# Cape & Coast Bank CD rates

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.

Canonical page: https://apyledger.com/cd-rates/cape-and-coast-bank
Institution: Cape & Coast Bank (FDIC 26517)
Aliases: 
Status: live
Last verified: 2026-10-23T03:19:04.000Z (October 22, 2026)
Official source: https://www.capeandcoastbank.com/rates/
Coverage: CD specials (4 and 8 months) and standard CDs with a $500 minimum to open. Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 4 Month Special CD | promotional | 4 months | $500 | 3.70% | Not ZIP-priced | −0.69% | 2026-10-23T03:19:04.000Z | [Snapshot 942](https://apyledger.com/snapshots/942) |
| 8 Month Special CD | promotional | 8 months | $500 | 3.50% | Not ZIP-priced | −0.95% | 2026-10-23T03:19:04.000Z | [Snapshot 942](https://apyledger.com/snapshots/942) |
| 9 Month CD | standard | 9 months | $500 | 1.40% | Not ZIP-priced | −3.08% | 2026-10-23T03:19:04.000Z | [Snapshot 942](https://apyledger.com/snapshots/942) |
| 12 Month CD | standard | 12 months | $500 | 2.95% | Not ZIP-priced | −1.62% | 2026-10-23T03:19:04.000Z | [Snapshot 942](https://apyledger.com/snapshots/942) |
| 18 Month CD | standard | 18 months | $500 | 2.75% | Not ZIP-priced | −1.97% | 2026-10-23T03:19:04.000Z | [Snapshot 942](https://apyledger.com/snapshots/942) |
| 2 Year CD | standard | 24 months | $500 | 2.55% | Not ZIP-priced | −2.32% | 2026-10-23T03:19:04.000Z | [Snapshot 942](https://apyledger.com/snapshots/942) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.