Save your way with superior rates and flexible account options

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 almost 10x 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). Special savings account offers apply to personal accounts only. See below for additional rate information.
 

Open a High Yield Savings Account online


8 Month CD3

 

4.25% APY CD Rate Specials 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.

 
8 Month CD 4.00% APY
 
If opened with money already on deposit at Cape Cod 5. Minimum balance to open is $1,000 and is available to new and existing customers. See below for additional rate information.

 

Open a CD Account online


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. Special savings account offers apply to personal accounts only.

 

Open a Money Market Account online

 

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 8 Month CD Rate Information
CD Term
Annual Percentage Yield
(APY)
PrimaryPlus and Premier5 Banking
(APY)
Minimum Balance
to Open
8 Month CD*3
Open now
4.00%
4.00%
$1,000
  • Minimum balance to open all CDs is $1,000. A penalty may be imposed for early withdrawal.
  • 8 Month CD will earn 4.25% APY when opened with a minimum of $10,000 in new funds not already on deposit with Cape Cod 5.
     

     

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*5

Open now

$2,500
$0 - $24,999.99
1.25%
$2,500
PrimaryPlus Money Market*5
$2,500
$25,000 - $99,999.99
1.25%
$2,500
PrimaryPlus Money Market*5
$2,500
$100,000 - $249,999.99
1.50%
$2,500
PrimaryPlus Money Market*5
$2,500
$250,000 - $499,999.99
2.00%
$2,500
PrimaryPlus Money Market*5
$2,500
$500,000 - $999,999.99
2.00%
$2,500
PrimaryPlus Money Market*5
$2,500
$1,000,000+
2.00%
$2,500
Premier5 Money Market*6

Open now

$2,500
$0 - $24,999.99
1.25%
$2,500
Premier5 Money Market*6

 

$2,500
$25,000 - $99,999.99
1.25%
$2,500
Premier5 Money Market*6

 

$2,500
$100,000 - $249,999.99
1.50%
$2,500
Premier5 Money Market*6

 

$2,500
$250,000 - $499,999.99
2.00%
$2,500
Premier5 Money Market*6

 

$2,500
$500,000 - $999,999.99
2.00%
$2,500
Premier5 Money Market*6

 

$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 Protection
  • 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 daily debit card purchase limits
  • 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?

Schedule an appointment today


 

Try our CD calculator tools

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CD Comparison

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.

Calculate Your CD Value

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.

Explore our range of financial planning tools and calculators


* Available to new or existing customers. Annual Percentage Yield (APY) effective as of 02/24/2023. Rates are subject to change without notice. Fees may reduce account earnings. 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 March 20, 2023, based on the national average of 0.37% disclosed on FDIC.gov compared to a 3.50% Cape Cod 5 rate.

Minimum balance to open all CDs is $1,000. A penalty may be imposed for early withdrawal. The 8 Month CD will earn 4.25% APY when opened with a minimum of $10,000 in new funds not already on deposit with Cape Cod 5.

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.

Need Help?

Call 888-225-4636

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