Bank · FDIC insured
Winchester Co-operative Bank CD Rates
Top CarrotWinchester Co-operative Bank’s best CD rate is 4.30% APY on a 2-year CD. Terms run from 6 months to 3 years. Rates checked October 15, 2026.
How Winchester Co-operative Bank’s CD rates compare
Compared with banks and credit unions near Boston, MA-NH, where Winchester Co-operative Bank has the most branches. $10,000, best rate first.
This bank’s best
Winchester Co-operative Bank
4.30%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $878
Term Deposit Certificates (TDC)
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
Winchester Co-operative Bank CD score
94
CD score
Higher than 96% of U.S. banks and credit unions
- 3–8 months3–8 mo3.90%
- 9–15 months9–15 mo4.15%
- 16–30 months16–30 mo4.30%
- 31–60 months31–60 mo4.30%
- QualifiedQualified4.30%
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 Winchester Co-operative 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.
Term Deposit Certificates (TDC)
Up to 4.30%APY · 7 terms
Penalty may be applied on funds withdrawn prior to maturity for all term deposit certificates. Fees charged could reduce earnings on an account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| Unknown91 Day TDC. Minimum daily balance to obtain APY $10.00. Minimum deposit to open is $500.00 | 3.50% | $0 |
| 6 months6 Month TDC. Minimum daily balance to obtain APY $10.00. Minimum deposit to open $500.00 | 3.90% | $193 |
| 12 months12 Month TDC. Minimum daily balance to obtain APY $10.00. Minimum deposit to open is $500.00 | 4.15% | $415 |
| 18 months18 Month TDC. Minimum daily balance to obtain APY $10.00. Minimum deposit to open is $500.00 | 4.15% | $629 |
| 24 months24 Month TDC. Minimum daily balance to obtain APY $10.00. Minimum deposit to open is $500.00 | 4.30% | $878 |
| 30 months30 Month TDC. Minimum daily balance to obtain APY $10.00. Minimum deposit to open is $500.00 | 4.30% | $1,110 |
| 36 months36 Month TDC. Minimum daily balance to obtain APY $10.00. Minimum deposit to open is $500.00 | 4.30% | $1,346 |
Special-purpose accounts
Traditional/Roth IRA Term Deposit Certificates (TDC)
Up to 4.30%APY · 5 terms
Penalty may be applied on funds withdrawn prior to maturity for all term deposit certificates. Fees charged could reduce earnings on an account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months12 Month IRA TDC. Minimum daily balance to obtain APY $10.00. Minimum deposit to open is $1.00 | 4.15% | $415 |
| 18 months18 Month IRA TDC. Minimum daily balance to obtain APY $10.00. Minimum deposit to open is $1.00 | 4.15% | $629 |
| 24 months24 Month IRA TDC. Minimum daily balance to obtain APY $10.00. Minimum deposit to open is $1.00 | 4.30% | $878 |
| 30 months30 Month IRA TDC. Minimum daily balance to obtain APY $10.00. Minimum deposit to open is $1.00 | 4.30% | $1,110 |
| 36 months36 Month IRA TDC. Minimum daily balance to obtain APY $10.00. Minimum deposit to open is $1.00 | 4.30% | $1,346 |
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.