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Advertiser Disclosure
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 Cape Ann Savings Bank Rates & Review August 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: August 28, 2026
Cape Ann Savings Bank's 11-Months 11-Month - Special rates are at 3.82%, 6-Months 6-Month rates are at 3.56%, 1 1/2 Years rates are at 2.78%, 1 Year rates are at 2.78%, 9-Months 9-Month rates are at 2.78%. Cape Ann Savings Bank's savings rates are at 0.25%. Cape Ann Savings Bank's money market rates are at 0.00%. Cape Ann Savings Bank's 10-yr Fixed Rate Mortgage rates are at 5.25%, 15-yr Fixed Rate Mortgage rates are at 5.62%, First-Time Homebuyer Mortgage Program - 30 Year Fixed rates are at 5.88%, First-Time Homebuyer Mortgage Program - Fixed Rate rates are at 5.88%, 20-yr Fixed Rate Mortgage rates are at 5.99%. MonitorBankRates evaluates the financial stability of Cape Ann Savings Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.84%. Rates last updated and verified on 08/28/2026. Cape Ann Savings Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Cape Ann Savings Bank? Share your experience about Cape Ann Savings Bank by leaving a review below, or read customer reviews before you decide to use Cape Ann Savings Bank. 
Cape Ann Savings Bank CD Rates
Cape Ann Savings Bank Savings Rates
Cape Ann Savings Bank Money Market Rates
Cape Ann Savings Bank Checking Rates
Cape Ann Savings Bank Mortgage Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Cape Ann Savings Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Cape Ann Savings Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Cape Ann Savings Bank's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Cape Ann Savings Bank
FDIC Certificate #
90203
Address
109 Main St,
Gloucester, MA 01930 · Essex
Website
https://www.capeannsavings.bank
Established
04/15/1846
FDIC Insurance Date
10/22/1985
Domestic Offices
4
Total Branches
4
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 99/100
5.0
Exceptional
Out of 5.0 Stars
1.84%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.1745%
Return on Equity (ROE)
0.9000%
Non-Performing Loans (NPL)
0.31%
Total Assets
$1,039,087,000
Total Deposits
$782,657,000
Equity Capital
$208,908,000
Net Income
$10,976,000
Headquarters
Gloucester
Total Branches and Offices
4
Source: FDIC | Last Updated 12/31/2025
Customer Reviews
There are no reviews for Cape Ann Savings Bank yet. Feel free to create one below.
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Add Your Rating and Review for Cape Ann Savings Bank
Frequently Asked Questions About Cape Ann Savings BankHow many branches does Cape Ann Savings Bank operate?Cape Ann Savings Bank currently maintains approximately 4 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, Cape Ann Savings Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Cape Ann Savings Bank provides members with tools to manage their accounts and build a solid financial history. Does Cape Ann Savings Bank offer online and mobile banking?Most modern institutions like Cape Ann Savings Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.capeannsavings.bank. Current Cape Ann Savings Bank Rates
Retrieved from our database of financial products. Rates subject to change.
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