The Associate Co-operative Bank Ltd. Fixed Deposit interest rates · October 2026
Associate Co-op Bank's best Fixed Deposit rate is 7.25% (Above 1 Year Upto 2 Years), 1.75 points below the best on the market (9.00%).
- Seniors: up to 7.75% (Above 1 Year Upto 2 Years), 0.50 points above the general rate for that tenure.
| Tenure | General | Senior | Applies to | Effective On | Source |
|---|---|---|---|---|---|
7 Days to 15 Days |
3.75% | 3.75% | Any amount | 22 Oct 2026 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
16 Days to 45 Days |
4.00% | 4.00% | Any amount | 22 Oct 2026 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
46 Days to 90 Days |
4.75% | 4.75% | Any amount | 22 Oct 2026 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
91 Days to 180 Days |
5.00% | 5.00% | Any amount | 22 Oct 2026 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
181 Days to 270 Days |
6.00% | 6.00% | Any amount | 22 Oct 2026 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
271 Days to 365 Days |
6.75% | 6.75% | Any amount | 22 Oct 2026 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
Above 1 Year Upto 2 Years |
7.25% | 7.75% | Any amount | 22 Oct 2026 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
Above 2 Years Upto 3 Years |
7.00% | 7.50% | Any amount | 22 Oct 2026 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
Above 3 Years Upto 5 Years |
6.75% | 7.25% | Any amount | 22 Oct 2026 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
Above 5 Years |
6.50% | 7.00% | Any amount | 22 Oct 2026 ✓ verified 22 Oct 2026 | official fetched 22 Oct 2026 |
Associate Co-op Bank FD returns at a glance based on investment amount
| Deposit | ~1 year6.75% | ~3 years7.00% | ~5 years6.75% | ~10 years6.50% |
|---|---|---|---|---|
| ₹50,000 | ₹53,461₹281/mo | ₹61,572₹292/mo | ₹69,875₹281/mo | ₹95,278₹271/mo |
| ₹1 lakh | ₹1,06,923₹563/mo | ₹1,23,144₹583/mo | ₹1,39,750₹563/mo | ₹1,90,556₹542/mo |
| ₹2 lakh | ₹2,13,846₹1,125/mo | ₹2,46,288₹1,167/mo | ₹2,79,500₹1,125/mo | ₹3,81,112₹1,083/mo |
| ₹5 lakh | ₹5,34,614₹2,813/mo | ₹6,15,720₹2,917/mo | ₹6,98,749₹2,813/mo | ₹9,52,779₹2,708/mo |
| ₹10 lakh | ₹10,69,228₹5,625/mo | ₹12,31,439₹5,833/mo | ₹13,97,499₹5,625/mo | ₹19,05,559₹5,417/mo |
Illustrative · quarterly compounding · rates as of 22 Oct 2026. Maturity assumes cumulative FD; monthly figure is simple interest ÷ 12 (non-cumulative payout). Not a bank quote — verify on the bank's site. DICGC insures up to ₹5 lakh per depositor per bank.
Compare Associate Co-op Bank FD returns with other banks
Add up to three banks, pick an amount and a tenure.
Loading comparison…
General rate by tenure (% p.a.)
Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.
Senior rate by tenure (% p.a.)
Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.
No additional super-senior premium — showing Senior rates.
Senior rate by tenure (% p.a.)
Bars green where above, ink where at/below, the Post Office Time Deposit rate (sovereign-guaranteed, not DICGC-insured) at that tenure — no PO product shorter than 1 year, so shorter bars keep this bank's own color.
Associate Co-op Bank Fixed Deposit rate changes
Changes to Associate Co-op Bank's fixed deposit (FD) rates that RateScan.in has recorded since it started tracking them on 22 Oct 2026. Each date is when RateScan.in first recorded the new rate; the bank's own effective date is in the rate table above.
No change to Associate Co-op Bank's fixed deposit (FD) rates has been recorded since tracking started on 22 Oct 2026.
Compare Associate Co-op Bank with similar banks
Nearby banks paying a little more at 1 year
Banks with a similar rate at 1 year
Best FD rates among urban co-operative banks → Best FD rates in Gujarat →
Associate Co-op Bank Fixed Deposit: frequently asked questions
What is the highest Associate Co-op Bank Fixed Deposit interest rate?
As of 22 Oct 2026, The Associate Co-operative Bank Ltd. offers up to 7.25% p.a. on its fixed deposit (FD) (Above 1 Year Upto 2 Years) for general customers and 7.75% p.a. (Above 1 Year Upto 2 Years) for senior citizens. Rates below are as published by the bank — confirm with Associate Co-op Bank before investing.
What is the Associate Co-op Bank 1-year FD interest rate?
As of 22 Oct 2026, The Associate Co-operative Bank Ltd. offers 6.75% p.a. on a 1-year FD for general customers and 6.75% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 22 Oct 2026 and was last verified 22 Oct 2026. Source: the bank's official rate page.
What is the Associate Co-op Bank 2-year FD interest rate?
As of 22 Oct 2026, The Associate Co-operative Bank Ltd. offers 7.25% p.a. on a 2-year FD for general customers and 7.75% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 22 Oct 2026 and was last verified 22 Oct 2026. Source: the bank's official rate page.
What is the Associate Co-op Bank 3-year FD interest rate?
As of 22 Oct 2026, The Associate Co-operative Bank Ltd. offers 7.00% p.a. on a 3-year FD for general customers and 7.50% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 22 Oct 2026 and was last verified 22 Oct 2026. Source: the bank's official rate page.
What is the Associate Co-op Bank 5-year FD interest rate?
As of 22 Oct 2026, The Associate Co-operative Bank Ltd. offers 6.75% p.a. on a 5-year FD for general customers and 7.25% p.a. for senior citizens (for a ₹5 lakh deposit). The rate is effective 22 Oct 2026 and was last verified 22 Oct 2026. Source: the bank's official rate page.
Do senior citizens get higher Fixed Deposit rates at Associate Co-op Bank?
Yes. Senior citizens (60+) earn up to 0.50% p.a. more than general customers at The Associate Co-operative Bank Ltd., depending on the tenure.
When did Associate Co-op Bank last change its Fixed Deposit rates?
RateScan.in has recorded no change to The Associate Co-operative Bank Ltd.'s fixed deposit (FD) rates since it started tracking them on 22 Oct 2026.
What fixed deposit (FD) tenures does Associate Co-op Bank offer?
The Associate Co-operative Bank Ltd.'s published fixed deposit (FD) rate table has 10 tenure bands, from “7 Days to 15 Days” to “Above 5 Years”.
Does Associate Co-op Bank pay more than the Post Office Time Deposit?
The Associate Co-operative Bank Ltd. pays more than the Post Office Time Deposit at 1 of 4 standard tenures compared (general rates). Rates: 1y 6.75% (PO 6.90%), 2y 7.25% (PO 7.00%), 3y 7.00% (PO 7.10%), 5y 6.75% (PO 7.50%). PO is the Post Office Time Deposit rate.
How does Associate Co-op Bank's 1-year FD rate rank?
The Associate Co-operative Bank Ltd.'s 1-year general FD rate of 6.75% ranks #140 of 353 banks on RateScan.in (as of 22 Oct 2026). The highest is Sangli DCCB at 8.25%.
Is my fixed deposit (FD) with Associate Co-op Bank insured?
Deposits with The Associate Co-operative Bank Ltd. are insured by DICGC up to ₹5,00,000 per depositor per bank (principal + interest combined).
How current are these Associate Co-op Bank rates?
RateScan.in refreshed this dataset on 22 Oct 2026; the bank's rates shown here are effective 22 Oct 2026. Rates can change without notice, so verify on the official Associate Co-op Bank website before investing.
More Associate Co-op Bank rates
Fixed Deposit rates at other banks
Higher 1 year Fixed Deposit rates than Associate Co-op Bank
41 banks serving Gujarat pay more. Top picks:
Cumulative FD, quarterly compounding. Illustrative, not a bank quote.
Good to know
- Deposits with The Associate Co-operative Bank Ltd. are insured by DICGC up to ₹5,00,000 per depositor per bank (principal and interest combined, across all its branches). Anything above that is not insured.
- Associate Co-op Bank is an urban co-operative bank. Co-operative banks are regulated by the RBI together with the state registrar of co-operative societies; check that the bank is covered by DICGC before depositing.
- Senior citizens (60+) earn up to 0.50% p.a. more than general customers at Associate Co-op Bank, depending on the tenure.
Informational only — always confirm the current rate on the official Associate Co-op Bank website before investing. Bank names and associated colors are used for identification purposes only. All bank names, logos, and trademarks are the property of their respective owners. RateScan.in is not affiliated with, endorsed by, or sponsored by any bank.
Have feedback?
Tell us what would make RateScan.in more useful. No email required.