.32% | $100 | 11 branches in WI |
| CNB Bank | 0.03% | 2.87% | not stated | 82 branches in NY, OH, PA, VA |
Each savings APY is the top rate of the account the bank's own page leads with. Alternatives are the three tracked banks whose savings APY is closest to Stoughton Co-operative Bank's.
Similar banks and related pages
Banks in the same rate band with the same product mix:
Other banks chartered in Massachusetts, nearest to Stoughton Co-operative Bank in deposits:
Rate hubs: today's highest savings rates, CD rates by term, and money market rates.
State pages: banks in Massachusetts.