Cape & Coast Bank CD Rates — October 2026
As of October 22, 2026, Cape & Coast Bank's highest tracked CD rate is 3.70% APY on a 4-month promotional CD ($500 minimum). That is 3.2 times the FDIC national average for 3-month CDs (1.14%). Standard CD rates range from 1.40% to 2.95% APY.
Tracking began .
Cape & Coast Bank CD rates
CD specials (4 and 8 months) and standard CDs with a $500 minimum to open. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 4 months | 4 Month Special CD Promotional | $500 | 3.70% | −0.69% | Verified October 22, 2026 |
| 8 months | 8 Month Special CD Promotional | $500 | 3.50% | −0.95% | Verified October 22, 2026 |
| 9 months | 9 Month CD | $500 | 1.40% | −3.08% | Top 89% of tracked 9-month CDs · Verified October 22, 2026 |
| 12 months | 12 Month CD | $500 | 2.95% | −1.62% | Top 72% of tracked 12-month CDs · Verified October 22, 2026 |
| 18 months | 18 Month CD | $500 | 2.75% | −1.97% | Top 71% of tracked 18-month CDs · Verified October 22, 2026 |
| 24 months | 2 Year CD | $500 | 2.55% | −2.32% | Top 72% of tracked 24-month CDs · Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
Watch the renewal rate
The best promotional rate here is 3.70% APY (4 months). The standard rate for a similar term is 1.40% APY (9 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $230 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are Cape & Coast Bank's best CD rates by term?
Cape & Coast Bank's best rate is 3.70% APY on 4 months, verified October 22, 2026.
- 4 mo3.70%
- 8 mo3.50%
- 9 mo1.40%
- 12 mo2.95%
- 18 mo2.75%
- 24 mo2.55%
How much interest could a Cape & Coast Bank CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$122.18 interest · $10,122.18 at maturity on $10,000.00.
3.70% APY · 4 months · 4 Month Special CD · Promotional · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 4 months | $61.093.70% APY · 4 Month Special CD · Promotional | $122.183.70% APY · 4 Month Special CD · Promotional | $305.453.70% APY · 4 Month Special CD · Promotional | $610.893.70% APY · 4 Month Special CD · Promotional |
| 8 months | $115.843.50% APY · 8 Month Special CD · Promotional | $231.673.50% APY · 8 Month Special CD · Promotional | $579.183.50% APY · 8 Month Special CD · Promotional | $1,158.363.50% APY · 8 Month Special CD · Promotional |
| 9 months | $52.461.40% APY · 9 Month CD · Standard | $104.911.40% APY · 9 Month CD · Standard | $262.281.40% APY · 9 Month CD · Standard | $524.571.40% APY · 9 Month CD · Standard |
| 12 months | $147.502.95% APY · 12 Month CD · Standard | $295.002.95% APY · 12 Month CD · Standard | $737.502.95% APY · 12 Month CD · Standard | $1,475.002.95% APY · 12 Month CD · Standard |
| 18 months | $207.862.75% APY · 18 Month CD · Standard | $415.712.75% APY · 18 Month CD · Standard | $1,039.282.75% APY · 18 Month CD · Standard | $2,078.552.75% APY · 18 Month CD · Standard |
| 24 months | $258.252.55% APY · 2 Year CD · Standard | $516.502.55% APY · 2 Year CD · Standard | $1,291.262.55% APY · 2 Year CD · Standard | $2,582.512.55% APY · 2 Year CD · Standard |
How Cape & Coast Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 122-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 9 of 25 tracked institutions with fresh 122-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| Cape & Coast Bank (this institution)4 Month Special CD · Promotional | 4 months | $500 | Branches in MA | 3.70% | October 22, 2026 |
| Cambridge Savings Bank4 Month Special · Promotional | 4 months | $1,000 | Branches in MA | 3.85% | October 22, 2026 |
| Hingham Institution for SavingsCertificate of Deposit · Standard | 4 months | $1,000 | Branches in DC, MA | 3.70% | October 22, 2026 |
| Winchester Savings Bank4 Month Certificate · Standard | 4 months | $500 | Branches in MA | 3.60% | October 22, 2026 |
| Justice Federal Credit Union (highest tracked APY for this term)4-Month Special Certificate · Relationship | 4 months | $100,000 | Membership required · branches in 9 states | 4.75% | October 22, 2026 |
| Treasury (APY-equivalent) | 4 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.39% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Cape & Coast Bank on October 22, 2026.
About Cape & Coast Bank
- Legal name
- Cape & Coast Bank
- Regulator ID
- FDIC 26517
- Headquarters
- Yarmouth Port, MA
- Available in
- MA
- Total assets
- $1.7 billion
- Also known as
- Website
- www.capeandcoastbank.com
Source: rates read from https://www.capeandcoastbank.com/rates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at Cape & Coast Bank?
Among the rates we track, 3.70% APY on a 4-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a Cape & Coast Bank CD?
The lowest minimum we found is $500.
How does Cape & Coast Bank's best CD rate compare with Treasury yields?
3.70% APY is −0.69% versus the 4-month Treasury yield of 4.39% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 3.70% a good CD rate?
It is 3.2 times the FDIC national average for a similar term (1.14% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Cape & Coast Bank CDs insured?
Cape & Coast Bank is an FDIC-insured bank (FDIC 26517). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Cape & Coast Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Cape & Coast Bank's website and may change at any time. Confirm terms, minimums and eligibility with Cape & Coast Bank before opening an account. This page is not financial advice.