# Cape Cod 5 CD rates

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.

Canonical page: https://apyledger.com/cd-rates/cape-cod-five
Institution: The Cape Cod Five Cents Savings Bank (FDIC 23287)
Aliases: The Cape Cod Five Cents Savings Bank, Cape Cod Five
Status: live
Last verified: 2026-10-23T01:37:14.000Z (October 22, 2026)
Official source: https://www.capecodfive.com/personal/deposit-rates
Coverage: 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.
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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 91 Day CD - Premier5 Banking | relationship | 91 days | $1,000 | 3.55% | Not ZIP-priced | −0.75% | 2026-10-23T01:37:14.000Z | [Snapshot 513](https://apyledger.com/snapshots/513) |
| 91 Day CD - PrimaryPlus Banking | relationship | 91 days | $1,000 | 3.53% | Not ZIP-priced | −0.77% | 2026-10-23T01:37:14.000Z | [Snapshot 513](https://apyledger.com/snapshots/513) |
| 91 Day CD | standard | 91 days | $1,000 | 3.50% | Not ZIP-priced | −0.79% | 2026-10-23T01:37:14.000Z | [Snapshot 513](https://apyledger.com/snapshots/513) |
| 6 Month CD - Premier5 Banking | relationship | 6 months | $1,000 | 3.70% | Not ZIP-priced | −0.70% | 2026-10-23T01:37:14.000Z | [Snapshot 513](https://apyledger.com/snapshots/513) |
| 6 Month CD - PrimaryPlus Banking | relationship | 6 months | $1,000 | 3.68% | Not ZIP-priced | −0.72% | 2026-10-23T01:37:14.000Z | [Snapshot 513](https://apyledger.com/snapshots/513) |
| 6 Month CD | standard | 6 months | $1,000 | 3.65% | Not ZIP-priced | −0.75% | 2026-10-23T01:37:14.000Z | [Snapshot 513](https://apyledger.com/snapshots/513) |
| 9 Month CD - Premier5 Banking | relationship | 9 months | $1,000 | 3.85% | Not ZIP-priced | −0.63% | 2026-10-23T01:37:14.000Z | [Snapshot 513](https://apyledger.com/snapshots/513) |
| 9 Month CD - PrimaryPlus Banking | relationship | 9 months | $1,000 | 3.83% | Not ZIP-priced | −0.65% | 2026-10-23T01:37:14.000Z | [Snapshot 513](https://apyledger.com/snapshots/513) |
| 9 Month CD | standard | 9 months | $1,000 | 3.80% | Not ZIP-priced | −0.68% | 2026-10-23T01:37:14.000Z | [Snapshot 513](https://apyledger.com/snapshots/513) |
| 12 Month CD - Premier5 Banking | relationship | 12 months | $1,000 | 4.00% | Not ZIP-priced | −0.57% | 2026-10-23T01:37:14.000Z | [Snapshot 513](https://apyledger.com/snapshots/513) |
| 12 Month CD - PrimaryPlus Banking | relationship | 12 months | $1,000 | 3.98% | Not ZIP-priced | −0.59% | 2026-10-23T01:37:14.000Z | [Snapshot 513](https://apyledger.com/snapshots/513) |
| 12 Month CD | standard | 12 months | $1,000 | 3.95% | Not ZIP-priced | −0.62% | 2026-10-23T01:37:14.000Z | [Snapshot 513](https://apyledger.com/snapshots/513) |
| 18 Month CD - Premier5 Banking | relationship | 18 months | $1,000 | 3.85% | Not ZIP-priced | −0.87% | 2026-10-23T01:37:14.000Z | [Snapshot 513](https://apyledger.com/snapshots/513) |
| 18 Month CD - PrimaryPlus Banking | relationship | 18 months | $1,000 | 3.83% | Not ZIP-priced | −0.89% | 2026-10-23T01:37:14.000Z | [Snapshot 513](https://apyledger.com/snapshots/513) |
| 18 Month CD | standard | 18 months | $1,000 | 3.80% | Not ZIP-priced | −0.92% | 2026-10-23T01:37:14.000Z | [Snapshot 513](https://apyledger.com/snapshots/513) |
| 24 Month CD - Premier5 Banking | relationship | 24 months | $1,000 | 3.90% | Not ZIP-priced | −0.97% | 2026-10-23T01:37:14.000Z | [Snapshot 513](https://apyledger.com/snapshots/513) |
| 24 Month CD - PrimaryPlus Banking | relationship | 24 months | $1,000 | 3.88% | Not ZIP-priced | −0.99% | 2026-10-23T01:37:14.000Z | [Snapshot 513](https://apyledger.com/snapshots/513) |
| 24 Month CD | standard | 24 months | $1,000 | 3.85% | Not ZIP-priced | −1.02% | 2026-10-23T01:37:14.000Z | [Snapshot 513](https://apyledger.com/snapshots/513) |
| 36 Month CD - Premier5 Banking | relationship | 36 months | $1,000 | 3.90% | Not ZIP-priced | −1.05% | 2026-10-23T01:37:14.000Z | [Snapshot 513](https://apyledger.com/snapshots/513) |
| 36 Month CD - PrimaryPlus Banking | relationship | 36 months | $1,000 | 3.88% | Not ZIP-priced | −1.07% | 2026-10-23T01:37:14.000Z | [Snapshot 513](https://apyledger.com/snapshots/513) |
| 36 Month CD | standard | 36 months | $1,000 | 3.85% | Not ZIP-priced | −1.10% | 2026-10-23T01:37:14.000Z | [Snapshot 513](https://apyledger.com/snapshots/513) |
| 48 Month CD - Premier5 Banking | relationship | 48 months | $1,000 | 3.60% | Not ZIP-priced | −1.38% | 2026-10-23T01:37:14.000Z | [Snapshot 513](https://apyledger.com/snapshots/513) |
| 48 Month CD - PrimaryPlus Banking | relationship | 48 months | $1,000 | 3.58% | Not ZIP-priced | −1.40% | 2026-10-23T01:37:14.000Z | [Snapshot 513](https://apyledger.com/snapshots/513) |
| 48 Month CD | standard | 48 months | $1,000 | 3.55% | Not ZIP-priced | −1.43% | 2026-10-23T01:37:14.000Z | [Snapshot 513](https://apyledger.com/snapshots/513) |
| 60 Month CD - Premier5 Banking | relationship | 60 months | $1,000 | 3.60% | Not ZIP-priced | −1.41% | 2026-10-23T01:37:14.000Z | [Snapshot 513](https://apyledger.com/snapshots/513) |
| 60 Month CD - PrimaryPlus Banking | relationship | 60 months | $1,000 | 3.58% | Not ZIP-priced | −1.43% | 2026-10-23T01:37:14.000Z | [Snapshot 513](https://apyledger.com/snapshots/513) |
| 60 Month CD | standard | 60 months | $1,000 | 3.55% | Not ZIP-priced | −1.46% | 2026-10-23T01:37:14.000Z | [Snapshot 513](https://apyledger.com/snapshots/513) |

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.