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Deposit Rates

Step Up Certificate of Deposit (CD)*
Personal or Business
(Effective: Friday, April 20, 2018)
ProgramMinimum Daily Balance
to earn APY
APY

24-Month Step Up CD

(Minimum balance to open account: $1,000)

$.01

2.30%

*Annual Percentage Yield (APY) effective as of 04/20/2018 and subject to change. Minimum deposit of $1,000 is required to open account. Minimum daily balance to earn APY $.01. Interest is compounded and posted monthly. Offer may be withdrawn at any time. A penalty will be imposed for early withdrawal. The Step-Up option is one time during the 24-month term. To exercise your option, you may come into the Bank. Your new rate will match our 24-Month Step Up CD rate available at that time. At maturity, your account will be automatically renewed as a 24-Month Step Up CD unless you instruct us otherwise. No brokered CDs, institutional, or out-of-market deposits. 

 

Certificate of Deposit (CD) Specials*
Personal or Business
(Effective: Friday, April 20, 2018)
ProgramMinimum Daily Balance
to earn APY
APY

10 Month CD

(Minimum balance to open account: $2,500)

$.01

1.90%

*Annual Percentage Yield (APY) effective 04/20/18 and subject to change without notice. Interest is compounded and posted monthly. Substantial penalty for early withdrawal. Minimum deposit of $2,500 is required to open account. Minimum daily balance to earn APY $.01. No brokered CDs, institutional, or out-of-market deposits. 

CD or Individual Retirement Account (IRA)*
(Effective: Friday, April 20, 2018)
ProgramMinimum Daily Balance
to earn APY
APY
91 Day CD
(Minimum balance to open account: $2,500)
$.01 0.50%
6 Month CD
(Minimum balance to open account: $2,500)
$.01 0.85%
7 Month CD
(Minimum balance to open account: $2,500)
$.01 0.95%
10 Month CD
(Minimum balance to open account: $2,500)
$.01 1.90%
1 Year CD
(Minimum balance to open account: $1,000)
$.01 1.50%
15 Month CD
(Minimum balance to open account: $1,000)
$.01 1.85%
18 Month CD
(Minimum balance to open account: $1,000)
$.01 1.60%
20 Month CD 
(Minimum balance to open account: $1,000)
$.01 2.05%
2 Year CD
(Minimum balance to open account: $1,000)
$.01 1.70%
30 Month CD
(Minimum balance to open account: $1,000)
$.01 1.70%
3 Year CD
(Minimum balance to open account: $1,000)
$.01 1.75%
4 Year CD
(Minimum balance to open account: $1,000)
$.01 1.80%
5 Year CD
(Minimum balance to open account: $1,000)
$.01 1.85%

*APY is Annual Percentage Yield.
Withdrawals on certificates prior to maturity are not usually permitted by Walpole Co-operative Bank. If a withdrawal should be allowed, a substantial penalty may be imposed for early withdrawals before maturity.

Checking Accounts1,2*
(Effective: Friday, April 20, 2018)
ProgramMinimum Daily Balance
to earn APY
APY
High Rate Checking Account 
*APY is Annual Percentage Yield.
Minimum balance to avoid fee: $2,500
Minimum balance to open account: $20
Over $50,000.00
$20,000.00 to $49,999.99
$10,000.00 to $19,999.99
$0.01 to $9,999.99
0.50%
0.25%
0.15%
0.10%
Easy Interest Checking Account
Minimum balance to avoid fee: $500

 *APY is Annual Percentage Yield.
Minimum balance to open accounts: $20

$.01 0.05%
Personal Money Market Account1,2,3*
(Effective: Friday, April 20, 2018)
ProgramMinimum Daily Balance
to earn APY
APY
Money Market Account
*APY is Annual Percentage Yield.
Minimum balance to avoid fee: $1,000
Minimum balance to open account: $20
Over $50,000.00
$20,000.00 to $49,999.99
$10,000.00 to $19,999.99
$0.01 to $9,999.99
0.50%
0.35%
0.30%
0.25%
     
Business Money Market Account1,2,3*
(Effective: Friday, April 20, 2018)
ProgramMinimum Daily Balance
to earn APY
APY
Money Market Account
*APY is Annual Percentage Yield.
Minimum balance to avoid fee: $1,000
Minimum balance to open account: $20
Over $50,000.00
$20,000.00 to $49,999.99
$10,000.00 to $19,999.99
$0.01 to $9,999.99
0.50%
0.35%
0.30%
0.25%
     
Statement Savings Account1,2,3*
(Effective: Friday, April 20, 2018)
ProgramMinimum Daily Balance
to earn APY
APY
Statement Savings Account
*APY is Annual Percentage Yield.
Minimum balance to avoid fee: $0
Minimum balance to open account: $10
$0.01 0.20%
Business Statement Savings Account1,2,3*
(Effective: Friday, April 20, 2018)
ProgramMinimum Daily Balance
to earn APY
APY
Statement Savings Account
*APY is Annual Percentage Yield.
Minimum balance to avoid fee: $0
Minimum balance to open account: $10
$0.01 0.20%

Important account information

Annual Percentage Yield (APY) assumes interest remains on deposit for one year. Withdrawal of interest will reduce earnings. Interest is computed daily and compounded on a monthly basis.

  1. Variable Interest - This means that the rate may change after the account is opened.
  2. Fees could reduce earnings on your account. Please refer to the Schedule of Account fees brochure or see a Bank employee for more information about terms and charges.
  3. You are permitted or authorized to make no more than six transfers and withdrawals, or a combination of such transfers and withdrawals, per statement cycle to another account at this Bank or to a third party by means of a preauthorized or automatic transfer, or telephonic (including data transmission) agreement, order or instruction, debit card, or similar order and payable to third parties.

Your Deposits are Insured in Full.

At Walpole Co-operative Bank, every deposit is insured in full. Each depositor is insured to at least $250,000.00 by the Federal Deposit Insurance Corporation (FDIC). All deposits over and above this amount are covered by the Share Insurance Fund (SIF), established by the legislature in 1934 to protect deposits in Massachusetts-chartered co-operative banks. There are no maximum account limitations or amount limitations.

This is your Bank!

For more information about our products or services, please use our information request form or give us a call at (508) 668-1080.