More Options. More Savings.

Whatever you're saving for, we have personal accounts that will help you earn more to meet your financial goals.


High Yield Savings Account1

Start earning more than 7x the national average with our High Yield Savings Account.2

3.50% APY High Yield Savings Account graphic
 

APY applies to balances of $10,000 or more and is available to new and existing customers; must be new money (not currently on deposit at Cape Cod 5). See below for additional rate information.

 

Open a High Yield Savings Account online

Ask us about our Retirement and Non-Profit High Yield Savings Accounts.
See how much you can save with our High Yield Savings Calculator

Information and interactive calculators are made available to you as self-help tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

CD Specials

Save your way with superior rates and flexible options on CD specials.

 

4 Month CD3

4 Month CD 5.00% APY
 
Available to new and existing customers. See the "View CD Rate Information" drop-down menu and the disclosures at the bottom of the page for additional rate information.
 

Open a 4 Month CD Account online

 

8 Month CD3

8 Month CD 5.00% APY
 
Available to new and existing customers. See the "View CD Rate Information" drop-down menu and the disclosures at the bottom of the page for additional rate information.

 

Open an 8 Month CD Account online

Ask us about our Business and Non-Profit 8 Month CD specials.
Calculate your CD Value at Maturity

Information and interactive calculators are made available to you as self-help tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

Compare Two CDs

Information and interactive calculators are made available to you as self-help tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

PrimaryPlus4 and Premier55 Money Market Accounts

Boost your savings with Money Market Accounts that earn more for you.

2.00% APY PrimaryPlus & Premier5 MMDA Rate Special graphic
  
PrimaryPlus or Premier5 banking relationship required.

 

Open a Money Market Account online
Ask us about our Premier Business and Non-Profit Money Market Accounts.
View High Yield Savings Account Rate Information
Account
Minimum Balance to Open
Minimum Daily Balance
to Earn APY
Annual Percentage Yield (APY)
Minimum Daily Balance
to Avoid Monthly Maintenance Fees
High Yield Savings Account*1
Open now
$10,000
$10 - $9,999.99
0.02%
$10,000
High Yield Savings Account*1
$10,000
$10,000 - $49,999.00
3.50%
$10,000
High Yield Savings Account*1
$10,000
$50,000 - $99,999.99
3.50%
$10,000
High Yield Savings Account*1
$10,000
$100,000 - $249,999.99
3.50%
$10,000
High Yield Savings Account*1
$10,000
$250,000 - $499,999.99
3.50%
$10,000
High Yield Savings Account*1
$10,000
$500,000 - $999,999.99
3.50%
$10,000
High Yield Savings Account*1
$10,000
$1,000,000+
3.50%
$10,000
  • This account must be opened with a minimum of $10,000 in new funds not already on deposit with Cape Cod 5. 
  • Rate may change after opening. Fees could reduce earnings on accounts.
View CD Rate Information
CD Term
Annual Percentage Yield
(APY)
PrimaryPlus and Premier5 Banking
(APY)
Minimum Balance
to Open
4 Month CD
Open now
4.75% / 5.00%*3
4.75% / 5.00%*3
$1,000 / $10,0003
8 Month CD
Open now
4.75% / 5.00%*3
4.75% / 5.00%*3
$1,000 / $10,0003
View all Business and Non-Profit Certificates of Deposit options
View PrimaryPlus and Premier5 Money Market Rate Information
Account
Minimum Balance to Open
Minimum Daily Balance
to Earn APY
Annual Percentage Yield (APY)
Minimum Daily Balance
to Avoid Monthly Maintenance Fees
PrimaryPlus Money Market*4
Open now
$2,500
$10 - $24,999.99
1.25%
$2,500
PrimaryPlus Money Market*4
$2,500
$25,000 - $99,999.99
1.25%
$2,500
PrimaryPlus Money Market*4
$2,500
$100,000 - $249,999.99
1.50%
$2,500
PrimaryPlus Money Market*4
$2,500
$250,000 - $499,999.99
2.00%
$2,500
PrimaryPlus Money Market*4
$2,500
$500,000 - $999,999.99
2.00%
$2,500
PrimaryPlus Money Market*4
$2,500
$1,000,000+
2.00%
$2,500
Premier5 Money Market*5
Open now
$2,500
$10 - $24,999.99
1.25%
$2,500
Premier5 Money Market*5

 

$2,500
$25,000 - $99,999.99
1.25%
$2,500
Premier5 Money Market*5

 

$2,500
$100,000 - $249,999.99
1.50%
$2,500
Premier5 Money Market*5

 

$2,500
$250,000 - $499,999.99
2.00%
$2,500
Premier5 Money Market*5

 

$2,500
$500,000 - $999,999.99
2.00%
$2,500
Premier5 Money Market*5

 

$2,500
$1,000,000+
2.00%
$2,500
  • Rate may change after opening. Fees could reduce earnings on accounts. 
  • Available exclusively to PrimaryPlus and Premier5 relationship customers. Please ask us for details.

View all Personal and IRA Money Market Account options
View all Business and Non-Profit Money Market Account options
How to Qualify for PrimaryPlus and Premier5 Banking
PrimaryPlus Banking
PrimaryPlus Banking is the best option for those who maintain an average daily balance of $1,000 or more and have combined deposit and loan balances of $10,000 or more OR maintain a Cape Cod 5 Investment Services relationship
Enjoy convenience along with a wide range of banking benefits, including:
  • Free ATMs worldwide
  • Rate benefits on select Money Market and CD accounts
  • Unlimited free checks
  • Annual discounts on safe deposit box rates
  • No fees associated with overdrafts

Learn more about PrimaryPlus Banking

Premier5 Banking
Premier5 Banking is the best option for those who maintain an average daily balance of $1,000 or more and have combined deposit balances of $50,000 or more OR maintain a Cape Cod 5 Trust and Asset Management relationship
Enjoy the advantages of PrimaryPlus banking and additional exclusive benefits, including:
  • Premier5 Overdraft Protection6
  • No annual IRA plan service fee
  • Bonus credit when you close a new Cape Cod 5 mortgage
  • Fees waived for inbound wire transfers, stop payments and bank to bank transfers
  • Higher mobile deposits and bank to bank transfer limits
  • Waived or reduced fees on some loans

Learn more about Premier5 Banking

Prefer to open an account in person?

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Schedule an appointment today


 

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* Available to new or existing customers. Annual Percentage Yield (APY) effective as of 01/30/24. To learn how to qualify or for other rate information, visit your local Banking Center or call our Customer Service Center at 888-225-4636.

1 Minimum daily balance to avoid monthly maintenance fees: $10,000. Must be opened with a minimum of $10,000 in new funds not already on deposit with Cape Cod 5.

2 As of January 16, 2024, based on the national average of 0.47% disclosed on FDIC.gov compared to a 3.50% Cape Cod 5 rate.

Minimum balance to open all CDs is $1,000. The 4 or 8 Month CD will earn 5.00% APY when opened with a minimum of $10,000 in new funds not already on deposit with Cape Cod 5. The 4 or 8 Month CD will earn 4.75% APY if opened with a minimum balance of $1,000 and is available to new and existing customers. A penalty may be imposed for early withdrawal.

4 Minimum daily balance to earn 2.00% APY is $250,000. Minimum balance to open: $2,500. Minimum daily balance to avoid monthly maintenance fees: $2,500. Available exclusively to PrimaryPlus relationship customers.

Minimum daily balance to earn 2.00% APY is $250,000. Minimum balance to open: $2,500. Minimum daily balance to avoid monthly maintenance fees: $2,500. Available exclusively to Premier5 relationship customers.

We may authorize and pay check, ACH debit and ATM and debit card transactions that overdraw your account up to $1,000. There is no fee for this overdraft protection, and Cape Cod 5 does not charge any fees associated with overdrafts. However, ATM and debit card transactions that would result in the account being overdrawn in excess of $1,000 will be declined, while check and ACH debits may be honored for payment at the Bank’s discretion. If you overdraw your account, you must return the account to a positive balance as soon as practical and within no more than seven (7) days. This overdraft protection may be withdrawn at any time without notice. You may opt out of Premier5 Overdraft Protection by notifying us in writing.

Need Help?

Call 888-225-4636

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