Cape Ann Savings Bank CD Rates — October 2026
As of October 23, 2026, Cape Ann Savings Bank's highest tracked CD rate is 4.18% APY on an 18-month CD ($500 minimum). That is 2.7 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 0.75% to 4.18% APY.
Tracking began .
Cape Ann Savings Bank CD rates
Personal CDs require $500. The 13- and 18-month products share a $5 million aggregate deposit cap per primary tax owner, including their IRA versions. Early withdrawal penalties may apply.
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-22 (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 4.10% APY (13 months). The standard rate for a similar term is 2.78% APY (12 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $132 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 Ann Savings Bank's best CD rates by term?
Cape Ann Savings Bank's best rate is 4.18% APY on 18 months, verified October 23, 2026.
- 6 mo3.56%
- 9 mo2.78%
- 12 mo2.78%
- 13 mo4.10%
- 18 mo4.18%
- 24 mo0.75%
- 30 mo0.75%
- 36 mo0.75%
- 48 mo0.75%
- 60 mo1.00%
How much interest could a Cape Ann Savings 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.
$634.10 interest · $10,634.10 at maturity on $10,000.00.
4.18% APY · 18 months · Certificate of Deposit · Standard · verified October 23, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 6 months | $88.473.56% APY · Certificate of Deposit · Standard | $176.933.56% APY · Certificate of Deposit · Standard | $442.333.56% APY · Certificate of Deposit · Standard | $884.663.56% APY · Certificate of Deposit · Standard |
| 9 months | $103.992.78% APY · Certificate of Deposit · Standard | $207.982.78% APY · Certificate of Deposit · Standard | $519.942.78% APY · Certificate of Deposit · Standard | $1,039.882.78% APY · Certificate of Deposit · Standard |
| 12 months | $139.002.78% APY · Certificate of Deposit · Standard | $278.002.78% APY · Certificate of Deposit · Standard | $695.002.78% APY · Certificate of Deposit · Standard | $1,390.002.78% APY · Certificate of Deposit · Standard |
| 13 months | $222.224.10% APY · Certificate of Deposit · Promotional | $444.444.10% APY · Certificate of Deposit · Promotional | $1,111.094.10% APY · Certificate of Deposit · Promotional | $2,222.194.10% APY · Certificate of Deposit · Promotional |
| 18 months | $317.054.18% APY · Certificate of Deposit · Standard | $634.104.18% APY · Certificate of Deposit · Standard | $1,585.264.18% APY · Certificate of Deposit · Standard | $3,170.524.18% APY · Certificate of Deposit · Standard |
| 24 months | $75.280.75% APY · Certificate of Deposit · Standard | $150.560.75% APY · Certificate of Deposit · Standard | $376.410.75% APY · Certificate of Deposit · Standard | $752.810.75% APY · Certificate of Deposit · Standard |
| 30 months | $94.330.75% APY · Certificate of Deposit · Standard | $188.660.75% APY · Certificate of Deposit · Standard | $471.650.75% APY · Certificate of Deposit · Standard | $943.300.75% APY · Certificate of Deposit · Standard |
| 36 months | $113.350.75% APY · Certificate of Deposit · Standard | $226.690.75% APY · Certificate of Deposit · Standard | $566.730.75% APY · Certificate of Deposit · Standard | $1,133.460.75% APY · Certificate of Deposit · Standard |
| 48 months | $151.700.75% APY · Certificate of Deposit · Standard | $303.390.75% APY · Certificate of Deposit · Standard | $758.480.75% APY · Certificate of Deposit · Standard | $1,516.960.75% APY · Certificate of Deposit · Standard |
| 60 months | $255.051.00% APY · Certificate of Deposit · Standard | $510.101.00% APY · Certificate of Deposit · Standard | $1,275.251.00% APY · Certificate of Deposit · Standard | $2,550.501.00% APY · Certificate of Deposit · Standard |
How Cape Ann Savings Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 548-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 68 of 362 tracked institutions with fresh 548-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 Ann Savings Bank (this institution)Certificate of Deposit · Standard | 18 months | $500 | Branches in MA | 4.18% | October 23, 2026 |
| Bread SavingsBread Savings CD · Standard | 18 months | $1,500 | Available nationwide | 4.85% | October 22, 2026 |
| Popular DirectCD · Standard | 18 months | $10,000 | Available nationwide | 4.75% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Standard | 18 months | Not stated | Available nationwide | 4.55% | October 22, 2026 |
| Kirtland Federal Credit Union (highest tracked APY for this term)18-Month Limited-Time Share Certificate · Promotional | 18 months | $500 | Membership required · branches in NM | 5.12% | October 22, 2026 |
| Treasury (APY-equivalent) | 18 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.58% | 2026-10-22 |
CD rate history
Tracking since October 2026. Each product, term, minimum deposit and location is tracked separately. Charts appear after 30 observed days per quote; missing days are not filled. Showing up to the latest year of observations.
Not enough daily observations yet. A chart will appear automatically once a quote has 30 observed days.
Rate changes
See changes across all tracked institutions
No changes since we started tracking Cape Ann Savings Bank on October 23, 2026.
About Cape Ann Savings Bank
- Legal name
- Cape Ann Savings Bank
- Regulator ID
- FDIC 90203
- Headquarters
- Gloucester, MA
- Available in
- MA
- Total assets
- $1.1 billion
- Also known as
- Website
- capeannsavings.bank
Source: rates read from https://www.capeannsavings.bank/personal/deposit-rates. See the page text we read.
Frequently asked questions
What is the highest CD rate at Cape Ann Savings Bank?
Among the rates we track, 4.18% APY on an 18-month CD, as of October 23, 2026.
What is the minimum deposit for a Cape Ann Savings Bank CD?
The lowest minimum we found is $500.
How does Cape Ann Savings Bank's best CD rate compare with Treasury yields?
4.18% APY is −0.40% versus the 18-month Treasury yield of 4.58% (APY-equivalent) on 2026-10-22. Treasury interest is also exempt from state income tax.
Is 4.18% a good CD rate?
It is 2.7 times the FDIC national average for a similar term (1.55% 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 Ann Savings Bank CDs insured?
Cape Ann Savings Bank is an FDIC-insured bank (FDIC 90203). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Cape Ann Savings Bank's rate page every day. The rates above were last verified on October 23, 2026.
More bank CD rates
Rates are copied from Cape Ann Savings Bank's website and may change at any time. Confirm terms, minimums and eligibility with Cape Ann Savings Bank before opening an account. This page is not financial advice.