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Term Deposit Certificates

Winchester Co-operative Bank has the accounts neighbors need to make the most of their savings with fixed-rate, fixed-term accounts. 

Stop by one of our offices to open your new account today.

Get Peace of Mind with Full Deposit Protection

Your deposit accounts are protected in full through a combination of Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF) insurance. Click here for information about Deposit Insurance.

Term Deposit Certificates (TDC)

TermInterest RateAPY***
91 Day TDC3.45%3.50%
6 Month TDC3.83%3.90%
12 Month TDC3.69%3.75%
18 Month TDC3.45%3.50%
24 Month TDC3.45%3.50%
30 Month TDC3.45%3.50%
36 Month TDC3.45%3.50%
***Annual Percentage Yield (APY) effective 02/01/2026 and subject to change. Penalty may be applied on funds withdrawn prior to maturity for all term deposit certificates. Fees charged could reduce earnings on an account. Minimum daily balance to obtain APY $10.00. Minimum deposit to open is $500.00

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