{"id":8301,"date":"2025-08-12T09:12:51","date_gmt":"2025-08-12T09:12:51","guid":{"rendered":"https:\/\/lemonn.co.in\/blog\/?post_type=banking&#038;p=8301"},"modified":"2025-08-12T09:12:51","modified_gmt":"2025-08-12T09:12:51","slug":"co%e2%80%91operative-bank-fixed-deposit-fd-interest-rates-2025","status":"publish","type":"banking","link":"https:\/\/lemonn.co.in\/blog\/banking\/co%e2%80%91operative-bank-fixed-deposit-fd-interest-rates-2025\/","title":{"rendered":"Co\u2011Operative Bank Fixed Deposit (FD) Interest Rates\u00a02025"},"content":{"rendered":"\n<p>Co\u2011operative banks often offer higher deposit rates than commercial banks to attract customers. According to BankBazaar, interest rates at select co\u2011operative banks range between <strong>5.40\u00a0% and 8.00\u00a0%<\/strong> for regular customers. Senior citizens usually receive an additional 0.50\u00a0% to 0.60\u00a0%. For example, Repco Bank offers <strong>7.50\u00a0%<\/strong> (general) and <strong>8.00\u00a0%<\/strong> (senior) for 18\u201324\u2011month deposits; the Andhra Pradesh State Co\u2011operative Bank pays <strong>6.00\u00a0%<\/strong> (general) for one\u2011year deposits; Bharat Co\u2011operative Bank offers <strong>7.30\u00a0%<\/strong> for 1\u201118\u2011month deposits; and Saraswat Bank pays <strong>7.25\u00a0%<\/strong> for about two years.<\/p>\n\n\n\n<h2 id='sample-co-operative-bank-fd-rates'  id=\"boomdevs_1\" class=\"wp-block-heading\">Sample Co\u2011operative Bank FD Rates<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Co\u2011operative bank<\/th><th>General rate<\/th><th>Senior citizen rate<\/th><\/tr><\/thead><tbody><tr><td>Repco Bank (18\u201324&nbsp;months)<\/td><td>7.50\u00a0%<\/td><td>8.00\u00a0%<\/td><\/tr><tr><td>Bharat Co\u2011operative Bank (1\u201318&nbsp;months)<\/td><td>7.30\u00a0%<\/td><td>7.80&nbsp;%<\/td><\/tr><tr><td>Andhra Pradesh State Co\u2011operative Bank (1&nbsp;year)<\/td><td>6.00\u00a0%<\/td><td>6.60&nbsp;%<\/td><\/tr><tr><td>Saraswat Bank (~2&nbsp;years)<\/td><td><\/td><td>7.75&nbsp;%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Co\u2011operative banks may have slightly higher risk than large commercial banks due to their smaller scale. Deposits are insured up to \u20b95&nbsp;lakh under the Deposit Insurance and Credit Guarantee Corporation (DICGC). Always confirm the bank\u2019s financial health and authenticity before investing.<\/p>\n","protected":false},"featured_media":0,"template":"","class_list":["post-8301","banking","type-banking","status-publish","hentry"],"blocksy_meta":[],"_links":{"self":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/banking\/8301","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/banking"}],"about":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/types\/banking"}],"wp:attachment":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/media?parent=8301"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}