Bank · FDIC insured
Cape & Coast Bank CD Rates
Cape & Coast Bank’s best CD rate is 3.70% APY on a 4-month CD. Terms run from 4 months to 2 years. Rates checked October 15, 2026.
How Cape & Coast Bank’s CD rates compare
Compared with banks and credit unions near Barnstable Town, MA, where Cape & Coast Bank has the most branches. $10,000, best rate first.
This bank’s best
Cape & Coast Bank
3.70%APY
- Term
- 4 months
- Minimum
- $500
- Earns on $10,000
- $122
Certificates of Deposit
Top rate
Leader Bank
4.35%APY
- Term
- 15 months
- Minimum
- $1,000
- Earns on $10,000
- $547
2nd-highest rate
Eastern Bank
4.30%APY
- Term
- 18 months
- Minimum
- $2,500
- Earns on $10,000
- $652
Cape & Coast Bank CD score
70
CD score
Higher than 25% of U.S. banks and credit unions
- 3–8 months3–8 mo3.70%
- 9–15 months9–15 mo2.95%
- 16–30 months16–30 mo2.75%
- QualifiedQualified3.70%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Cape & Coast Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 3.70%APY · 6 terms
All CD terms listed are available to business and consumer clients. Cannot be combined with any other offers. Certificates of Deposit are subject to penalty for early withdrawal of principal. Interest is compounded monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 4 months4 Month Special. 4-month and 8-month CDs are not available as an IRA or passbook | 3.70% | $122 |
| 8 months8 Month Special. 4-month and 8-month CDs are not available as an IRA or passbook | 3.50% | $232 |
| 9 months | 1.40% | $105 |
| 12 months | 2.95% | $295 |
| 18 months | 2.75% | $415 |
| 24 months | 2.55% | $517 |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
IRA CD
3.15%APY · 1 term
To open a 12-month IRA CD, client must also have an IRA plan with Cape & Coast Bank. Withdrawals of interest or principal from a 12-month Individual Retirement Account (IRA) CD may be subject to taxes, withholding, and penalties in accordance with income tax rules applicable to IRAs.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months$25 IRA annual fee. Must have an IRA plan with Cape & Coast Bank | 3.15% | $315 |
Sources (2)
All captured Oct 15, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.