Bank · FDIC insured
Cape Cod 5 CD Rates
Top CarrotCape Cod 5’s best CD rate is 4.00% APY on a 1-year CD, with extra requirements. Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Cape Cod 5’s CD rates compare
Compared with banks and credit unions near Barnstable Town, MA, where Cape Cod 5 has the most branches. $10,000, best rate first.
This bank’s best
Cape Cod 5
4.00%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $400
Certificates of Deposit (CDs)
Top rate
Leader Bank
4.35%APY
- Term
- 15 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $547
2nd-highest rate
Eastern Bank
4.30%APY
- Term
- 18 months
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000
- $652
Cape Cod 5 CD score
86
CD score
Higher than 74% of U.S. banks and credit unions
- 3–8 months3–8 mo3.65%
- 9–15 months9–15 mo3.95%
- 16–30 months16–30 mo3.85%
- 31–60 months31–60 mo3.85%
- QualifiedQualified4.00%
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 Cod 5 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 (CDs)
Up to 4.00%APY · 9 terms
Available to new and existing customers. Minimum balance to open all CDs is $1,000. A penalty may be imposed for early withdrawal. 91 Day CD includes one penalty-free withdrawal per term after seven days from account opening.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsAvailable exclusively to Premier5 relationship customers. There is one penalty-free withdrawal per term for any 91 day CD (after seven days from account opening) | 3.55% | $88 |
| 3 monthsAvailable exclusively to PrimaryPlus relationship customers. There is one penalty-free withdrawal per term for any 91 day CD (after seven days from account opening) | 3.53% | $88 |
| 3 monthsStandard rate. There is one penalty-free withdrawal per term for any 91 day CD (after seven days from account opening) | 3.50% | $87 |
| 6 monthsAvailable exclusively to Premier5 relationship customers | 3.70% | $183 |
| 6 monthsAvailable exclusively to PrimaryPlus relationship customers | 3.68% | $182 |
| 6 monthsStandard rate | 3.65% | $181 |
| 9 monthsAvailable exclusively to Premier5 relationship customers | 3.85% | $287 |
| 9 monthsAvailable exclusively to PrimaryPlus relationship customers | 3.83% | $286 |
| 9 monthsStandard rate | 3.80% | $284 |
| 12 monthsAvailable exclusively to Premier5 relationship customers | 4.00% | $400 |
| 12 monthsAvailable exclusively to PrimaryPlus relationship customers | 3.98% | $398 |
| 12 monthsStandard rate | 3.95% | $395 |
| 18 monthsAvailable exclusively to Premier5 relationship customers | 3.85% | $583 |
| 18 monthsAvailable exclusively to PrimaryPlus relationship customers | 3.83% | $580 |
| 18 monthsStandard rate | 3.80% | $575 |
| 24 monthsAvailable exclusively to Premier5 relationship customers | 3.90% | $795 |
| 24 monthsAvailable exclusively to PrimaryPlus relationship customers | 3.88% | $791 |
| 24 monthsStandard rate | 3.85% | $785 |
| 36 monthsAvailable exclusively to Premier5 relationship customers | 3.90% | $1,216 |
| 36 monthsAvailable exclusively to PrimaryPlus relationship customers | 3.88% | $1,210 |
| 36 monthsStandard rate | 3.85% | $1,200 |
| 48 monthsAvailable exclusively to Premier5 relationship customers | 3.60% | $1,520 |
| 48 monthsAvailable exclusively to PrimaryPlus relationship customers | 3.58% | $1,511 |
| 48 monthsStandard rate | 3.55% | $1,497 |
| 60 monthsAvailable exclusively to Premier5 relationship customers | 3.60% | $1,934 |
| 60 monthsAvailable exclusively to PrimaryPlus relationship customers | 3.58% | $1,923 |
| 60 monthsStandard rate | 3.55% | $1,906 |
Sources (1)
- capecodfive.com/personal/deposit-rates · captured Oct 15, 2026
Special-purpose accounts
Retirement Certificates of Deposit (IRA CDs)
Up to 4.00%APY · 9 terms
Minimum balance to open IRAs is $1,000 unless otherwise noted. Penalty may be imposed for early withdrawal. 91 Day CD includes one penalty-free withdrawal per term after seven days from account opening, with minimum opening deposit of $500 (or $25 when electronic deposits are established).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsAvailable exclusively to Premier5 relationship customers. Minimum balance to open 91 Day CD is $500. Account may be opened with $25 when electronic deposits are established. There is one penalty-free withdrawal per term for any 91 Day CD (after seven days from account opening) | 3.55% | $88 |
| 3 monthsAvailable exclusively to PrimaryPlus relationship customers. Minimum balance to open 91 Day CD is $500. Account may be opened with $25 when electronic deposits are established. There is one penalty-free withdrawal per term for any 91 Day CD (after seven days from account opening) | 3.53% | $88 |
| 3 monthsStandard rate. Minimum balance to open 91 Day CD is $500. Account may be opened with $25 when electronic deposits are established. There is one penalty-free withdrawal per term for any 91 Day CD (after seven days from account opening) | 3.50% | $87 |
| 6 monthsAvailable exclusively to Premier5 relationship customers | 3.70% | $183 |
| 6 monthsAvailable exclusively to PrimaryPlus relationship customers | 3.68% | $182 |
| 6 monthsStandard rate | 3.65% | $181 |
| 9 monthsAvailable exclusively to Premier5 relationship customers | 3.85% | $287 |
| 9 monthsAvailable exclusively to PrimaryPlus relationship customers | 3.83% | $286 |
| 9 monthsStandard rate | 3.80% | $284 |
| 12 monthsAvailable exclusively to Premier5 relationship customers | 4.00% | $400 |
| 12 monthsAvailable exclusively to PrimaryPlus relationship customers | 3.98% | $398 |
| 12 monthsStandard rate | 3.95% | $395 |
| 18 monthsAvailable exclusively to Premier5 relationship customers | 3.85% | $583 |
| 18 monthsAvailable exclusively to PrimaryPlus relationship customers | 3.83% | $580 |
| 18 monthsStandard rate | 3.80% | $575 |
| 24 monthsAvailable exclusively to Premier5 relationship customers | 3.90% | $795 |
| 24 monthsAvailable exclusively to PrimaryPlus relationship customers | 3.88% | $791 |
| 24 monthsStandard rate | 3.85% | $785 |
| 36 monthsAvailable exclusively to Premier5 relationship customers | 3.90% | $1,216 |
| 36 monthsAvailable exclusively to PrimaryPlus relationship customers | 3.88% | $1,210 |
| 36 monthsStandard rate | 3.85% | $1,200 |
| 48 monthsAvailable exclusively to Premier5 relationship customers | 3.60% | $1,520 |
| 48 monthsAvailable exclusively to PrimaryPlus relationship customers | 3.58% | $1,511 |
| 48 monthsStandard rate | 3.55% | $1,497 |
| 60 monthsAvailable exclusively to Premier5 relationship customers | 3.60% | $1,934 |
| 60 monthsAvailable exclusively to PrimaryPlus relationship customers | 3.58% | $1,923 |
| 60 monthsStandard rate | 3.55% | $1,906 |
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.