# Cape Ann Savings Bank CD rates

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.

Canonical page: https://apyledger.com/cd-rates/cape-ann-savings-bank
Institution: Cape Ann Savings Bank (FDIC 90203)
Aliases: 
Status: live
Last verified: 2026-10-23T11:31:40.000Z (October 23, 2026)
Official source: https://www.capeannsavings.bank/personal/deposit-rates
Coverage: 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.
Treasury comparison date: 2026-10-22. 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate of Deposit | standard | 6 months | $500 | 3.56% | Not ZIP-priced | −0.78% | 2026-10-23T11:31:40.000Z | [Snapshot 1002](https://apyledger.com/snapshots/1002) |
| Certificate of Deposit | standard | 9 months | $500 | 2.78% | Not ZIP-priced | −1.62% | 2026-10-23T11:31:40.000Z | [Snapshot 1002](https://apyledger.com/snapshots/1002) |
| Certificate of Deposit | standard | 12 months | $500 | 2.78% | Not ZIP-priced | −1.68% | 2026-10-23T11:31:40.000Z | [Snapshot 1002](https://apyledger.com/snapshots/1002) |
| Certificate of Deposit | promotional | 13 months | $500 | 4.10% | Not ZIP-priced | −0.38% | 2026-10-23T11:31:40.000Z | [Snapshot 1002](https://apyledger.com/snapshots/1002) |
| Certificate of Deposit | standard | 18 months | $500 | 4.18% | Not ZIP-priced | −0.40% | 2026-10-23T11:31:40.000Z | [Snapshot 1002](https://apyledger.com/snapshots/1002) |
| Certificate of Deposit | standard | 24 months | $500 | 0.75% | Not ZIP-priced | −3.95% | 2026-10-23T11:31:40.000Z | [Snapshot 1002](https://apyledger.com/snapshots/1002) |
| Certificate of Deposit | standard | 30 months | $500 | 0.75% | Not ZIP-priced | −3.99% | 2026-10-23T11:31:40.000Z | [Snapshot 1002](https://apyledger.com/snapshots/1002) |
| Certificate of Deposit | standard | 36 months | $500 | 0.75% | Not ZIP-priced | −4.03% | 2026-10-23T11:31:40.000Z | [Snapshot 1002](https://apyledger.com/snapshots/1002) |
| Certificate of Deposit | standard | 48 months | $500 | 0.75% | Not ZIP-priced | −4.06% | 2026-10-23T11:31:40.000Z | [Snapshot 1002](https://apyledger.com/snapshots/1002) |
| Certificate of Deposit | standard | 60 months | $500 | 1.00% | Not ZIP-priced | −3.84% | 2026-10-23T11:31:40.000Z | [Snapshot 1002](https://apyledger.com/snapshots/1002) |

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.