Consumer Alert:
There have been recent incidents of scammers sending fraudulent text messages impersonating Cape Cod 5 and other banks to try to trick consumers into sharing their online banking login credentials. Do not click on any links in texts purporting to be from your bank - it is a scam! Banks will never text, call or email you for your banking information. Please visit our Security Center for information and tips to protect yourself.
Deposit Account rates effective as of Tuesday, April 16, 2024. Rates are subject to change at any time.
Earn up to 5.00% APY for a limited time with an 8 Month CD1,3Open nowAPY applies to balances of $10,000 or more in new funds not already on deposit with Cape Cod 5. |
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Earn up to 3.50% APY with a High Yield Savings Account2,3Open now |
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Account2 |
Minimum Balance to Open |
Minimum Daily Balance to Earn APY |
Annual Percentage Yield (APY) |
How to Avoid Monthly Maintenance Fees |
---|---|---|---|---|
Primary Banking |
$100 |
$0 |
0.01% |
$1,000 average daily balance or 1 electronic direct deposit posted during the statement cycle |
PrimaryPlus Banking |
$100 |
$0 |
0.02% |
$1,000 average daily balance and combined deposit and loan balances of $10,000 or more OR maintain a CC5 Investment Services client relationship |
Premier5 Banking |
$100 |
$0 |
0.02% |
$1,000 average daily balance and combined deposit balances of $50,000 or more OR maintain a CC5 Trust and Asset Management relationship |
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 |
$10,000 |
$10 - $9,999.99 |
0.02% |
$10,000 |
High Yield Savings Account |
$10,000 |
$10,000 - $49,999.99 |
3.50% |
$10,000 |
High Yield Savings Account |
$10,000 |
$50,000 - $99,999.99 |
3.50% |
$10,000 |
High Yield Savings Account |
$10,000 |
$100,000 - $249,999.99 |
3.50% |
$10,000 |
High Yield Savings Account |
$10,000 |
$250,000 - $499,999.99 |
3.50% |
$10,000 |
High Yield Savings Account |
$10,000 |
$500,000 - $999,999.99 |
3.50% |
$10,000 |
High Yield Savings Account |
$10,000 |
$1,000,000+ |
3.50% |
$10,000 |
Account |
Minimum Balance to Open |
Minimum Daily Balance to Earn APY |
Annual Percentage Yield (APY) |
Minimum Daily Balance to Avoid Monthly Maintenance Fees |
---|---|---|---|---|
Personal Money Market Accounts |
$2,500 |
$10 - $2,499.99 |
0.02% |
$2,500 |
Personal Money Market Accounts |
$2,500 |
$2,500 - $9,999.99 |
0.02% |
$2,500 |
Personal Money Market Accounts |
$2,500 |
$10,000 - $24,999.99 |
0.02% |
$2,500 |
Personal Money Market Accounts |
$2,500 |
$25,000 - $49,999.99 |
0.02% |
$2,500 |
Personal Money Market Accounts |
$2,500 |
$50,000 - $99,999.99 |
0.02% |
$2,500 |
Personal Money Market Accounts |
$2,500 |
$100,000+ |
0.02% |
$2,500 |
PrimaryPlus Money Market Account4 |
$2,500 |
$10 - $24,999.99 |
1.25% |
$2,500 |
PrimaryPlus Money Market Account4 |
$2,500 |
$25,000 - $99,999.99 |
1.25% |
$2,500 |
PrimaryPlus Money Market Account4 |
$2,500 |
$100,000 - $249,999.99 |
1.50% |
$2,500 |
PrimaryPlus Money Market Account4 |
$2,500 |
$250,000 - $499,999.99 |
2.00% |
$2,500 |
PrimaryPlus Money Market Account4 |
$2,500 |
$500,000 - $999,999.99 |
2.00% |
$2,500 |
PrimaryPlus Money Market Account4 |
$2,500 |
$1,000,000+ |
2.00% |
$2,500 |
Premier5 Money Market Account5 |
$2,500 |
$10 - $24,999.99 |
1.25% |
$2,500 |
Premier5 Money Market Account5 |
$2,500 |
$25,000 - $99,999.99 |
1.25% |
$2,500 |
Premier5 Money Market Account5 |
$2,500 |
$100,000 - $249,999.99 |
1.50% |
$2,500 |
Premier5 Money Market Account5 |
$2,500 |
$250,000 - $499,999.99 |
2.00% |
$2,500 |
Premier5 Money Market Account5 |
$2,500 |
$500,000 - $999,999.99 |
2.00% |
$2,500 |
Premier5 Money Market Account5 |
$2,500 |
$1,000,000+ |
2.00% |
$2,500 |
Term |
Annual Percentage Yield (APY) |
PrimaryPlus Banking APY |
Premier5 Banking APY |
---|---|---|---|
91 Day CD6 |
0.03% |
0.06% |
0.08% |
4 Month CD |
4.75% |
4.75% |
4.75% |
4 Month CD *APY applies to balances of $10,000 or more in new funds not already on deposit with Cape Cod 5. |
5.00%* |
5.00%* |
5.00%* |
6 Month CD |
0.03% |
0.06% |
0.08% |
8 Month CD |
4.75% |
4.75% |
4.75% |
8 Month CD *APY applies to balances of $10,000 or more in new funds not already on deposit with Cape Cod 5. |
5.00%* |
5.00%* |
5.00%* |
9 Month CD |
0.03% |
0.06% |
0.08% |
12 Month CD |
0.05% |
0.08% |
0.10% |
18 Month CD |
0.05% |
0.08% |
0.10% |
24 Month CD |
0.08% |
0.11% |
0.13% |
36 Month CD |
2.50% |
2.50% |
2.50% |
48 Month CD |
0.08% |
0.11% |
0.13% |
60 Month CD |
0.08% |
0.11% |
0.13% |
Account |
Minimum Balance to Open |
Minimum Daily Balance to Earn APY |
Annual Percentage Yield (APY) |
---|---|---|---|
Savings Account |
$10 |
$10 |
0.02% |
Account |
Minimum Balance to Open |
Minimum Daily Balance to Earn APY |
Annual Percentage Yield (APY) |
Minimum Daily Balance to Avoid Monthly Maintenance Fees |
---|---|---|---|---|
Retirement High Yield Savings Account |
$10,000 |
$10 - $9,999.99 |
0.02% |
$10,000 |
Retirement High Yield Savings Account |
$10,000 |
$10,000 - $99,999.99 |
3.50% |
$10,000 |
Retirement High Yield Savings Account |
$10,000 |
$100,000 - $249,999.99 |
3.50% |
$10,000 |
Retirement High Yield Savings Account |
$10,000 |
$250,000 - $499,999.99 |
3.50% |
$10,000 |
Retirement High Yield Savings Account |
$10,000 |
$500,000 - $999,999.99 |
3.50% |
$10,000 |
Retirement High Yield Savings Account |
$10,000 |
$1,000,000+ |
3.50% |
$10,000 |
Account |
Minimum Balance to Open |
Minimum Daily Balance to Earn APY |
Annual Percentage Yield (APY) |
Minimum Daily Balance to Avoid Monthly Maintenance Fees |
---|---|---|---|---|
Retirement Money Market Accounts |
$10 |
$10 - $2,499.99 |
0.02% |
$0 |
Retirement Money Market Accounts |
$10 |
$2,500 - $9,999.99 |
0.02% |
$0 |
Retirement Money Market Accounts |
$10 |
$10,000 - $24,999.99 |
0.02% |
$0 |
Retirement Money Market Accounts |
$10 |
$25,000 - $49,999.99 |
0.02% |
$0 |
Retirement Money Market Accounts |
$10 |
$50,000 - $99,999.99 |
0.02% |
$0 |
Retirement Money Market Accounts |
$10 |
$100,000+ |
0.02% |
$0 |
Premier5 Retirement Money Market Account5 |
$10 |
$10 - $24,999.99 |
1.25% |
$0 |
Premier 5 Retirement Money Market Account5 |
$10 |
$25,000 - $99,999.99 |
1.25% |
$0 |
Premier 5 Retirement Money Market Account5 |
$10 |
$100,000 - $249,999.99 |
1.50% |
$0 |
Premier 5 Retirement Money Market Account5 |
$10 |
$250,000 - $499,999.99 |
2.00% |
$0 |
Premier 5 Retirement Money Market Account5 |
$10 |
$500,000 - $999,999.99 |
2.00% |
$0 |
Premier 5 Retirement Money Market Account5 |
$10 |
$1,000,000+ |
2.00% |
$0 |
Account | Annual Percentage Yield (APY) | PrimaryPlus Banking APY | Premier5 Banking APY |
---|---|---|---|
91 Day CD8 | 0.03% | 0.06% | 0.08% |
4 Month CD | 4.75% | 4.75% | 4.75% |
4 Month CD *APY applies to balances of $10,000 or more in new funds not already on deposit with Cape Cod 5. | 5.00%* | 5.00%* | 5.00%* |
6 Month CD | 0.03% | 0.06% | 0.08% |
8 Month CD | 4.75% | 4.75% | 4.75% |
8 Month CD *APY applies to balances of $10,000 or more in new funds not already on deposit with Cape Cod 5. | 5.00%* | 5.00%* | 5.00%* |
9 Month CD | 0.03% | 0.06% | 0.08% |
12 Month CD | 0.05% | 0.08% | 0.10% |
18 Month CD | 0.05% | 0.08% | 0.10% |
24 Month CD | 0.08% | 0.11% | 0.13% |
36 Month CD | 2.50% | 2.50% | 2.50% |
48 Month CD | 0.08% | 0.11% | 0.13% |
60 Month CD | 0.08% | 0.11% | 0.13% |
1Available to new and existing customers. Minimum balance to open all CDs is $1,000. A penalty may be imposed for early withdrawal.
2 Rate may change after opening. Fees could reduce earnings on accounts.
3 This account must be opened with a minimum of $10,000 in new funds not already on deposit with Cape Cod 5.
4Available exclusively to PrimaryPlus relationship customers. Learn more.
5Available exclusively to Premier5 relationship customers. Learn more.
6There is one penalty-free withdrawal per term for any 91 day CD (only after the first six days of the deposit's term).
7Minimum balance to open IRAs is $1,000 unless otherwise noted. Penalty may be imposed for early withdrawal.
8There is one penalty-free withdrawal per term for any 91 Day CD (only after the first six days of the deposit's term). Minimum balance to open 91 Day CD is $500. Account may be opened with $25 when electronic deposits are established.
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.