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With Fidelity Bank’s Mobile Banking app, you can access your account, transfer funds, pay your bills or check your balance from anywhere at anytime.

To learn how we protect your privacy, please visit

Version 2021.6.0.40

- Enhancement to recurring transfer flow
- Badge display for new navigation
- Improved app logout behavior
- General maintenance and defect fixes

Ratings and Reviews

The ease of use is incredible!!!

I absolutely love the flexibility I have at my fingertips with my own money!!! I can have what I want where and when I want it. Since I’m new to fidelity, I’ve had to call their call center and the customer service has been top notch!!!

Excellent App

Easy Mobile deposits !! Site well organized

Great bank

I hope to save a lot

The developer, Fidelity Bank MA, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Purchases
  • Financial Info
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

Privacy practices may vary, for example, based on the features you use or your age. Learn More


Fidelity Co-operative Bank

32.3 MB


Requires iOS 13.0 or later.
Requires iPadOS 13.0 or later.
iPod touch
Requires iOS 13.0 or later.

English, Traditional Chinese

Age Rating

© 2021



  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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Fidelity Co-operative Bank Review

SmartAsset's Overall Rating






Service Quality


Financial Health


Key Highlights

  • Live Chat Customer Service
  • Low Fees
  • Highly-Rated Mobile App
  • Multiple Banking Products


Fidelity Co-operative Bank first started operating in 1888 with headquarters located in Fitchburg, Massachusetts. It has assets of $820 million as well as deposits totaling $700 million, classifying it as a medium-size bank. Fidelity Co-operative Bank has above-average customer service access with a live chat feature, great for getting help during the work week. It is a traditional brick-and-mortar bank with in-person service, in addition to its online and mobile offerings. At a SmartAsset rating of 4.4 out of 5 stars, Fidelity Co-operative Bank should be solidly in contention for your choice of bank. Fidelity Co-operative Bank has the full selection of product offerings, including savings accounts, checking accounts, money market accounts, CDs, IRAs, mortgage products and credit cards. It has a fair savings rate; other popular banks have higher rates. If you're looking for a checking account for everyday use, the bank's standard checking does not carry a monthly maintenance charge. Institutions that offer free checking as well as a high savings APY are the best bet for getting the most income on your deposits alongside convenient access to your funds.

How We Rated It

SmartAsset's Overall Rating

The is a weighted average of rates, fees, service quality and financial health.Read more

When a component rating is unavailable, the overall rating is calculated as an average of the remaining available ratings.

The Rates rating represents an aggregate of interest rates for specific bank products measured against the national average interest rate for each product. Product interest rates may vary by branch. Rates shown reflect the highest available nationwide.
The Fees rating is an assessment of the bank's fees measured against the national average fee amount for particular services and is also affected by whether or not the bank refunds ATM fees.
Service Quality
The Customer Experience rating is a weighted average of the Mobile Rating and the Consumer Satisfaction Score, which is based on complaints brought to the Consumer Financial Protection Bureau (CFPB).
Financial Health
The Financial Health rating is based on the Texas Ratio, an indicator that warns of credit problems at particular banks: anything less than 5% is considered Excellent; less than 20% is Very Good; less than 50% is Good; less than 90% is Fair; and over 90% is Poor.


With a savings rate of 0.10%, Fidelity Co-operative Bank ranks poorly in comparison to the average U.S. bank. Its one-year CD has a rate of 0.60% and the five-year CD earns at a rate of 1.50%, while its highest-yielding money market account earns at an APY of 0.20%. Given its noncompetitive savings rate, you should consider opting for higher earning savings accounts with other banks.

How Fidelity Co-operative Bank's Savings Rates Compare

Fidelity Co-operative BankSavings0.10National Average0.09Compare Offers

Back to Overview


On average, Fidelity Co-operative Bank charges customers extremely low fees in comparison to other U.S. banks. With no monthly fee, Fidelity Co-operative Bank is perfect for people who want a simple banking experience. Fidelity Co-operative Bank unfortunately does not refund out-of-network ATM charges, which means you'll need to search for a Fidelity Co-operative Bank ATM or accept the withdrawal fee.

Monthly Fee$0National Average: $3.21

Non-network ATM FeeN/ANational Average: $1.20

Overdraft FeeN/ANational Average: $35.00

Back to Overview

Service Quality

Fidelity Co-operative Bank is a brick-and-mortar bank, with 13 total branches in Massachusetts. With mobile and web apps, Fidelity Co-operative Bank makes account access straightforward, even on the go. Fidelity Co-operative Bank also offers a live chat feature, key for getting quick access to customer service. Fidelity Co-operative Bank's online and mobile banking platforms get great feedback from users. The Fidelity Co-operative Bank mobile app is rated at 4.6 out of 5 (with 320 ratings on iOS and Android) compared to the national average of 3.8. Fidelity Co-operative Bank's mobile app lets you manage your finances by monitoring account balances, transferring money and accessing support representatives. Fidelity Co-operative Bank receives an outstanding consumer satisfaction score based on relatively few consumer complaints reported to the Consumer Financial Protection Bureau (CFPB), a government financial agency that protects consumers in the financial sector.

Overall Mobile Rating4.6/5

Consumer Satisfaction Rating5.0/5

Online Banking PortalNo

Live ChatYes

Back to Overview

Financial Health

Fidelity Co-operative Bank ranks as a medium-size bank and handles $820 million in assets and $700 million in deposits. Fidelity Co-operative Bank's Texas Ratio is 2.12%, suggesting that the bank is in excellent financial shape and far from failure. Additionally, Fidelity Co-operative Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis


High Risk75%50%20%10%Low Risk

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

Back to Overview

Compare Fidelity Co-operative Bank to Other Competitive Offers

Products Offered

ProductCurrent Terms and RatesMinimum Balance for APY
Savings Account 0.1% APY $10
Certificates of Deposit
  • 12 Month: 0.60% APY
  • 24 Month: 0.70% APY
  • 36 Month: 0.85% APY
  • 48 Month: 1.15% APY
  • 60 Month: 1.50% APY
$1 for all terms
Money Market Accounts 0.15% APY 0.2% APY $10000 $15000

Fidelity Co-operative Bank has several deposit products including savings accounts, checking accounts, money market accounts and CDs to give you many options to manage your money. Fidelity Co-operative Bank does not have the best savings rate, which means you should consider other options for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. Fidelity Co-operative Bank's CD rates are fair in comparison to other U.S. banks.

Back to Overview

Find a Fidelity Co-operative Bank Near Me

Fidelity Co-operative Bank has 13 locations across the U.S.

Back to Overview

Save more with these rates that beat the National Average

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Branch Locations


  • Berkeley
    1995 University Ave.
    Suite #120
    Berkeley, CA 94704
  • Brea Orange County
    815 East Birch Street
    Brea, CA 92821
  • Burbank
    2900 W Alameda Avenue
    Suite 150
    Burbank, CA 91505
  • Burlingame
    1411 Chapin Avenue
    Burlingame, CA 94010
  • Rancho Cucamonga
    7310 Day Creek Boulevard
    Rancho Cucamonga, CA 91739
  • Del Mar
    11943 El Camino Real
    Suite 120
    San Diego, CA 92130
  • Dublin
    4500-A Tassajara Road
    Dublin, CA 94568
  • Folsom
    2600 E. Bidwell Street
    Suite 200
    Folsom, CA 95630
    By appointment only
  • Irvine
    2211 Michelson Drive
    Irvine, CA 92612
  • LA Century
    City 2000 Avenue of the Stars
    Los Angeles, CA 90067
  • LA Pasadena
    123 South Lake Avenue
    Pasadena, CA 91101
  • LA South Bay
    21701 Hawthorne Boulevard
    Torrance, CA 90503
  • Los Gatos
    434 N. Santa Cruz Ave.
    Los Gatos, CA 95030
  • Marin
    Larkspur Landing Shopping Center
    601 Larkspur Landing Circle
    Larkspur, CA 94939
  • Mission Viejo
    27101 Puerta Real
    Suite 160
    Mission Viejo, CA 92691
  • Monterey
    553 Munras Ave.
    Monterey, CA 93940
  • Mountain View
    2580 West El Camino Real
    Suite 9
    Mountain View, CA 94040
  • Newport Beach
    1600 Newport Center Drive
    Suite 100
    Newport Beach, CA 92660
  • North San Jose
    4160 North First Street
    San Jose, CA 95134
  • Palo Alto
    251 University Avenue
    Palo Alto, CA 94301
  • Rancho Bernardo
    16656 Bernardo Center Drive
    Rancho Bernardo, CA 92128
  • Roseville
    1220 Roseville Parkway
    Suite 100
    Roseville, CA 95678
  • Sacramento
    2277 Fair Oaks Boulevard
    Suite 150
    Sacramento, CA 95825
  • San Diego
    7676 Hazard Center Drive
    Suite 820
    San Diego, CA 92108
  • San Francisco
    8 Montgomery Street
    San Francisco, CA 94104
  • San Jose
    851 East Hamilton Avenue
    Suite 100
    Campbell, CA 95008
  • Santa Barbara
    3793 State Street
    Santa Barbara, CA 93105
  • Santa Monica
    1200 Wilshire Blvd.
    Santa Monica, CA 90403
  • Seal Beach
    12201 Seal Beach Blvd.
    Seal Beach, CA 90740
  • Sunnyvale
    398 West El Camino Real
    Suite 102
    Sunnyvale, CA 94087
  • Thousand Oaks
    111 South Westlake Boulevard #103
    Thousand Oaks, CA 91362
  • Walnut Creek
    2001 North Main Street
    Suite 100
    Walnut Creek, CA 94596
  • Woodland Hills
    6326 Canoga Avenue
    Woodland Hills, CA 91367



Fidelity Bank, Family Federal Savings merger announced

Fidelity Bank of Leominster and Family Federal Savings of Fitchburg said Tuesday they will merge to create an institution with just over $1 billion in assets.

The deal brings together two institutions that trace their roots back more than 100 years and creates a network of 15 offices with little overlap.

Fidelity Chairman and Chief Executive Edward F. Manzi Jr., who will lead the merged bank, called the combination a strong cultural fit. Fidelity will gain a foothold in new communities, while Family Federal offices will be able to beef up offerings to small business, he said.

“They bring two new markets to us, Stow and Needham,” Mr. Manzi said. “I think those have great potential.”

The combination is the latest in a string of mergers among Central Massachusetts community banks. The race for deposits and the costs of new banking technologies and regulatory requirements have pushed together banks such as bankHOMETOWN of Oxford and Millbury Savings Bank of Millbury.

Fidelity also has been a significant player in mergers. The agreement with Family Federal is the third since mid-2014. Fidelity previously acquired Colonial Co-operative Bank and Barre Savings Bank.

Fidelity is the significantly larger partner in the new deal, with nearly $976 million in assets as of March 31, according to a regulatory filing. Family Federal had nearly $98 million in assets.

Fidelity has offices in Leominster, Worcester, Fitchburg, Gardner, Barre, Shirley, Millbury, Paxton, Princeton and Winchendon. Family Federal’s branches are in Fitchburg, Stow and Needham.

The banks plan to combine under Fidelity’s state bank charter. Family Federal President and CEO David R. Brassard will become Fidelity executive vice president and senior strategy officer.

“Merging with Fidelity Bank, one of the strongest independent local community banks in Massachusetts, will afford us the size and expertise to compete effectively in today’s competitive marketplace,” Mr. Brassard said.

Family Federal employees will become Fidelity employees. Two Family Federal directors will become Fidelity directors. No layoffs are currently planned, Mr. Manzi said.

The merged bank will assess its branch network over the next year to determine what, if anything, to do in markets where there is overlap, according to Mr. Manzi.

The deal must still be approved by state and federal regulators. Mr. Manzi said officials hope to complete the merger by the end of 2019 or early 2020.


Ma fidelity bank

Fidelity Bank

Mortgage Rates

Deposit Rates

Loan Rates

Mortgage Rates

Home Equity Rates

Please note that the interest rate and fees shown here are available to borrowers with an excellent credit history. The actual interest rate and fees available to you will be based on your credit history and may be different than the rates displayed here.

Please contact your local branch office or call 1-800-388-4380 for details.


Mortgage Programs

Home is a place to raise a family and keep them safe and secure. That's why buying your home is a big decision.

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Financial Calculators

From mortgages to retirement plans, our calculators allow you to estimate the value of a loan or deposit from just about every financial product you might need.

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Mortgage Team

Buying a home is a big decision. It can be stressful enough without having to rearrange your schedule to meet a lender or wait weeks to find out if your loan is approved.

Learn More

  • The interest rates, annual percentage rates (APRs), and discount points shown are subject to change without notice.
  • The monthly payment amount shown includes principal, interest, and mortgage insurance, if required. Your actual monthly payment will be higher if an escrow account is established or required.
  • Your APR will vary based on your final loan amount and finance charges.
  • All mortgage rates are based on auto pay from a Fidelity Bank checking account. Should you choose not to use auto pay, then your rate will be .25% higher then displayed above.


Rates are based on purchase transactions for primary and secondary residences with 20% down and credit scores of 740 or greater.  

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