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Business Deposit Accounts & Rates
Deposit Account rates effective as of Tuesday, July 1, 2025. Rates are subject to change at any time.
To open an account, visit one of our Banking Centers
Business Savings Accounts1
| Account | Minimum Balance to Open | Minimum Daily Balance to Earn APY | Annual Percentage Yield (APY) | Minimum Daily Balance to Avoid Monthly Maintenance |
|---|---|---|---|---|
| Business Savings | $25 | $10 | 0.02% | $300 |
Business Money Market Accounts1
| Account | Minimum Balance to Open | Minimum Daily Balance to Earn APY | Annual Percentage Yield (APY) | Minimum Daily Balance to Avoid Monthly Maintenance Fees |
|---|---|---|---|---|
| Business Money Market | $2,500 | $10 - $2,499.99 | 0.02% | $2,500 |
| Business Money Market | $2,500 | $2,500 - $9,999.99 | 0.02% | $2,500 |
| Business Money Market | $2,500 | $10,000 - $24,999.99 | 0.02% | $2,500 |
| Business Money Market | $2,500 | $25,000 - $49,999.99 | 0.02% | $2,500 |
| Business Money Market | $2,500 | $50,000 - $99,999.99 | 0.02% | $2,500 |
| Business Money Market | $2,500 | $100,000+ | 0.02% | $2,500 |
Premier Business Money Market Accounts1
Business Certificates of Deposit2
| Term | Annual Percentage Yield (APY) |
|---|---|
| 91 Day CD3 | 3.75% |
| 6 Month CD | 3.60% |
| 9 Month CD | 3.45% |
| 12 Month CD | 3.20% |
| 18 Month CD | 3.05% |
| 24 Month CD | 2.95% |
| 36 Month CD | 2.95% |
| 48 Month CD | 2.70% |
| 60 Month CD | 2.45% |
Non-Profit High Yield Savings Account1,4,5
| Account | Minimum Balance to Open | Minimum Balance to Earn APY | Annual Percentage Yield (APY) | Minimum Balance to Avoid Monthly Maintenance Fees |
|---|---|---|---|---|
| Non-Profit High Yield Savings | $5,000 | $10 - $9999.99 | 0.02% | $5,000 |
| Non-Profit High Yield Savings | $5,000 | $10,000 - $49,999.99 | 3.00% | $5,000 |
| Non-Profit High Yield Savings | $5,000 | $50,000 - $99,999.99 | 3.00% | $5,000 |
| Non-Profit High Yield Savings | $5,000 | $100,000 - $249,999.99 | 3.00% | $5,000 |
| Non-Profit High Yield Savings | $5,000 | $250,000 - $499,999.99 | 3.00% | $5,000 |
| Non-Profit High Yield Savings | $5,000 | $500,000 - $999,999.99 | 3.00% | $5,000 |
| Non-Profit High Yield Savings | $5,000 | $1,000,000+ | 3.00% | $5,000 |
Non-Profit Money Market Account1,4
| Account | Minimum Balance to Open | Minimum Balance to Earn APY | Annual Percentage Yield (APY) | Minimum Balance to AvoidMonthly Maintenance Fees |
|---|---|---|---|---|
| Non-Profit Money Market | $2,500 | $10 - $49,999.99 | 0.80% | $2,500 |
| Non-Profit Money Market | $2,500 | $50,000 - $99,999.99 | 0.80% | $2,500 |
| Non-Profit Money Market | $2,500 | $100,000 - $249,999.99 | 1.05% | $2,500 |
| Non-Profit Money Market | $2,500 | $250,000 - $499,999.99 | 1.55% | $2,500 |
| Non-Profit Money Market | $2,500 | $500,000 - $999,999.99 | 1.55% | $2,500 |
| Non-Profit Money Market | $2,500 | $1,000,000+ | 1.55% | $2,500 |
Non-Profit Certificates of Deposit (CDs) Accounts2,4
| Term | Annual Percentage Yield (APY) |
|---|---|
| 91 Day CD3 | 3.80% |
| 6 Month CD | 3.65% |
| 9 Month CD | 3.50% |
| 12 Month CD | 3.25% |
| 18 Month CD | 3.10% |
| 24 Month CD | 3.00% |
| 36 Month CD | 3.00% |
| 48 Month CD | 2.75% |
| 60 Month CD | 2.50% |
1Rate may change after opening. Fees could reduce earnings on accounts.
2Minimum balance to open all CDs is $1,000. A penalty may be imposed for early withdrawal.
3There is one penalty-free withdrawal per term for any 91 day CD (only after the first six days of the deposit's term).
4Available exclusively to organizations with documented 501c status.
5This account must be opened with a minimum of $5,000 in new funds not already on deposit with Cape Cod 5.
Annual Percentage Yield = Yield when principal and interest are left on deposit. Annual Percentage Yields greater than the Interest Rate show the effect of monthly compounding. Term accounts subject to penalty for early withdrawal. Effect of fees: Fees could reduce earnings on accounts.
