Bank · FDIC insured
The Cooperative Bank CD Rates
The Cooperative Bank’s best CD rate is 3.75% APY on a 4-month CD. Terms run from 4 months to 5 years. Rates checked October 15, 2026.
How The Cooperative Bank’s CD rates compare
Compared with banks and credit unions near Boston, MA-NH, where The Cooperative Bank has the most branches. $10,000, best rate first.
This bank’s best
The Cooperative Bank
3.75%APY
- Term
- 4 months
- Minimum
- $1,000
- Earns on $10,000
- $123
Certificates of Deposit
Top rate
RiverWorks Credit Union
4.80%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $237
2nd-highest rate
Arise Financial
4.75%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,494
The Cooperative Bank CD score
69
CD score
Higher than 24% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo3.00%
- 31–60 months31–60 mo1.75%
- QualifiedQualified3.75%
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 The Cooperative Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 3.75%APY · 5 terms
Valid for personal accounts only. Maximum online account opening $250,000; accounts with higher balances will need to be opened at a branch office. Automatically renews at maturity. Early withdrawal penalties may apply.
| Term | APY · $1,000 – $1,000,000 | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 4 monthsInterest rate and APY will remain in effect until the first maturity date. Each renewal term will be 12-months at the interest rate and APY offered on a new 12-month time deposit on the maturity date. Maximum opening balance $1,000,000. Limited time offer | 3.75% | — | 3.75% | $123 |
| 8 monthsInterest rate and APY will remain in effect until the first maturity date. Each renewal term will be 12-months at the interest rate and APY offered on a new 12-month time deposit on the maturity date. Maximum opening balance $1,000,000. Limited time offer | 3.75% | — | 3.75% | $248 |
| 12 months | — | 3.00% | 3.00% | $300 |
| 36 months | — | 1.25% | 1.25% | $380 |
| 60 months | — | 1.75% | 1.75% | $906 |
Sources (1)
- thecooperativebank.com/rates · captured Oct 15, 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.