Bank · FDIC insured
Reading Cooperative Bank Savings Rates
Top CarrotReading Cooperative Bank’s best savings rate is 3.00% APY on $10,000, with its Cash Booster Money Market. Rates checked October 15, 2026.
How Reading Cooperative Bank’s savings rates compare
Compared with banks and credit unions near Boston, MA-NH, where Reading Cooperative Bank has the most branches. $10,000, best rate first.
This bank’s best
Reading Cooperative Bank
3.00%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $300
Cash Booster Money Market
Top rate
Leader Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $10
- Earns on $10,000 a year
- $500
2nd-highest rate
Albright Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $500
Reading Cooperative Bank savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0003.00%
- $100,000 balance$100,0003.00%
- QualifiedQualified3.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Reading Cooperative Bank ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Cash Booster Money Market
3.00%APY
Monthly maintenance fee of $12.00 if balance falls below $2,500.00 any day of the cycle. $10.00 minimum balance to open stated in overview ($100.00 in rate schedule).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10Minimum balance to earn APY: Bal.<$10.00. Monthly maintenance fee of $12.00 if balance falls below $2,500.00 any day of the cycle. | 0.00% | — | Minimum balance to earn APY: Bal.<$10.00. Monthly maintenance fee of $12.00 if balance falls below $2,500.00 any day of the cycle. |
| Up to $2,500Minimum balance to earn APY: Bal.>$9.99 and <$2,500.00. Monthly maintenance fee of $12.00 if balance falls below $2,500.00 any day of the cycle. | 0.05% | — | Minimum balance to earn APY: Bal.>$9.99 and <$2,500.00. Monthly maintenance fee of $12.00 if balance falls below $2,500.00 any day of the cycle. |
| $2,500 – $10,000Minimum balance to earn APY: Bal.>$2,499.99 and <$10,000.00. Monthly maintenance fee of $12.00 if balance falls below $2,500.00 any day of the cycle. | 3.00% | — | Minimum balance to earn APY: Bal.>$2,499.99 and <$10,000.00. Monthly maintenance fee of $12.00 if balance falls below $2,500.00 any day of the cycle. |
| $10,000 – $25,000Minimum balance to earn APY: Bal.>$9,999.99 and <$25,000.00. Monthly maintenance fee of $12.00 if balance falls below $2,500.00 any day of the cycle. | 3.00% | $300 | Minimum balance to earn APY: Bal.>$9,999.99 and <$25,000.00. Monthly maintenance fee of $12.00 if balance falls below $2,500.00 any day of the cycle. |
| $25,000 – $50,000Minimum balance to earn APY: Bal.>$24,999.99 and <$50,000.00. Monthly maintenance fee of $12.00 if balance falls below $2,500.00 any day of the cycle. | 3.00% | — | Minimum balance to earn APY: Bal.>$24,999.99 and <$50,000.00. Monthly maintenance fee of $12.00 if balance falls below $2,500.00 any day of the cycle. |
| $50,000 – $100,000Minimum balance to earn APY: Bal.>$49,999.99 and <$100,000.00. Monthly maintenance fee of $12.00 if balance falls below $2,500.00 any day of the cycle. | 3.00% | — | Minimum balance to earn APY: Bal.>$49,999.99 and <$100,000.00. Monthly maintenance fee of $12.00 if balance falls below $2,500.00 any day of the cycle. |
| $100,000 and upMinimum balance to earn APY: Bal. $100,000 and More. Monthly maintenance fee of $12.00 if balance falls below $2,500.00 any day of the cycle. | 3.00% | — | Minimum balance to earn APY: Bal. $100,000 and More. Monthly maintenance fee of $12.00 if balance falls below $2,500.00 any day of the cycle. |
Sources (2)
All captured Oct 15, 2026
Money Market Deposit Accounts
0.05%APY
Minimum daily balance of $10 to earn annual percentage yield.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Minimum daily balance of >$9.99 and <$2,500.00 to earn APY. | 0.05% | — | Minimum daily balance of >$9.99 and <$2,500.00 to earn APY. |
| $2,500 – $10,000Minimum daily balance of >$2,499.99 and <$10,000.00 to earn APY. | 0.05% | — | Minimum daily balance of >$2,499.99 and <$10,000.00 to earn APY. |
| $10,000 – $25,000Minimum daily balance of >$9,999.99 and <$25,000.00 to earn APY. | 0.05% | $5 | Minimum daily balance of >$9,999.99 and <$25,000.00 to earn APY. |
| $25,000 – $50,000Minimum daily balance of >$24,999.99 and <$50,000.00 to earn APY. | 0.05% | — | Minimum daily balance of >$24,999.99 and <$50,000.00 to earn APY. |
| $50,000 – $100,000Minimum daily balance of >$49,999.99 and <$100,000.00 to earn APY. | 0.05% | — | Minimum daily balance of >$49,999.99 and <$100,000.00 to earn APY. |
| $100,000 and upMinimum daily balance of $100,000 and More to earn APY. | 0.10% | — | Minimum daily balance of $100,000 and More to earn APY. |
Sources (2)
All captured Oct 5, 2026
Green Online Savings
0.01%APY
Personal accounts only. Online Banking and monthly eStatements are required. Free ATM card (RCB will not charge cardholders to use any ATM; other ATM operators may impose a surcharge fee). Minimum daily balance of $10 or direct deposit to avoid monthly fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Variable rate. Minimum daily balance of $10.00 to earn APY (balance tier > $9.99 and < $50,000.00). Daily compounding (365/365). | 0.01% | $1 | Variable rate. Minimum daily balance of $10.00 to earn APY (balance tier > $9.99 and < $50,000.00). Daily compounding (365/365). |
| $50,000 – $100,000Variable rate. Balance tier > $49,999.99 and < $100,000.00. Daily compounding (365/365). | 0.01% | — | Variable rate. Balance tier > $49,999.99 and < $100,000.00. Daily compounding (365/365). |
| $100,000 – $200,000Variable rate. Balance tier > $99,999.99 and < $200,000.00. Daily compounding (365/365). | 0.01% | — | Variable rate. Balance tier > $99,999.99 and < $200,000.00. Daily compounding (365/365). |
| $200,000 and upVariable rate. Balance tier > $200,000.00 and More. Daily compounding (365/365). | 0.01% | — | Variable rate. Balance tier > $200,000.00 and More. Daily compounding (365/365). |
Sources (1)
- readingcoop.com/personal-savings · captured Oct 5, 2026
Passbook Savings
0.01%APY
Online access is limited to viewing history and making online transfers into a Passbook Account. Withdrawals and transfers out must be made with a Banking Specialist at an RCB branch. As an alternative to a personal loan, you may borrow against your passbook savings account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Variable rate. Minimum daily balance of $10.00 to earn APY (balance tier > $9.99 and < $50,000.00). Daily compounding (365/365). | 0.01% | $1 | Variable rate. Minimum daily balance of $10.00 to earn APY (balance tier > $9.99 and < $50,000.00). Daily compounding (365/365). |
| $50,000 – $100,000Variable rate. Balance tier > $49,999.99 and < $100,000.00. Daily compounding (365/365). | 0.01% | — | Variable rate. Balance tier > $49,999.99 and < $100,000.00. Daily compounding (365/365). |
| $100,000 – $200,000Variable rate. Balance tier > $99,999.99 and < $200,000.00. Daily compounding (365/365). | 0.01% | — | Variable rate. Balance tier > $99,999.99 and < $200,000.00. Daily compounding (365/365). |
| $200,000 and upVariable rate. Balance tier > $200,000.00 and More. Daily compounding (365/365). | 0.01% | — | Variable rate. Balance tier > $200,000.00 and More. Daily compounding (365/365). |
Sources (1)
- readingcoop.com/personal-savings · captured Oct 5, 2026
Statement Savings
0.01%APY
Online Banking available. Monthly eStatement and free ATM card (RCB will not charge cardholders to use any ATM; other ATM operators may impose a surcharge fee). Minimum daily balance of $10 or direct deposit to avoid monthly maintenance fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Variable rate. Minimum daily balance of $10.00 to earn APY (balance tier > $9.99 and < $50,000.00). Daily compounding (365/365). | 0.01% | $1 | Variable rate. Minimum daily balance of $10.00 to earn APY (balance tier > $9.99 and < $50,000.00). Daily compounding (365/365). |
| $50,000 – $100,000Variable rate. Balance tier > $49,999.99 and < $100,000.00. Daily compounding (365/365). | 0.01% | — | Variable rate. Balance tier > $49,999.99 and < $100,000.00. Daily compounding (365/365). |
| $100,000 – $200,000Variable rate. Balance tier > $99,999.99 and < $200,000.00. Daily compounding (365/365). | 0.01% | — | Variable rate. Balance tier > $99,999.99 and < $200,000.00. Daily compounding (365/365). |
| $200,000 and upVariable rate. Balance tier > $200,000.00 and More. Daily compounding (365/365). | 0.01% | — | Variable rate. Balance tier > $200,000.00 and More. Daily compounding (365/365). |
Sources (1)
- readingcoop.com/personal-savings · captured Oct 5, 2026
Special-purpose accounts
Online Christmas Savings
3.00%APY
Structured to budget and save for costly one-time or annual occasions with automatic transfers linked to RCB checking. Annual disbursement every October by check or internal transfer. Online products require personal accounts only, eStatements, and Online Banking.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upVariable rate. Minimum daily balance of $10.00 to earn APY (Bal. >= $10.00). Daily compounding (365/365). Annual disbursement every October by check or internal transfer.$10 and up | 3.00% | $300 | Variable rate. Minimum daily balance of $10.00 to earn APY (Bal. >= $10.00). Daily compounding (365/365). Annual disbursement every October by check or internal transfer. |
Sources (1)
- readingcoop.com/personal-savings · captured Oct 5, 2026
Health Savings Account
0.01%APY
Personal health savings account to cover high-deductible health plan costs and medical expenses; tax-free account allowing funds to roll over annually. Competitive tiered interest rates.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Variable rate. Balance tier Under $2,500 (Bal. > $9.99 and < $2,500.00). Daily compounding (365/365). | 0.01% | — | Variable rate. Balance tier Under $2,500 (Bal. > $9.99 and < $2,500.00). Daily compounding (365/365). |
| $2,500 – $5,000Variable rate. Balance tier $2,500 – $4,999.99 (Bal. > $2,499.99 and < $5,000.00). Daily compounding (365/365). | 0.01% | — | Variable rate. Balance tier $2,500 – $4,999.99 (Bal. > $2,499.99 and < $5,000.00). Daily compounding (365/365). |
| $5,000 – $10,000Variable rate. Balance tier $5,000 – $9,999.99 (Bal. > $4,999.99 and < $10,000.00). Daily compounding (365/365). | 0.01% | — | Variable rate. Balance tier $5,000 – $9,999.99 (Bal. > $4,999.99 and < $10,000.00). Daily compounding (365/365). |
| $10,000 – $100,000Variable rate. Balance tier $10,000 – $99,999.99 (Bal. > $9,999.99 and < $100,000.00). Daily compounding (365/365). | 0.01% | $1 | Variable rate. Balance tier $10,000 – $99,999.99 (Bal. > $9,999.99 and < $100,000.00). Daily compounding (365/365). |
| $100,000 and upVariable rate. Balance tier $100,000 & Over (Bal. $100,000 & More). Daily compounding (365/365). | 0.01% | — | Variable rate. Balance tier $100,000 & Over (Bal. $100,000 & More). Daily compounding (365/365). |
Sources (1)
- readingcoop.com/personal-savings · captured Oct 5, 2026
Online Vacation Savings
0.01%APY · 1 term
Requires a minimum $25/month transfer from a Reading Cooperative Bank checking or statement savings account to obtain stated APY. Minimum term of 4 months; must pay out or roll over in 12 months or less. If any withdrawal amount is made before the end of the term or if funds are unavailable for transfer for two consecutive months, account may be closed. Online products require eStatements and Online Banking.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 4–12 monthsVariable rate. Minimum daily balance of $10.00 to earn APY, plus minimum $25.00 monthly transfer from RCB checking or statement savings. Daily compounding (365/365). Minimum term of 4 months, disbursement between 4 and 12 months by check or internal transfer | 0.01% | $0 |
Sources (1)
- readingcoop.com/personal-savings · captured Oct 5, 2026
Student Passbook Savings
0.01%APY
Online Banking available. Online access for a Passbook Account is limited to viewing history and making online transfers into a Passbook Account; withdrawals and transfers out must be made with a Banking Specialist at an RCB branch.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50Variable rate. Balance tier > $9.99 and < $50.00. Daily compounding (365/365). | 0.01% | — | Variable rate. Balance tier > $9.99 and < $50.00. Daily compounding (365/365). |
| $50 and upVariable rate. Balance tier > $50.00. Daily compounding (365/365). | 0.01% | $1 | Variable rate. Balance tier > $50.00. Daily compounding (365/365). |
Sources (1)
- readingcoop.com/personal-savings · captured Oct 5, 2026
Student Statement Savings
0.01%APY
100% deposit insurance through FDIC and DIF. Free 24-hour online, mobile, and telephone banking. Interest compounded daily and credited monthly. Free ATM card with ATM surcharge rebate at non-RCB ATMs credited at the end of each monthly statement cycle.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50Variable rate. Balance tier > $9.99 and < $50.00. Daily compounding (365/365). | 0.01% | — | Variable rate. Balance tier > $9.99 and < $50.00. Daily compounding (365/365). |
| $50 and upVariable rate. Balance tier > $50.00. Daily compounding (365/365). | 0.01% | $1 | Variable rate. Balance tier > $50.00. Daily compounding (365/365). |
Sources (1)
- readingcoop.com/personal-savings · captured Oct 5, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.