Who is Greenfield Cooperative Bank for?

Franklin County, MA residents Fans of community banking Local small businesses Local savers wanting 3.00% APY

Who is Greenfield Cooperative Bank not for?

Anyone living outside western Massachusetts Travelers needing nationwide branch and ATM access Businesses banking across multiple states Breach-wary customers wanting a spotless security record

shouldiuse.io

Greenfield Cooperative Bank Review

Depends

Should I use Greenfield Cooperative Bank?

Navigation for the Greenfield Coop website through links and menus. - greenfieldcoopbank.com

Analyzed September 20, 2026 · 1 month ago

A solid FDIC-insured local bank if you live or do business in western Massachusetts and value community banking. Skip it if you need statewide or nationwide access, or want a spotless security record — it disclosed a 2025 data breach.

Confidence

Medium. Based on ~25 public sources, including two Massachusetts breach filings, review sites, and the bank's own pages.

Ratings

Value for money
Ease of use
Feature depth
Support quality
Security posture

Pricing

Free

Personal Checking

ModelNot disclosed

Monthly feesNot disclosed

HardwareNot disclosed

Free tierYes

Savings / IRA3.00% APY listed

Best for

Franklin County, MA residents
Fans of community banking
Local small businesses
Local savers wanting 3.00% APY

Not for

Anyone living outside western Massachusetts
Travelers needing nationwide branch and ATM access
Businesses banking across multiple states
Breach-wary customers wanting a spotless security record

Gotchas - check before you buy

high

2025 breach (state notices 16212 and 2025-1535); plaintiff firms are already soliciting breach claims

medium

Branch and ATM access is limited to western Mass; verify surcharge-free ATM network before switching

low

Deposit rates are dated (9/20/2026 listing); confirm current APY and any requirements before opening

Pros

FDIC-insured community bank with free checking options
3.00% APY savings rate listed on DepositAccounts
Online and mobile banking, plus Apple Pay support
Deep local involvement, including $100,000 community donations
Fraud monitoring and scam-education resources for customers

Cons

Confirmed 2025 data breach disclosed via Massachusetts regulator filings
Tiny footprint: a few branches in western Massachusetts only
Not BBB-accredited per its BBB profile
Thin public review footprint; ratings hard to verify

Sources & method

Analyzed September 20, 2026 - 10 sources - FDIC-insured with fraud monitoring and scam education, but a 2025 data breach was reported to Massachusetts regulators.

official x3review x4security x3

2025 data breach, Massachusetts filings show two 2025 customer breach notification letters (notices 16212 and 2025-1535); a plaintiff firm is advertising a breach investigation.

Key stats

Value for money: 4/5
Rating
Free
Starting price
10
Sources
September 20, 2026
Analyzed

Value for money: 4/5. 3.00% APY savings, free checking
Ease of use: 3/5. Mobile app live; little public feedback
Feature depth: 3/5. Checking, loans, mortgages, mobile; standard set
Support quality: 3/5. Local-first service; few verifiable reviews
Security posture: 2/5. 2025 breach disclosed to state regulators

3.00% Savings APY per DepositAccounts listing
Yes FDIC insured stated on bank's site
4+ Branch towns Greenfield, Northampton, Turners Falls, Northfield
2 2025 breach notices Mass. filings 16212 and 2025-1535

Pricing

Personal Checking

Free

Free checking option
ATM flexibility options

Savings / IRA

3.00% APY listed

IRA Savings and deposit rates posted
Rates effective 9/20/2026

Security

FDIC-insured with fraud monitoring and scam education, but a 2025 data breach was reported to Massachusetts regulators.

2025 data breachMassachusetts filings show two 2025 customer breach notification letters (notices 16212 and 2025-1535); a plaintiff firm is advertising a breach investigation.^²

What users say

feedback is sparse, but available signals point to a well-liked local bank with a functioning mobile app.

Alternatives

Compare Greenfield Cooperative Bank with each alternative.

Freedom Credit Union
Local western Mass credit union with a similar community feel
Greenfield Cooperative Bank vs Freedom Credit Union
Ally Bank
Online bank: higher yields, no branches; fine if you never visit tellers
Chase
Nationwide branches and ATMs if you travel or relocate often

Full analysis

Based on ~25 public sources, including two Massachusetts breach filings, review sites, and the bank's own pages.

Well-liked FDIC-insured local bank for western Mass — but a 2025 data breach and tiny branch footprint limit its appeal.

Methodology

Based on ~25 public sources, including two Massachusetts breach filings, review sites, and the bank's own pages.

Read how a report is made.

Sources

About Our Bank — Greenfield Co-opgreenfieldcoopbank.com
official
Mass. breach notice 2025-1535 (customer letter)mass.gov
security
Mass. assigned breach number 16212mass.gov
security
Data breach investigation claims pagecolevannote.com
security
Greenfield Co-operative Bank reviews and ratesdepositaccounts.com
review
GCB Online Banking — Google Playplay.google.com
review
Yelp — Greenfield Cooperative Bankyelp.com
review
BBB Business Profilebbb.org
review
Locationsgreenfieldcoopbank.com
official
Online and Mobile Bankinggreenfieldcoopbank.com
official

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Categories

Greenfield Cooperative Bank Review

Confidence

Ratings

Pricing