Deposit Rates

Deposit Account rates as of Monday, January 30, 2023. Rates are subject to change at any time.

Checking Accounts | Savings & Money Market Accounts | CDs | Retirement Accounts

Featured Rate: Earn up to 3.50% APY^1,4 with a High Yield Savings Account Learn more

Checking Accounts

Account¹	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

Savings & Money Markets

Savings Accounts¹
Account	Minimum Balance to Open	Minimum Daily Balance to Earn APY	Annual Percentage Yield (APY)	Minimum Daily Balance to Avoid Monthly Maintenance Fees
Statement Savings Account	$10	$10	0.02%	$10

High Yield Savings Accounts^1,4
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 Open now	$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

Personal 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

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 Account²
Open now

$2,500

$0 - $24,999.99

1.25%

$2,500

PrimaryPlus Money Market Account²

$2,500

$25,000 - $99,999.99

1.25%

$2,500

PrimaryPlus Money Market Account²

$2,500

$100,000 - $249,999.99

1.50%

$2,500

PrimaryPlus Money Market Account²

$2,500

$250,000 - $499,999.99

2.00%

$2,500

PrimaryPlus Money Market Account²

$2,500

$500,000 - $999,999.99

2.00%

$2,500

PrimaryPlus Money Market Account²

$2,500

$1,000,000+

2.00%

$2,500

Premier5 Money Market Account³
Open now

$2,500

$0 - $24,999.99

1.25%

$2,500

Premier5 Money Market Account³

$2,500

$25,000 - $99,999.99

1.25%

$2,500

Premier5 Money Market Account³

$2,500

$100,000 - $249,999.99

1.50%

$2,500

Premier5 Money Market Account³

$2,500

$250,000 - $499,999.99

2.00%

$2,500

Premier5 Money Market Account³

$2,500

$500,000 - $999,999.99

2.00%

$2,500

Premier5 Money Market Account³

$2,500

$1,000,000+

2.00%

$2,500

¹Rate may change after opening. Fees could reduce earnings on accounts.
²Available exclusively to PrimaryPlus relationship customers. Learn more.
³Available exclusively to Premier5 relationship customers. Learn more.
⁴This account must be opened with a minimum of $10,000 in new funds not already on deposit with Cape Cod 5.

Certificates of Deposit (CDs)⁵

Higher CD rates are available to PrimaryPlus and Premier5 relationship customers. Learn how to qualify.

For additional rate information, visit a Banking Center or call our Customer Service Center at 888-225-4636.


Term	Annual Percentage Yield (APY)	PrimaryPlus Banking APY	Premier5 Banking APY
91 Day CD⁶	0.03%	0.06%	0.08%
6 Month CD	0.03%	0.06%	0.08%
9 Month CD	0.03%	0.06%	0.08%
10 Month CD Open now	4.25%	4.25%	4.25%
12 Month CD	0.05%	0.08%	0.10%
17 Month CD Open now	4.25%	4.25%	4.25%
18 Month CD	0.05%	0.08%	0.10%
24 Month CD	0.08%	0.11%	0.13%
36 Month CD Open now	4.25%	4.25%	4.25%
48 Month CD	0.08%	0.11%	0.13%
60 Month CD	0.08%	0.11%	0.13%

⁵Minimum balance to open all CDs is $1,000. A penalty may be imposed for early withdrawal.
⁶There is one penalty-free withdrawal per term for any 91 day CD (only after the first six days of the deposit's term).

Retirement Accounts (IRAs)

Higher Retirement Account rates are available to PrimaryPlus and Premier5 relationship customers. Learn how to qualify.

For additional rate information, visit a Banking Center or call our Customer Service Center at 888-225-4636.

Retirement Savings Accounts (IRAs)¹
Account	Minimum Balance to Open	Minimum Daily Balance to Earn APY	Annual Percentage Yield (APY)
Savings Account	$10	$10	0.02%

**Retirement High Yield Savings Accounts (IRAs)^1,5**
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

Retirement Money Market Accounts(IRAs)¹
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 Account²	$10	$0 - $24,999.99	1.25%	$0
Premier 5 Retirement Money Market Account²	$10	$25,000 - $99,999.99	1.25%	$0
Premier 5 Retirement Money Market Account²	$10	$100,000 - $249,999.99	1.50%	$0
Premier 5 Retirement Money Market Account²	$10	$250,000 - $499,999.99	2.00%	$0
Premier 5 Retirement Money Market Account²	$10	$500,000 - $999,999.99	2.00%	$0
Premier 5 Retirement Money Market Account²	$10	$1,000,000+	2.00%	$0

Retirement Certificates of Deposit (IRA CDs)³
Account	Annual Percentage Yield (APY)	PrimaryPlus Banking APY	Premier5 Banking APY
91 Day CD⁴	0.03%	0.06%	0.08%
6 Month CD	0.03%	0.06%	0.08%
9 Month CD	0.03%	0.06%	0.08%
10 Month CD	4.25%	4.25%	4.25%
12 Month CD	0.05%	0.08%	0.10%
17 Month CD	4.25%	4.25%	4.25%
18 Month CD	0.05%	0.08%	0.10%
24 Month CD	0.08%	0.11%	0.13%
36 Month CD	4.25%	4.25%	4.25%
48 Month CD	0.08%	0.11%	0.13%
60 Month CD	0.08%	0.11%	0.13%

¹Rate may change after opening. Fees could reduce earnings on accounts.
²Available exclusively to Premier5 relationship customers. Learn more.
³Minimum balance to open IRAs is $1,000 unless otherwise noted. Penalty may be imposed for early withdrawal.
⁴There 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.
⁵This account must be opened with a minimum of $10,000 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.

Need Help?

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