Cape Cod 5 CD Rates — October 2026
As of October 22, 2026, Cape Cod 5's highest tracked CD rate is 4.00% APY on a 12-month relationship CD ($1,000 minimum). That is 2.3 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 3.50% to 3.95% APY.
Tracking began .
With $10,000 and no relationship requirement: 3.95% on 12 months
Cape Cod 5 CD rates
CDs from 91 days to 60 months quoted in three balance tiers; most CDs require $1,000 and the 91-day CD $500 (one penalty-free withdrawal per term after seven days). Some offers require $5,000 in new funds. IRA rates are excluded. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 91 days | 91 Day CD - Premier5 Banking Relationship | $1,000 | 3.55% | −0.75% | Top 22% of tracked 91-day CDs · Verified October 22, 2026 |
| 91 days | 91 Day CD - PrimaryPlus Banking Relationship | $1,000 | 3.53% | −0.77% | Top 22% of tracked 91-day CDs · Verified October 22, 2026 |
| 91 days | 91 Day CD | $1,000 | 3.50% | −0.79% | Top 27% of tracked 91-day CDs · Verified October 22, 2026 |
| 6 months | 6 Month CD - Premier5 Banking Relationship | $1,000 | 3.70% | −0.70% | Top 35% of tracked 6-month CDs · Verified October 22, 2026 |
| 6 months | 6 Month CD - PrimaryPlus Banking Relationship | $1,000 | 3.68% | −0.72% | Top 35% of tracked 6-month CDs · Verified October 22, 2026 |
| 6 months | 6 Month CD | $1,000 | 3.65% | −0.75% | Top 39% of tracked 6-month CDs · Verified October 22, 2026 |
| 9 months | 9 Month CD - Premier5 Banking Relationship | $1,000 | 3.85% | −0.63% | Top 34% of tracked 9-month CDs · Verified October 22, 2026 |
| 9 months | 9 Month CD - PrimaryPlus Banking Relationship | $1,000 | 3.83% | −0.65% | Top 35% of tracked 9-month CDs · Verified October 22, 2026 |
| 9 months | 9 Month CD | $1,000 | 3.80% | −0.68% | Top 38% of tracked 9-month CDs · Verified October 22, 2026 |
| 12 months | 12 Month CD - Premier5 Banking Relationship | $1,000 | 4.00% | −0.57% | Top 28% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | 12 Month CD - PrimaryPlus Banking Relationship | $1,000 | 3.98% | −0.59% | Top 28% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | 12 Month CD | $1,000 | 3.95% | −0.62% | Top 31% of tracked 12-month CDs · Verified October 22, 2026 |
| 18 months | 18 Month CD - Premier5 Banking Relationship | $1,000 | 3.85% | −0.87% | Top 37% of tracked 18-month CDs · Verified October 22, 2026 |
| 18 months | 18 Month CD - PrimaryPlus Banking Relationship | $1,000 | 3.83% | −0.89% | Top 37% of tracked 18-month CDs · Verified October 22, 2026 |
| 18 months | 18 Month CD | $1,000 | 3.80% | −0.92% | Top 40% of tracked 18-month CDs · Verified October 22, 2026 |
| 24 months | 24 Month CD - Premier5 Banking Relationship | $1,000 | 3.90% | −0.97% | Top 28% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | 24 Month CD - PrimaryPlus Banking Relationship | $1,000 | 3.88% | −0.99% | Top 28% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | 24 Month CD | $1,000 | 3.85% | −1.02% | Top 31% of tracked 24-month CDs · Verified October 22, 2026 |
| 36 months | 36 Month CD - Premier5 Banking Relationship | $1,000 | 3.90% | −1.05% | Top 24% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | 36 Month CD - PrimaryPlus Banking Relationship | $1,000 | 3.88% | −1.07% | Top 24% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | 36 Month CD | $1,000 | 3.85% | −1.10% | Top 26% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | 48 Month CD - Premier5 Banking Relationship | $1,000 | 3.60% | −1.38% | Top 33% of tracked 48-month CDs · Verified October 22, 2026 |
| 48 months | 48 Month CD - PrimaryPlus Banking Relationship | $1,000 | 3.58% | −1.40% | Top 33% of tracked 48-month CDs · Verified October 22, 2026 |
| 48 months | 48 Month CD | $1,000 | 3.55% | −1.43% | Top 35% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | 60 Month CD - Premier5 Banking Relationship | $1,000 | 3.60% | −1.41% | Top 36% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | 60 Month CD - PrimaryPlus Banking Relationship | $1,000 | 3.58% | −1.43% | Top 36% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | 60 Month CD | $1,000 | 3.55% | −1.46% | Top 39% of tracked 60-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.
What are Cape Cod 5's best CD rates by term?
Cape Cod 5's best rate is 4.00% APY on 12 months, verified October 22, 2026.
- 91 days3.55%
- 6 mo3.70%
- 9 mo3.85%
- 12 mo4.00%
- 18 mo3.85%
- 24 mo3.90%
- 36 mo3.90%
- 48 mo3.60%
- 60 mo3.60%
How much interest could a Cape Cod 5 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.
$400.00 interest · $10,400.00 at maturity on $10,000.00.
4.00% APY · 12 months · 12 Month CD - Premier5 Banking · Relationship · 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 |
|---|---|---|---|---|
| 91 days | $43.683.55% APY · 91 Day CD - Premier5 Banking · Relationship | $87.353.55% APY · 91 Day CD - Premier5 Banking · Relationship | $218.383.55% APY · 91 Day CD - Premier5 Banking · Relationship | $436.763.55% APY · 91 Day CD - Premier5 Banking · Relationship |
| 6 months | $91.913.70% APY · 6 Month CD - Premier5 Banking · Relationship | $183.833.70% APY · 6 Month CD - Premier5 Banking · Relationship | $459.573.70% APY · 6 Month CD - Premier5 Banking · Relationship | $919.133.70% APY · 6 Month CD - Premier5 Banking · Relationship |
| 9 months | $143.823.85% APY · 9 Month CD - Premier5 Banking · Relationship | $287.653.85% APY · 9 Month CD - Premier5 Banking · Relationship | $719.123.85% APY · 9 Month CD - Premier5 Banking · Relationship | $1,438.243.85% APY · 9 Month CD - Premier5 Banking · Relationship |
| 12 months | $200.004.00% APY · 12 Month CD - Premier5 Banking · Relationship | $400.004.00% APY · 12 Month CD - Premier5 Banking · Relationship | $1,000.004.00% APY · 12 Month CD - Premier5 Banking · Relationship | $2,000.004.00% APY · 12 Month CD - Premier5 Banking · Relationship |
| 18 months | $291.793.85% APY · 18 Month CD - Premier5 Banking · Relationship | $583.573.85% APY · 18 Month CD - Premier5 Banking · Relationship | $1,458.933.85% APY · 18 Month CD - Premier5 Banking · Relationship | $2,917.853.85% APY · 18 Month CD - Premier5 Banking · Relationship |
| 24 months | $397.603.90% APY · 24 Month CD - Premier5 Banking · Relationship | $795.213.90% APY · 24 Month CD - Premier5 Banking · Relationship | $1,988.023.90% APY · 24 Month CD - Premier5 Banking · Relationship | $3,976.053.90% APY · 24 Month CD - Premier5 Banking · Relationship |
| 36 months | $608.113.90% APY · 36 Month CD - Premier5 Banking · Relationship | $1,216.223.90% APY · 36 Month CD - Premier5 Banking · Relationship | $3,040.563.90% APY · 36 Month CD - Premier5 Banking · Relationship | $6,081.123.90% APY · 36 Month CD - Premier5 Banking · Relationship |
| 48 months | $759.823.60% APY · 48 Month CD - Premier5 Banking · Relationship | $1,519.643.60% APY · 48 Month CD - Premier5 Banking · Relationship | $3,799.113.60% APY · 48 Month CD - Premier5 Banking · Relationship | $7,598.223.60% APY · 48 Month CD - Premier5 Banking · Relationship |
| 60 months | $967.183.60% APY · 60 Month CD - Premier5 Banking · Relationship | $1,934.353.60% APY · 60 Month CD - Premier5 Banking · Relationship | $4,835.883.60% APY · 60 Month CD - Premier5 Banking · Relationship | $9,671.753.60% APY · 60 Month CD - Premier5 Banking · Relationship |
How Cape Cod 5 compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 365-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 77 of 342 tracked institutions with fresh 365-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 Cod 5 (this institution)12 Month CD - Premier5 Banking · Relationship | 12 months | $1,000 | Branches in MA | 4.00% | October 22, 2026 |
| Popular DirectCD · Standard | 12 months | $10,000 | Available nationwide | 4.60% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 12 months | Not stated | Available nationwide | 4.55% | October 22, 2026 |
| BarclaysOnline CD · Standard | 12 months | Not stated | Available nationwide | 4.50% | October 22, 2026 |
| Truliant Federal Credit Union (highest tracked APY for this term)Limited-Time 12 Month Term (new external funds required) · Promotional | 12 months | $5,000 | Membership required · branches in NC, SC, VA | 5.00% | October 22, 2026 |
| Treasury (APY-equivalent) | 12 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.57% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Cape Cod 5 on October 22, 2026.
About Cape Cod 5
- Legal name
- The Cape Cod Five Cents Savings Bank
- Regulator ID
- FDIC 23287
- Headquarters
- Hyannis, MA
- Available in
- MA
- Total assets
- $5.6 billion
- Also known as
- The Cape Cod Five Cents Savings Bank, Cape Cod Five
- Website
- www.capecodfive.com
Source: rates read from https://www.capecodfive.com/personal/deposit-rates. See the page text we read.
Frequently asked questions
What is the highest CD rate at Cape Cod 5?
Among the rates we track, 4.00% APY on a 12-month relationship CD, as of October 22, 2026.
What is the minimum deposit for a Cape Cod 5 CD?
The lowest minimum we found is $1,000.
How does Cape Cod 5's best CD rate compare with Treasury yields?
4.00% APY is −0.57% versus the 12-month Treasury yield of 4.57% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.00% a good CD rate?
It is 2.3 times the FDIC national average for a similar term (1.76% 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 Cod 5 CDs insured?
Cape Cod 5 is an FDIC-insured bank (FDIC 23287). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Cape Cod 5's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Cape Cod 5's website and may change at any time. Confirm terms, minimums and eligibility with Cape Cod 5 before opening an account. This page is not financial advice.