Bank · FDIC insured
Cape Ann Savings Bank Savings Rates
Cape Ann Savings Bank’s best savings rate is 0.50% APY on $10,000, with its Statement Savings. Rates checked October 15, 2026.
How Cape Ann Savings Bank’s savings 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
0.50%APY
- Requires
- None
- Minimum
- $10
- Earns on $10,000 a year
- $50
Statement Savings
Top rate
Leader Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $10
- Earns on $10,000 a year
- $500
2nd-highest rate
Albright Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $500
Cape Ann Savings Bank savings score
81
Savings score
Higher than 57% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0001.76%
- QualifiedQualified1.00%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Lighthouse Personal Money Market Account
0.00%APY
Variable rate account. Interest rate may change after the account is opened. Minimum $15,000.00 deposit to open. Any fee(s) assessed could reduce earnings on these accounts.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $15,000Equal to or greater than $0 but less than $15,000.00 minimum daily balance to earn APY. | 0.00% | $0 | Equal to or greater than $0 but less than $15,000.00 minimum daily balance to earn APY. |
| $15,000 – $100,000Equal to or greater than $15,000.00 but less than $100,000.00 minimum daily balance to earn APY. | 1.26% | — | Equal to or greater than $15,000.00 but less than $100,000.00 minimum daily balance to earn APY. |
| $100,000 – $250,000Equal to or greater than $100,000.00 but less than $250,000.00 minimum daily balance to earn APY. | 1.76% | — | Equal to or greater than $100,000.00 but less than $250,000.00 minimum daily balance to earn APY. |
| $250,000 – $1,000,000Equal to or greater than $250,000.00 but less than $1,000,000.00 minimum daily balance to earn APY. | 2.02% | — | Equal to or greater than $250,000.00 but less than $1,000,000.00 minimum daily balance to earn APY. |
| $1,000,000 and upEqual to or greater than $1,000,000.00 minimum daily balance to earn APY. | 2.27% | — | Equal to or greater than $1,000,000.00 minimum daily balance to earn APY. |
Sources (1)
- capeannsavings.bank/personal/deposit-rates · captured Oct 5, 2026
Money Market Account
0.25%APY
Variable rate account. Interest rate may change after the account is opened. Minimum $500.00 deposit to open. Any fee(s) assessed could reduce earnings on these accounts.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10Equal to or greater than $0 but less than $10.00 minimum daily balance to earn APY. | 0.00% | — | Equal to or greater than $0 but less than $10.00 minimum daily balance to earn APY. |
| Up to $500Equal to or greater than $10.00 but less than $500.00 minimum daily balance to earn APY. | 0.25% | — | Equal to or greater than $10.00 but less than $500.00 minimum daily balance to earn APY. |
| $500 – $250,000Equal to or greater than $500.00 but less than $250,000.00 minimum daily balance to earn APY. | 0.25% | $25 | Equal to or greater than $500.00 but less than $250,000.00 minimum daily balance to earn APY. |
| $250,000 – $1,000,000Equal to or greater than $250,000.00 but less than $1,000,000.00 minimum daily balance to earn APY. | 2.02% | — | Equal to or greater than $250,000.00 but less than $1,000,000.00 minimum daily balance to earn APY. |
| $1,000,000 and upEqual to or greater than $1,000,000.00 minimum daily balance to earn APY. | 2.02% | — | Equal to or greater than $1,000,000.00 minimum daily balance to earn APY. |
Sources (1)
- capeannsavings.bank/personal/deposit-rates · captured Oct 5, 2026
Lighthouse Savings
0.50%APY
Not eligible for online account opening. No withdrawal or deposit fees.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $15,000Daily balance below $15,000.00 to earn 0.50% APY. Minimum $15,000.00 deposit to open. | 0.50% | $50 | Daily balance below $15,000.00 to earn 0.50% APY. Minimum $15,000.00 deposit to open. |
| $15,000 and upDaily balance equal to or greater than $15,000.00 to earn 1.51% APY. Minimum $15,000.00 deposit to open. | 1.51% | — | Daily balance equal to or greater than $15,000.00 to earn 1.51% APY. Minimum $15,000.00 deposit to open. |
Sources (2)
All captured Oct 5, 2026
Kasasa Saver®
1.00%APY on $10,000
Must be linked to a Kasasa Cash or Kasasa Cash Back checking account. Not eligible for online account opening. Limit of one Kasasa Cash or Kasasa Cash Back account per Reporting Tax ID Number.
| Part of the balance | Rate on that part |
|---|---|
| Up to $25,000 | 0.99% |
| $25,000 and up | 0.15% |
On $10,000 the tiers blend to about 1.00% APY, earning $100 a year.
Sources (2)
- capeannsavings.bank/personal/savings-accounts
- capeannsavings.bank/personal/s…gs-accounts/kasasa-saver
All captured Oct 5, 2026
Statement Savings
0.50%APY
No withdrawal or deposit fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $10 and up | 0.50% | $50 |
Sources (2)
All captured Oct 5, 2026
Passbook Savings
0.25%APY
Not eligible for online account opening. No withdrawal or deposit fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $10 and up | 0.25% | $25 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Individual Retirement Account (IRA) Savings
0.50%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $10 and up | 0.50% | $50 |
Sources (2)
All captured Oct 5, 2026
Christmas Club Account
0.25%APY
Receive a check in mid-October for holiday shopping or other planned uses. Not eligible for online account opening. No withdrawal or deposit fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.25% | $25 |
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.