Deposit Account rates as of Tuesday, May 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% APY1,4 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 Accounts1,4

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

   

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%

8 Month CD7
Open now

4.00%
 
4.00% 4.00%

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
Open Now

 

2.50%
 
2.50%
 
2.50%
 

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).
78 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.


Retirement Accounts (IRAs)

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%

8 Month CD6 4.00% 4.00% 4.00%
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%

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.
68 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.


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.

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