Bank · FDIC insured
Cape Ann Savings Bank CD Rates
Cape Ann Savings Bank’s best CD rate is 4.18% APY on an 18-month CD. Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How Cape Ann Savings Bank’s CD rates compare
Compared with banks and credit unions near Boston, MA-NH, where Cape Ann Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
Cape Ann Savings Bank
4.18%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $634
Certificates of Deposit
Top rate
RiverWorks Credit Union
4.80%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $237
2nd-highest rate
Arise Financial
4.75%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,494
Cape Ann Savings Bank CD score
87
CD score
Higher than 79% of U.S. banks and credit unions
- 3–8 months3–8 mo3.56%
- 9–15 months9–15 mo4.10%
- 16–30 months16–30 mo4.18%
- 31–60 months31–60 mo1.00%
- QualifiedQualified4.18%
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 Ann Savings 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 4.18%APY · 10 terms
| Term | APY · $500 and up | APY · $500 – $5,000,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsTo open account and earn APY. Early withdrawal penalty may apply | 3.56% | — | 3.56% | $176 |
| 9 monthsTo open account and earn APY. Early withdrawal penalty may apply | 2.78% | — | 2.78% | $208 |
| 12 monthsTo open account and earn APY. Early withdrawal penalty may apply | 2.78% | — | 2.78% | $278 |
| 13 monthsSpecial offer. Aggregate maximum total deposit balance limit of $5,000,000.00 per primary tax owner for these products. To open account and earn APY. Early withdrawal penalty may apply | — | 4.10% | 4.10% | $445 |
| 18 monthsAggregate maximum total deposit balance limit of $5,000,000.00 per primary tax owner for these products. To open account and earn APY. Early withdrawal penalty may apply | — | 4.18% | 4.18% | $634 |
| 24 monthsTo open account and earn APY. Early withdrawal penalty may apply | 0.75% | — | 0.75% | $151 |
| 30 monthsTo open account and earn APY. Early withdrawal penalty may apply | 0.75% | — | 0.75% | $189 |
| 36 monthsTo open account and earn APY. Early withdrawal penalty may apply | 0.75% | — | 0.75% | $227 |
| 48 monthsTo open account and earn APY. Early withdrawal penalty may apply | 0.75% | — | 0.75% | $303 |
| 60 monthsTo open account and earn APY. Early withdrawal penalty may apply | 1.00% | — | 1.00% | $510 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Individual Retirement Account (IRA) Certificate of Deposit
Up to 4.18%APY · 10 terms
| Term | APY · $500 and up | APY · $500 – $5,000,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsTo open account and earn APY. Early withdrawal penalty may apply | 3.56% | — | 3.56% | $176 |
| 9 monthsTo open account and earn APY. Early withdrawal penalty may apply | 2.78% | — | 2.78% | $208 |
| 12 monthsTo open account and earn APY. Early withdrawal penalty may apply | 2.78% | — | 2.78% | $278 |
| 13 monthsSpecial offer. Aggregate maximum total deposit balance limit of $5,000,000.00 per primary tax owner for these products. To open account and earn APY. Early withdrawal penalty may apply | — | 4.10% | 4.10% | $445 |
| 18 monthsAggregate maximum total deposit balance limit of $5,000,000.00 per primary tax owner for these products. To open account and earn APY. Early withdrawal penalty may apply | — | 4.18% | 4.18% | $634 |
| 24 monthsTo open account and earn APY. Early withdrawal penalty may apply | 0.75% | — | 0.75% | $151 |
| 30 monthsTo open account and earn APY. Early withdrawal penalty may apply | 0.75% | — | 0.75% | $189 |
| 36 monthsTo open account and earn APY. Early withdrawal penalty may apply | 0.75% | — | 0.75% | $227 |
| 48 monthsTo open account and earn APY. Early withdrawal penalty may apply | 0.75% | — | 0.75% | $303 |
| 60 monthsTo open account and earn APY. Early withdrawal penalty may apply | 1.00% | — | 1.00% | $510 |
Sources (2)
All captured Oct 5, 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.