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Cape Cod Five Cents Savings Bank Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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: October 26, 2026
Cape Cod Five Cents Savings Bank's 12-Month CD - Premier5 Banking rates are at 4.00%, IRA CD - 12-Month CD rates are at 4.00%, Non-Profit Certificates of Deposit (CDs) - 12-Month CD rates are at 4.00%, 12-Month CD - PrimaryPlus Banking rates are at 3.98%, 12-Month CD rates are at 3.95%. Cape Cod Five Cents Savings Bank's savings rates are at 5.00%. Cape Cod Five Cents Savings Bank's money market rates are at 1.45%. Cape Cod Five Cents Savings Bank's Personal Loan Rates are as low as 6.875%. MonitorBankRates evaluates the financial stability of Cape Cod Five Cents Savings Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.37%. Rates last updated and verified on 10/26/2026.
Cape Cod Five Cents 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 Cod Five Cents Savings Bank? Share your experience about Cape Cod Five Cents Savings Bank by leaving a review below, or read customer reviews before you decide to use Cape Cod Five Cents Savings Bank.
Cape Cod Five Cents Savings Bank has earned an overall safety grade of A+ (Exceptional, Score: 98/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective FDIC regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Cape Cod Five Cents Savings Bank has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
3.37%
ExcellentLower than avg
Cape Cod Five Cents Savings Bank Texas Ratio
Cape Cod Five Cents Savings Bank's Texas Ratio is 3.37%, which is considered excellent and is lower than the national average of 5.85%.
Cape Cod Five Cents Savings Bank has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
1.90% to 3.37% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this bank has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.
Cape Cod Five Cents Savings Bank CD Rates
Product
Rate
APY
Term
View More
12 Month CD - Premier5 Banking
-
4.00%
12 Month
Min Deposit$1,000
DetailsMinimum balance to open all CDs is $1,000; A penalty may be imposed for early withdrawal
Last Updated10/26/2026
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
IRA CD - 12 Month CD
-
4.00%
12 Month
DetailsRetirement Certificates of Deposit (IRA CDs); Premier5 Banking APY
Last Updated10/26/2026
Rate History
1 change since Sep 18, 2026 · 3.20% → 4.00% ▲ 0.80 pts · high 4.00% / low 3.20%
Oct 20, 20264.00%▲ from 3.20%
Sep 18, 20263.20%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
Non-Profit Certificates of Deposit (CDs) - 12 Month CD
-
4.00%
12 months
Min Deposit$1,000
DetailsAvailable exclusively to organizations with documented 501c status; early withdrawal penalty may apply
Last Updated10/26/2026
Rate History
No change since Oct 20, 2026 · 4.00% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
12 Month CD - PrimaryPlus Banking
-
3.98%
12 Month
Min Deposit$1,000
DetailsMinimum balance to open all CDs is $1,000; A penalty may be imposed for early withdrawal
Last Updated10/26/2026
Rate History
No change since Oct 7, 2026 · 3.98% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
IRA CD - 12 Month CD
-
3.98%
12 Month
DetailsRetirement Certificates of Deposit (IRA CDs); PrimaryPlus Banking APY
Last Updated10/26/2026
Rate History
1 change since Sep 18, 2026 · 3.20% → 3.98% ▲ 0.78 pts · high 3.98% / low 3.20%
Oct 20, 20263.98%▲ from 3.20%
Sep 18, 20263.20%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
12 Month CD
-
3.95%
12 Month
Min Deposit$1,000
DetailsMinimum balance to open all CDs is $1,000; A penalty may be imposed for early withdrawal
Last Updated10/26/2026
Rate History
1 change since Sep 18, 2026 · 3.20% → 3.95% ▲ 0.75 pts · high 3.95% / low 3.20%
Oct 7, 20263.95%▲ from 3.20%
Sep 18, 20263.20%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
IRA CD - 12 Month CD
-
3.95%
12 Month
DetailsRetirement Certificates of Deposit (IRA CDs); Standard APY
Last Updated10/26/2026
Rate History
1 change since Sep 18, 2026 · 3.20% → 3.95% ▲ 0.75 pts · high 3.95% / low 3.20%
Oct 20, 20263.95%▲ from 3.20%
Sep 18, 20263.20%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
24 Month CD - Premier5 Banking
-
3.90%
24 Month
Min Deposit$1,000
DetailsMinimum balance to open all CDs is $1,000; A penalty may be imposed for early withdrawal
Last Updated10/26/2026
Rate History
No change since Oct 7, 2026 · 3.90% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
36 Month CD - Premier5 Banking
-
3.90%
36 Month
Min Deposit$1,000
DetailsMinimum balance to open all CDs is $1,000; A penalty may be imposed for early withdrawal
Last Updated10/26/2026
Rate History
No change since Oct 7, 2026 · 3.90% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
IRA CD - 24 Month CD
-
3.90%
24 Month
DetailsRetirement Certificates of Deposit (IRA CDs); Premier5 Banking APY
Last Updated10/26/2026
Rate History
1 change since Sep 18, 2026 · 3.00% → 3.90% ▲ 0.90 pts · high 3.90% / low 3.00%
Oct 20, 20263.90%▲ from 3.00%
Sep 18, 20263.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
IRA CD - 36 Month CD
-
3.90%
36 Month
DetailsRetirement Certificates of Deposit (IRA CDs); Premier5 Banking APY
Last Updated10/26/2026
Rate History
1 change since Sep 18, 2026 · 3.00% → 3.90% ▲ 0.90 pts · high 3.90% / low 3.00%
Oct 20, 20263.90%▲ from 3.00%
Sep 18, 20263.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
Non-Profit Certificates of Deposit (CDs) - 24 Month CD
-
3.90%
24 months
Min Deposit$1,000
DetailsAvailable exclusively to organizations with documented 501c status; early withdrawal penalty may apply
Last Updated10/26/2026
Rate History
No change since Oct 20, 2026 · 3.90% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
Non-Profit Certificates of Deposit (CDs) - 36 Month CD
-
3.90%
36 months
Min Deposit$1,000
DetailsAvailable exclusively to organizations with documented 501c status; early withdrawal penalty may apply
Last Updated10/26/2026
Rate History
No change since Oct 20, 2026 · 3.90% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
24 Month CD - PrimaryPlus Banking
-
3.88%
24 Month
Min Deposit$1,000
DetailsMinimum balance to open all CDs is $1,000; A penalty may be imposed for early withdrawal
Last Updated10/26/2026
Rate History
No change since Oct 7, 2026 · 3.88% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
36 Month CD - PrimaryPlus Banking
-
3.88%
36 Month
Min Deposit$1,000
DetailsMinimum balance to open all CDs is $1,000; A penalty may be imposed for early withdrawal
Last Updated10/26/2026
Rate History
No change since Oct 7, 2026 · 3.88% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
IRA CD - 24 Month CD
-
3.88%
24 Month
DetailsRetirement Certificates of Deposit (IRA CDs); PrimaryPlus Banking APY
Last Updated10/26/2026
Rate History
1 change since Sep 18, 2026 · 3.00% → 3.88% ▲ 0.88 pts · high 3.88% / low 3.00%
Oct 20, 20263.88%▲ from 3.00%
Sep 18, 20263.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
IRA CD - 36 Month CD
-
3.88%
36 Month
DetailsRetirement Certificates of Deposit (IRA CDs); PrimaryPlus Banking APY
Last Updated10/26/2026
Rate History
1 change since Sep 18, 2026 · 3.00% → 3.88% ▲ 0.88 pts · high 3.88% / low 3.00%
Oct 20, 20263.88%▲ from 3.00%
Sep 18, 20263.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
18 Month CD - Premier5 Banking
-
3.85%
18 Month
Min Deposit$1,000
DetailsMinimum balance to open all CDs is $1,000; A penalty may be imposed for early withdrawal
Last Updated10/26/2026
Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
24 Month CD
-
3.85%
24 Month
Min Deposit$1,000
DetailsMinimum balance to open all CDs is $1,000; A penalty may be imposed for early withdrawal
Last Updated10/26/2026
Rate History
1 change since Sep 18, 2026 · 3.00% → 3.85% ▲ 0.85 pts · high 3.85% / low 3.00%
Oct 7, 20263.85%▲ from 3.00%
Sep 18, 20263.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
36 Month CD
-
3.85%
36 Month
Min Deposit$1,000
DetailsMinimum balance to open all CDs is $1,000; A penalty may be imposed for early withdrawal
Last Updated10/26/2026
Rate History
1 change since Sep 18, 2026 · 3.00% → 3.85% ▲ 0.85 pts · high 3.85% / low 3.00%
Oct 7, 20263.85%▲ from 3.00%
Sep 18, 20263.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
9 Month CD - Premier5 Banking
-
3.85%
9 Month
Min Deposit$1,000
DetailsMinimum balance to open all CDs is $1,000; A penalty may be imposed for early withdrawal
Last Updated10/26/2026
Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
IRA CD - 18 Month CD
-
3.85%
18 Month
DetailsRetirement Certificates of Deposit (IRA CDs); Premier5 Banking APY
Last Updated10/26/2026
Rate History
1 change since Sep 18, 2026 · 3.00% → 3.85% ▲ 0.85 pts · high 3.85% / low 3.00%
Oct 20, 20263.85%▲ from 3.00%
Sep 18, 20263.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
IRA CD - 24 Month CD
-
3.85%
24 Month
DetailsRetirement Certificates of Deposit (IRA CDs); Standard APY
Last Updated10/26/2026
Rate History
1 change since Sep 18, 2026 · 3.00% → 3.85% ▲ 0.85 pts · high 3.85% / low 3.00%
Oct 20, 20263.85%▲ from 3.00%
Sep 18, 20263.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
IRA CD - 36 Month CD
-
3.85%
36 Month
DetailsRetirement Certificates of Deposit (IRA CDs); Standard APY
Last Updated10/26/2026
Rate History
1 change since Sep 18, 2026 · 3.00% → 3.85% ▲ 0.85 pts · high 3.85% / low 3.00%
Oct 20, 20263.85%▲ from 3.00%
Sep 18, 20263.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
IRA CD - 9 Month CD
-
3.85%
9 Month
DetailsRetirement Certificates of Deposit (IRA CDs); Premier5 Banking APY
Last Updated10/26/2026
Rate History
1 change since Sep 18, 2026 · 3.20% → 3.85% ▲ 0.65 pts · high 3.85% / low 3.20%
Oct 20, 20263.85%▲ from 3.20%
Sep 18, 20263.20%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
Non-Profit Certificates of Deposit (CDs) - 18 Month CD
-
3.85%
18 months
Min Deposit$1,000
DetailsAvailable exclusively to organizations with documented 501c status; early withdrawal penalty may apply
Last Updated10/26/2026
Rate History
No change since Oct 20, 2026 · 3.85% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
Non-Profit Certificates of Deposit (CDs) - 9 Month CD
-
3.85%
9 months
Min Deposit$1,000
DetailsAvailable exclusively to organizations with documented 501c status; early withdrawal penalty may apply
Last Updated10/26/2026
Rate History
No change since Oct 20, 2026 · 3.85% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
18 Month CD - PrimaryPlus Banking
-
3.83%
18 Month
Min Deposit$1,000
DetailsMinimum balance to open all CDs is $1,000; A penalty may be imposed for early withdrawal
Last Updated10/26/2026
Rate History
No change since Oct 7, 2026 · 3.83% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
9 Month CD - PrimaryPlus Banking
-
3.83%
9 Month
Min Deposit$1,000
DetailsMinimum balance to open all CDs is $1,000; A penalty may be imposed for early withdrawal
Last Updated10/26/2026
Rate History
No change since Oct 7, 2026 · 3.83% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
IRA CD - 18 Month CD
-
3.83%
18 Month
DetailsRetirement Certificates of Deposit (IRA CDs); PrimaryPlus Banking APY
Last Updated10/26/2026
Rate History
1 change since Sep 18, 2026 · 3.00% → 3.83% ▲ 0.83 pts · high 3.83% / low 3.00%
Oct 20, 20263.83%▲ from 3.00%
Sep 18, 20263.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
IRA CD - 9 Month CD
-
3.83%
9 Month
DetailsRetirement Certificates of Deposit (IRA CDs); PrimaryPlus Banking APY
Last Updated10/26/2026
Rate History
1 change since Sep 18, 2026 · 3.20% → 3.83% ▲ 0.63 pts · high 3.83% / low 3.20%
Oct 20, 20263.83%▲ from 3.20%
Sep 18, 20263.20%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
18 Month CD
-
3.80%
18 Month
Min Deposit$1,000
DetailsMinimum balance to open all CDs is $1,000; A penalty may be imposed for early withdrawal
Last Updated10/26/2026
Rate History
1 change since Sep 18, 2026 · 3.00% → 3.80% ▲ 0.80 pts · high 3.80% / low 3.00%
Oct 7, 20263.80%▲ from 3.00%
Sep 18, 20263.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
9 Month CD
-
3.80%
9 Month
Min Deposit$1,000
DetailsMinimum balance to open all CDs is $1,000; A penalty may be imposed for early withdrawal
Last Updated10/26/2026
Rate History
1 change since Sep 18, 2026 · 3.20% → 3.80% ▲ 0.60 pts · high 3.80% / low 3.20%
Oct 7, 20263.80%▲ from 3.20%
Sep 18, 20263.20%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
IRA CD - 18 Month CD
-
3.80%
18 Month
DetailsRetirement Certificates of Deposit (IRA CDs); Standard APY
Last Updated10/26/2026
Rate History
1 change since Sep 18, 2026 · 3.00% → 3.80% ▲ 0.80 pts · high 3.80% / low 3.00%
Oct 20, 20263.80%▲ from 3.00%
Sep 18, 20263.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
IRA CD - 9 Month CD
-
3.80%
9 Month
DetailsRetirement Certificates of Deposit (IRA CDs); Standard APY
Last Updated10/26/2026
Rate History
1 change since Sep 18, 2026 · 3.20% → 3.80% ▲ 0.60 pts · high 3.80% / low 3.20%
Oct 20, 20263.80%▲ from 3.20%
Sep 18, 20263.20%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
6 Month CD - Premier5 Banking
-
3.70%
6 Month
Min Deposit$1,000
DetailsMinimum balance to open all CDs is $1,000; A penalty may be imposed for early withdrawal
Last Updated10/26/2026
Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
IRA CD - 6 Month CD
-
3.70%
6 Month
DetailsRetirement Certificates of Deposit (IRA CDs); Premier5 Banking APY
Last Updated10/26/2026
Rate History
1 change since Sep 18, 2026 · 3.20% → 3.70% ▲ 0.50 pts · high 3.70% / low 3.20%
Oct 20, 20263.70%▲ from 3.20%
Sep 18, 20263.20%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
Non-Profit Certificates of Deposit (CDs) - 6 Month CD
-
3.70%
6 months
Min Deposit$1,000
DetailsAvailable exclusively to organizations with documented 501c status; early withdrawal penalty may apply
Last Updated10/26/2026
Rate History
No change since Oct 20, 2026 · 3.70% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
6 Month CD - PrimaryPlus Banking
-
3.68%
6 Month
Min Deposit$1,000
DetailsMinimum balance to open all CDs is $1,000; A penalty may be imposed for early withdrawal
Last Updated10/26/2026
Rate History
No change since Oct 7, 2026 · 3.68% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
IRA CD - 6 Month CD
-
3.68%
6 Month
DetailsRetirement Certificates of Deposit (IRA CDs); PrimaryPlus Banking APY
Last Updated10/26/2026
Rate History
1 change since Sep 18, 2026 · 3.20% → 3.68% ▲ 0.48 pts · high 3.68% / low 3.20%
Oct 20, 20263.68%▲ from 3.20%
Sep 18, 20263.20%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
6 Month CD
-
3.65%
6 Month
Min Deposit$1,000
DetailsMinimum balance to open all CDs is $1,000; A penalty may be imposed for early withdrawal
Last Updated10/26/2026
Rate History
1 change since Sep 18, 2026 · 3.20% → 3.65% ▲ 0.45 pts · high 3.65% / low 3.20%
Oct 7, 20263.65%▲ from 3.20%
Sep 18, 20263.20%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
IRA CD - 6 Month CD
-
3.65%
6 Month
DetailsRetirement Certificates of Deposit (IRA CDs); Standard APY
Last Updated10/26/2026
Rate History
1 change since Sep 18, 2026 · 3.20% → 3.65% ▲ 0.45 pts · high 3.65% / low 3.20%
Oct 20, 20263.65%▲ from 3.20%
Sep 18, 20263.20%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
48 Month CD - Premier5 Banking
-
3.60%
48 Month
Min Deposit$1,000
DetailsMinimum balance to open all CDs is $1,000; A penalty may be imposed for early withdrawal
Last Updated10/26/2026
Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
60 Month CD - Premier5 Banking
-
3.60%
60 Month
Min Deposit$1,000
DetailsMinimum balance to open all CDs is $1,000; A penalty may be imposed for early withdrawal
Last Updated10/26/2026
Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
IRA CD - 48 Month CD
-
3.60%
48 Month
DetailsRetirement Certificates of Deposit (IRA CDs); Premier5 Banking APY
Last Updated10/26/2026
Rate History
1 change since Sep 18, 2026 · 2.75% → 3.60% ▲ 0.85 pts · high 3.60% / low 2.75%
Oct 20, 20263.60%▲ from 2.75%
Sep 18, 20262.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
IRA CD - 60 Month CD
-
3.60%
60 Month
DetailsRetirement Certificates of Deposit (IRA CDs); Premier5 Banking APY
Last Updated10/26/2026
Rate History
1 change since Sep 18, 2026 · 2.75% → 3.60% ▲ 0.85 pts · high 3.60% / low 2.75%
Oct 20, 20263.60%▲ from 2.75%
Sep 18, 20262.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
Non-Profit Certificates of Deposit (CDs) - 48 Month CD
-
3.60%
48 months
Min Deposit$1,000
DetailsAvailable exclusively to organizations with documented 501c status; early withdrawal penalty may apply
Last Updated10/26/2026
Rate History
No change since Oct 20, 2026 · 3.60% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
Non-Profit Certificates of Deposit (CDs) - 60 Month CD
-
3.60%
60 months
Min Deposit$1,000
DetailsAvailable exclusively to organizations with documented 501c status; early withdrawal penalty may apply
Last Updated10/26/2026
Rate History
No change since Oct 20, 2026 · 3.60% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
48 Month CD - PrimaryPlus Banking
-
3.58%
48 Month
Min Deposit$1,000
DetailsMinimum balance to open all CDs is $1,000; A penalty may be imposed for early withdrawal
Last Updated10/26/2026
Rate History
No change since Oct 7, 2026 · 3.58% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
60 Month CD - PrimaryPlus Banking
-
3.58%
60 Month
Min Deposit$1,000
DetailsMinimum balance to open all CDs is $1,000; A penalty may be imposed for early withdrawal
Last Updated10/26/2026
Rate History
No change since Oct 7, 2026 · 3.58% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
IRA CD - 48 Month CD
-
3.58%
48 Month
DetailsRetirement Certificates of Deposit (IRA CDs); PrimaryPlus Banking APY
Last Updated10/26/2026
Rate History
1 change since Sep 18, 2026 · 2.75% → 3.58% ▲ 0.83 pts · high 3.58% / low 2.75%
Oct 20, 20263.58%▲ from 2.75%
Sep 18, 20262.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
IRA CD - 60 Month CD
-
3.58%
60 Month
DetailsRetirement Certificates of Deposit (IRA CDs); PrimaryPlus Banking APY
Last Updated10/26/2026
Rate History
1 change since Sep 18, 2026 · 2.75% → 3.58% ▲ 0.83 pts · high 3.58% / low 2.75%
Oct 20, 20263.58%▲ from 2.75%
Sep 18, 20262.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
48 Month CD
-
3.55%
48 Month
Min Deposit$1,000
DetailsMinimum balance to open all CDs is $1,000; A penalty may be imposed for early withdrawal
Last Updated10/26/2026
Rate History
1 change since Sep 18, 2026 · 2.75% → 3.55% ▲ 0.80 pts · high 3.55% / low 2.75%
Oct 7, 20263.55%▲ from 2.75%
Sep 18, 20262.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
60 Month CD
-
3.55%
60 Month
Min Deposit$1,000
DetailsMinimum balance to open all CDs is $1,000; A penalty may be imposed for early withdrawal
Last Updated10/26/2026
Rate History
1 change since Sep 18, 2026 · 2.75% → 3.55% ▲ 0.80 pts · high 3.55% / low 2.75%
Oct 7, 20263.55%▲ from 2.75%
Sep 18, 20262.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
91 Day CD - Premier5 Banking
-
3.55%
91 Day
Min Deposit$1,000
DetailsMinimum balance to open all CDs is $1,000; A penalty may be imposed for early withdrawal
Last Updated10/26/2026
Rate History
No change since Oct 7, 2026 · 3.55% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
IRA CD - 48 Month CD
-
3.55%
48 Month
DetailsRetirement Certificates of Deposit (IRA CDs); Standard APY
Last Updated10/26/2026
Rate History
1 change since Sep 18, 2026 · 2.75% → 3.55% ▲ 0.80 pts · high 3.55% / low 2.75%
Oct 20, 20263.55%▲ from 2.75%
Sep 18, 20262.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
IRA CD - 60 Month CD
-
3.55%
60 Month
DetailsRetirement Certificates of Deposit (IRA CDs); Standard APY
Last Updated10/26/2026
Rate History
1 change since Sep 18, 2026 · 2.75% → 3.55% ▲ 0.80 pts · high 3.55% / low 2.75%
Oct 20, 20263.55%▲ from 2.75%
Sep 18, 20262.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
IRA CD - 91 Day CD
-
3.55%
91 Day
DetailsRetirement Certificates of Deposit (IRA CDs); Premier5 Banking APY
Last Updated10/26/2026
Rate History
1 change since Sep 18, 2026 · 3.25% → 3.55% ▲ 0.30 pts · high 3.55% / low 3.25%
Oct 20, 20263.55%▲ from 3.25%
Sep 18, 20263.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
Non-Profit Certificates of Deposit (CDs) - 91 Day CD
-
3.55%
91 days
Min Deposit$1,000
DetailsAvailable exclusively to organizations with documented 501c status; one penalty-free withdrawal per term for 91 day CD (after seven days from account opening); early withdrawal penalty may apply
Last Updated10/26/2026
Rate History
No change since Oct 20, 2026 · 3.55% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
91 Day CD - PrimaryPlus Banking
-
3.53%
91 Day
Min Deposit$1,000
DetailsMinimum balance to open all CDs is $1,000; A penalty may be imposed for early withdrawal
Last Updated10/26/2026
Rate History
No change since Oct 7, 2026 · 3.53% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
IRA CD - 91 Day CD
-
3.53%
91 Day
DetailsRetirement Certificates of Deposit (IRA CDs); PrimaryPlus Banking APY
Last Updated10/26/2026
Rate History
1 change since Sep 18, 2026 · 3.25% → 3.53% ▲ 0.28 pts · high 3.53% / low 3.25%
Oct 20, 20263.53%▲ from 3.25%
Sep 18, 20263.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
91 Day CD
-
3.50%
91 Day
Min Deposit$1,000
DetailsMinimum balance to open all CDs is $1,000; A penalty may be imposed for early withdrawal
Last Updated10/26/2026
Rate History
1 change since Sep 18, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
Oct 7, 20263.50%▲ from 3.25%
Sep 18, 20263.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
IRA CD - 91 Day CD
-
3.50%
91 Day
DetailsRetirement Certificates of Deposit (IRA CDs); Standard APY
Last Updated10/26/2026
Rate History
1 change since Sep 18, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
Oct 20, 20263.50%▲ from 3.25%
Sep 18, 20263.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
Cape Cod Five Cents Savings Bank Business CD Rates
Product
Rate
APY
Term
View More
Business Certificates of Deposit - 12 Month CD
-
3.95%
12 Month
Min Deposit$1,000
DetailsMinimum balance to open all CDs is $1,000
Last Updated10/26/2026
Rate History
No change since Oct 14, 2026 · 3.95% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
Business Certificates of Deposit - 24 Month CD
-
3.85%
24 Month
Min Deposit$1,000
DetailsMinimum balance to open all CDs is $1,000
Last Updated10/26/2026
Rate History
No change since Oct 14, 2026 · 3.85% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
Business Certificates of Deposit - 36 Month CD
-
3.85%
36 Month
Min Deposit$1,000
DetailsMinimum balance to open all CDs is $1,000
Last Updated10/26/2026
Rate History
No change since Oct 14, 2026 · 3.85% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
Business Certificates of Deposit - 18 Month CD
-
3.80%
18 Month
Min Deposit$1,000
DetailsMinimum balance to open all CDs is $1,000
Last Updated10/26/2026
Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
Business Certificates of Deposit - 9 Month CD
-
3.80%
9 Month
Min Deposit$1,000
DetailsMinimum balance to open all CDs is $1,000
Last Updated10/26/2026
Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
Business Certificates of Deposit - 6 Month CD
-
3.65%
6 Month
Min Deposit$1,000
DetailsMinimum balance to open all CDs is $1,000
Last Updated10/26/2026
Rate History
No change since Oct 14, 2026 · 3.65% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
Business Certificates of Deposit - 48 Month CD
-
3.55%
48 Month
Min Deposit$1,000
DetailsMinimum balance to open all CDs is $1,000
Last Updated10/26/2026
Rate History
No change since Oct 14, 2026 · 3.55% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
Business Certificates of Deposit - 60 Month CD
-
3.55%
60 Month
Min Deposit$1,000
DetailsMinimum balance to open all CDs is $1,000
Last Updated10/26/2026
Rate History
No change since Oct 14, 2026 · 3.55% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
Business Certificates of Deposit - 91 Day CD
-
3.50%
91 Day
Min Deposit$1,000
DetailsMinimum balance to open all CDs is $1,000; one penalty-free withdrawal per term for 91 day CD (after seven days from account opening)
Last Updated10/26/2026
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
Cape Cod Five Cents Savings Bank Savings Rates
Product
Rate
APY
View More
SaveUp Companion Savings
-
5.00%
Min Deposit$0
Min Balance$0
DetailsBalance: $.01-$9,999.99; Qualifying balance up to $9,999.99; Requires linked checking account with debit card enrolled in SaveUp program; permits only SaveUp deposits; Minimum daily balance to avoid monthly maintenance fees: $0
Last Updated10/26/2026
Rate History
No change since Sep 18, 2026 · 5.00% APY · checked 10 times
No change since Oct 20, 2026 · 0.02% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
Personal Savings
-
0.02%
Min Deposit$10
Min Balance$10
DetailsMinimum daily balance to avoid monthly maintenance fees: $10
Last Updated10/26/2026
Rate History
No change since Sep 18, 2026 · 0.02% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
Retirement Savings
-
0.02%
Min Deposit$10
Min Balance$10
DetailsRetirement Savings Accounts (IRAs); Minimum Balance to Open: $10; Minimum Daily Balance to Earn APY: $10
Last Updated10/26/2026
Rate History
No change since Sep 18, 2026 · 0.02% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
SaveUp Companion Savings
-
0.02%
Min Balance$10,000
DetailsBalance: $10,000 and over; SaveUp Tiered Rate as of 6/24/26; account must be linked to a checking account with a debit card enrolled in the SaveUp program; permits only SaveUp deposits
Last Updated10/26/2026
Rate History
No change since Sep 18, 2026 · 0.02% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
Cape Cod Five Cents Savings Bank Business Savings Rates
Product
Rate
APY
View More
Business Savings
-
0.02%
Min Deposit$25
Min Balance$10
DetailsMinimum Daily Balance to Avoid Monthly Maintenance: $300
Last Updated10/26/2026
Rate History
No change since Sep 18, 2026 · 0.02% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
Cape Cod Five Cents Savings Bank Money Market Rates
No change since Sep 15, 2026 · 6.88% APR · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
Home Equity Line of Credit
-
-
7.25%
10 year
DetailsTerm: 10 year draw period, 20 year repayment; Home Equity Lines and Loans; Loan amount: $10,000 - $400,000; Apply Online; Payments vary based on outstanding balance
Last Updated10/26/2026
Rate History
1 change since Sep 15, 2026 · 7.00% → 7.25% ▲ 0.25 pts · high 7.25% / low 7.00%
Sep 18, 20267.25%▲ from 7.00%
Sep 15, 20267.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
Cape Cod Five Cents Savings Bank Personal Loan Rates
No change since Sep 15, 2026 · 10.00% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
Storm Preparedness Loan
-
-
9.75%
Up to 7 Years
DetailsHome Equity Lines and Loans; Loan amount: $5,000 - $15,000; Apply in person at a Cape Cod 5 Banking Center
Last Updated10/26/2026
Rate History
No change since Sep 15, 2026 · 9.75% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
Premier5 Banking
-
-
0.02%
Min Deposit$25
Min Balance$0
DetailsMinimum daily balance to earn APY: $0; Avoid monthly maintenance fee: Maintain an average daily balance of $1,000 or more AND have combined deposit balances of $50,000 or more OR maintain a Cape Cod 5 Trust & Asset Management client relationship
Last Updated10/26/2026
Rate History
No change since Sep 18, 2026 · 0.02% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
PrimaryPlus Banking
-
-
0.02%
Min Deposit$25
Min Balance$0
DetailsMinimum daily balance to earn APY: $0; Avoid monthly maintenance fee: Maintain an average daily balance of $1,000 or more AND have combined deposit and loan balances of $15,000 or more OR maintain a Cape Cod 5 Investment Services client relationship
Last Updated10/26/2026
Rate History
No change since Sep 18, 2026 · 0.02% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.37%
Financial Health History
Cape Cod Five Cents Savings Bank’s Texas Ratio rose from 1.90% in Q3 2023 to 3.37% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$5.6B
3.37%
5.0
A+
March 31, 2026
$5.5B
3.33%
5.0
A+
December 31, 2025
$5.6B
3.13%
5.0
A+
September 30, 2025
$5.7B
2.95%
5.0
A+
June 30, 2025
$5.6B
3.09%
5.0
A+
March 31, 2025
$5.6B
2.56%
5.0
A+
December 31, 2024
$5.7B
2.55%
5.0
A+
September 30, 2024
$5.8B
2.80%
5.0
A+
June 30, 2024
$5.8B
2.15%
5.0
A+
March 31, 2024
$5.6B
2.37%
5.0
A+
December 31, 2023
$5.5B
2.28%
5.0
A+
September 30, 2023
$5.5B
1.90%
5.0
A+
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating:
Our rating for Cape Cod Five Cents 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 Cod Five Cents 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 Cod Five Cents Savings Bank's official website for the most current offers and terms.
Address
1500 Iyannough Rd,
Hyannis, MA 02601 · Barnstable
Bank Holding CompanyMUTUAL BCORP
FDIC Certificate #23287
RegulatorFDIC
EstablishedMarch 16, 1855
FDIC Insurance DateJanuary 2, 1981
Domestic Offices23
Total Branches23
FDIC Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.37%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
0.7381%
Return on Equity (ROE)
7.0000%
Non-Performing Loans Ratio (NPL)
0.36%
Total Assets
$5,619,396,000
Total Deposits
$4,563,770,000
Equity Capital
$595,916,000
Net Income
$20,519,000
Headquarters
Hyannis
Total Branches and Offices
23
Source: FDIC — Last Updated June 30, 2026
2026 MBR Health & Safety Badge
Cape Cod Five Cents Savings Bank earned the Verified Healthy badge
Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Cape Cod Five Cents Savings Bank
Frequently Asked Questions About Cape Cod Five Cents Savings Bank
Does Cape Cod Five Cents Savings Bank offer CDs?
Yes. Cape Cod Five Cents Savings Bank offers certificates of deposit (CDs) with fixed interest rates across multiple term lengths. CD rates verified by MonitorBankRates as of October 26, 2026 include 4.00% APY on its 12-Month CD - Premier5 Banking, 4.00% APY on its IRA CD - 12-Month CD and 4.00% APY on its Non-Profit Certificates of Deposit (CDs) - 12-Month CD.
Are CDs from Cape Cod Five Cents Savings Bank FDIC insured?
Yes. Cape Cod Five Cents Savings Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at Cape Cod Five Cents Savings Bank?
The highest CD rate MonitorBankRates has verified for Cape Cod Five Cents Savings Bank is 4.00% APY on its 12-Month CD - Premier5 Banking, as of October 26, 2026.
What CD terms does Cape Cod Five Cents Savings Bank offer?
The Cape Cod Five Cents Savings Bank CD terms MonitorBankRates tracks include 12 month, 18 month, 2 year, 3 year, 4 year and 5 year terms, with rates from 3.95% to 4.00% APY. The institution may offer other terms or specials that are not listed here, so check with Cape Cod Five Cents Savings Bank for its full lineup.
What is the highest savings rate at Cape Cod Five Cents Savings Bank?
The highest savings rate MonitorBankRates has verified for Cape Cod Five Cents Savings Bank is 5.00% APY on its SaveUp Companion Savings, as of October 26, 2026.
What is the highest money market rate at Cape Cod Five Cents Savings Bank?
The highest money market rate MonitorBankRates has verified for Cape Cod Five Cents Savings Bank is 1.45% APY on its Premier5 Money Market, as of October 26, 2026.
What is the lowest home equity rate at Cape Cod Five Cents Savings Bank?
The lowest home equity rate MonitorBankRates has verified for Cape Cod Five Cents Savings Bank is 6.875% APR on its Home Equity Solar Loan, as of October 26, 2026.
What is the lowest personal loan rate at Cape Cod Five Cents Savings Bank?
The lowest personal loan rate MonitorBankRates has verified for Cape Cod Five Cents Savings Bank is 9.50% APR on its Unsecured Solar Loan, as of October 26, 2026.
How many branches does Cape Cod Five Cents Savings Bank operate?
Cape Cod Five Cents Savings Bank currently maintains approximately 23 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 Cod Five Cents 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 Cod Five Cents Savings Bank provides members with tools to manage their accounts and build a solid financial history.
Does Cape Cod Five Cents Savings Bank offer online and mobile banking?
Most modern institutions like Cape Cod Five Cents 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.capecodfive.com.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do Cape Cod Five Cents Savings Bank rates compare?
Cape Cod Five Cents Savings Bank's top rates are 4.00% APY on its 12-Month CD - Premier5 Banking, 5.00% APY on its SaveUp Companion Savings, 1.45% APY on its Premier5 Money Market and 6.875% APR on its Home Equity Solar Loan, verified by MonitorBankRates on October 26, 2026.
Current Cape Cod Five Cents Savings Bank Rates
12-Month CD3.95%
18-Month CD3.80%
24-Month CD3.85%
36-Month CD3.85%
48-Month CD3.55%
60-Month CD3.55%
Savings5.00%
MMA1.45%
Retrieved from our database of financial products. Rates subject to change.