Bank · FDIC insured
Cape Cod 5 Savings Rates
Top CarrotCape Cod 5’s best savings rate is 2.75% APY on $10,000, with its High Yield Savings. Rates checked October 15, 2026.
How Cape Cod 5’s savings 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
2.75%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $275
High Yield Savings
Top rate
Leader Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $10
- Earns on $10,000 a year
- $500
3rd-highest rate
Service Credit Union
0.55%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $55
Cape Cod 5 savings score
89
Savings score
Higher than 88% of U.S. banks and credit unions
By balance
- $1,000 balance$1,0000.02%
- $10,000 balance$10,0002.75%
- $100,000 balance$100,0002.75%
- QualifiedQualified2.75%
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 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.
SaveUp Companion Savings
5.00%APY on $10,000
Must be linked to a checking account with a debit card enrolled in the SaveUp program, which rounds up debit card purchases to the nearest dollar and deposits the difference into the SaveUp Companion Savings account. Permits only SaveUp deposits; all other deposit types are restricted.
| Part of the balance | Rate on that part |
|---|---|
| Up to $10,000 | 5.00% |
On $10,000 the tiers blend to about 5.00% APY, earning $500 a year.
Sources (2)
All captured Oct 5, 2026
High Yield Savings
2.75%APY
This account must be opened with a minimum of $5,000 in new funds not already on deposit with Cape Cod 5.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Minimum daily balance of $5,000 to avoid monthly maintenance fees. Must be opened with a minimum of $5,000 in new funds not already on deposit with Cape Cod 5. Rate may change after opening. | 0.02% | — | Minimum daily balance of $5,000 to avoid monthly maintenance fees. Must be opened with a minimum of $5,000 in new funds not already on deposit with Cape Cod 5. Rate may change after opening. |
| $10,000 – $50,000Minimum daily balance of $5,000 to avoid monthly maintenance fees. Must be opened with a minimum of $5,000 in new funds not already on deposit with Cape Cod 5. Rate may change after opening. | 2.75% | $275 | Minimum daily balance of $5,000 to avoid monthly maintenance fees. Must be opened with a minimum of $5,000 in new funds not already on deposit with Cape Cod 5. Rate may change after opening. |
| $50,000 – $100,000Minimum daily balance of $5,000 to avoid monthly maintenance fees. Must be opened with a minimum of $5,000 in new funds not already on deposit with Cape Cod 5. Rate may change after opening. | 2.75% | — | Minimum daily balance of $5,000 to avoid monthly maintenance fees. Must be opened with a minimum of $5,000 in new funds not already on deposit with Cape Cod 5. Rate may change after opening. |
| $100,000 – $250,000Minimum daily balance of $5,000 to avoid monthly maintenance fees. Must be opened with a minimum of $5,000 in new funds not already on deposit with Cape Cod 5. Rate may change after opening. | 2.75% | — | Minimum daily balance of $5,000 to avoid monthly maintenance fees. Must be opened with a minimum of $5,000 in new funds not already on deposit with Cape Cod 5. Rate may change after opening. |
| $250,000 – $500,000Minimum daily balance of $5,000 to avoid monthly maintenance fees. Must be opened with a minimum of $5,000 in new funds not already on deposit with Cape Cod 5. Rate may change after opening. | 2.75% | — | Minimum daily balance of $5,000 to avoid monthly maintenance fees. Must be opened with a minimum of $5,000 in new funds not already on deposit with Cape Cod 5. Rate may change after opening. |
| $500,000 – $1,000,000Minimum daily balance of $5,000 to avoid monthly maintenance fees. Must be opened with a minimum of $5,000 in new funds not already on deposit with Cape Cod 5. Rate may change after opening. | 2.75% | — | Minimum daily balance of $5,000 to avoid monthly maintenance fees. Must be opened with a minimum of $5,000 in new funds not already on deposit with Cape Cod 5. Rate may change after opening. |
| $1,000,000 and upMinimum daily balance of $5,000 to avoid monthly maintenance fees. Must be opened with a minimum of $5,000 in new funds not already on deposit with Cape Cod 5. Rate may change after opening. | 2.75% | — | Minimum daily balance of $5,000 to avoid monthly maintenance fees. Must be opened with a minimum of $5,000 in new funds not already on deposit with Cape Cod 5. Rate may change after opening. |
Sources (2)
All captured Oct 5, 2026
Premier5 Money Market
0.70%APY
Available exclusively to Premier5 relationship customers. Tiered variable interest rates compounded monthly. Minimum daily balance of $2,500 will waive monthly maintenance fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Available exclusively to Premier5 relationship customers. Minimum daily balance to avoid monthly maintenance fees is $2,500. | 0.70% | $70 | Available exclusively to Premier5 relationship customers. Minimum daily balance to avoid monthly maintenance fees is $2,500. |
| $25,000 – $100,000Available exclusively to Premier5 relationship customers. Minimum daily balance to avoid monthly maintenance fees is $2,500. | 0.70% | — | Available exclusively to Premier5 relationship customers. Minimum daily balance to avoid monthly maintenance fees is $2,500. |
| $100,000 – $250,000Available exclusively to Premier5 relationship customers. Minimum daily balance to avoid monthly maintenance fees is $2,500. | 0.95% | — | Available exclusively to Premier5 relationship customers. Minimum daily balance to avoid monthly maintenance fees is $2,500. |
| $250,000 – $500,000Available exclusively to Premier5 relationship customers. Minimum daily balance to avoid monthly maintenance fees is $2,500. | 1.45% | — | Available exclusively to Premier5 relationship customers. Minimum daily balance to avoid monthly maintenance fees is $2,500. |
| $500,000 – $1,000,000Available exclusively to Premier5 relationship customers. Minimum daily balance to avoid monthly maintenance fees is $2,500. | 1.45% | — | Available exclusively to Premier5 relationship customers. Minimum daily balance to avoid monthly maintenance fees is $2,500. |
| $1,000,000 and upAvailable exclusively to Premier5 relationship customers. Minimum daily balance to avoid monthly maintenance fees is $2,500. | 1.45% | — | Available exclusively to Premier5 relationship customers. Minimum daily balance to avoid monthly maintenance fees is $2,500. |
Sources (2)
All captured Oct 15, 2026
PrimaryPlus Money Market
0.65%APY
Available exclusively to PrimaryPlus relationship customers. Tiered variable interest rates compounded monthly. Minimum daily balance of $2,500 will waive monthly maintenance fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Available exclusively to PrimaryPlus relationship customers. Minimum daily balance to avoid monthly maintenance fees is $2,500. | 0.65% | $65 | Available exclusively to PrimaryPlus relationship customers. Minimum daily balance to avoid monthly maintenance fees is $2,500. |
| $25,000 – $100,000Available exclusively to PrimaryPlus relationship customers. Minimum daily balance to avoid monthly maintenance fees is $2,500. | 0.65% | — | Available exclusively to PrimaryPlus relationship customers. Minimum daily balance to avoid monthly maintenance fees is $2,500. |
| $100,000 – $250,000Available exclusively to PrimaryPlus relationship customers. Minimum daily balance to avoid monthly maintenance fees is $2,500. | 0.70% | — | Available exclusively to PrimaryPlus relationship customers. Minimum daily balance to avoid monthly maintenance fees is $2,500. |
| $250,000 – $500,000Available exclusively to PrimaryPlus relationship customers. Minimum daily balance to avoid monthly maintenance fees is $2,500. | 1.20% | — | Available exclusively to PrimaryPlus relationship customers. Minimum daily balance to avoid monthly maintenance fees is $2,500. |
| $500,000 – $1,000,000Available exclusively to PrimaryPlus relationship customers. Minimum daily balance to avoid monthly maintenance fees is $2,500. | 1.20% | — | Available exclusively to PrimaryPlus relationship customers. Minimum daily balance to avoid monthly maintenance fees is $2,500. |
| $1,000,000 and upAvailable exclusively to PrimaryPlus relationship customers. Minimum daily balance to avoid monthly maintenance fees is $2,500. | 1.20% | — | Available exclusively to PrimaryPlus relationship customers. Minimum daily balance to avoid monthly maintenance fees is $2,500. |
Sources (2)
All captured Oct 15, 2026
Personal Money Market
0.02%APY
Tiered variable interest rates compounded monthly. Minimum daily balance of $2,500 will waive monthly maintenance fee. No additional deposit relationship is required. May be opened with new money or funds already in a deposit account with Cape Cod 5.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Minimum daily balance to avoid monthly maintenance fees is $2,500. | 0.02% | — | Minimum daily balance to avoid monthly maintenance fees is $2,500. |
| $2,500 – $10,000Minimum daily balance to avoid monthly maintenance fees is $2,500. | 0.02% | — | Minimum daily balance to avoid monthly maintenance fees is $2,500. |
| $10,000 – $25,000Minimum daily balance to avoid monthly maintenance fees is $2,500. | 0.02% | $2 | Minimum daily balance to avoid monthly maintenance fees is $2,500. |
| $25,000 – $50,000Minimum daily balance to avoid monthly maintenance fees is $2,500. | 0.02% | — | Minimum daily balance to avoid monthly maintenance fees is $2,500. |
| $50,000 – $100,000Minimum daily balance to avoid monthly maintenance fees is $2,500. | 0.02% | — | Minimum daily balance to avoid monthly maintenance fees is $2,500. |
| $100,000 and upMinimum daily balance to avoid monthly maintenance fees is $2,500. | 0.02% | — | Minimum daily balance to avoid monthly maintenance fees is $2,500. |
Sources (2)
All captured Oct 15, 2026
Personal Savings
0.02%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upMinimum daily balance of $10 to avoid monthly maintenance fees. Rate may change after opening. Fees could reduce earnings on accounts.$10 and up | 0.02% | $2 | Minimum daily balance of $10 to avoid monthly maintenance fees. Rate may change after opening. Fees could reduce earnings on accounts. |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
IRA High Yield Savings
2.75%APY
This account must be opened with a minimum of $5,000 in new funds not already on deposit with Cape Cod 5.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Must be opened with a minimum of $5,000 in new funds not already on deposit with Cape Cod 5. Rate may change after opening. Fees could reduce earnings on accounts. | 0.02% | — | Must be opened with a minimum of $5,000 in new funds not already on deposit with Cape Cod 5. Rate may change after opening. Fees could reduce earnings on accounts. |
| $10,000 – $100,000Must be opened with a minimum of $5,000 in new funds not already on deposit with Cape Cod 5. Rate may change after opening. Fees could reduce earnings on accounts. | 2.75% | $275 | Must be opened with a minimum of $5,000 in new funds not already on deposit with Cape Cod 5. Rate may change after opening. Fees could reduce earnings on accounts. |
| $100,000 – $250,000Must be opened with a minimum of $5,000 in new funds not already on deposit with Cape Cod 5. Rate may change after opening. Fees could reduce earnings on accounts. | 2.75% | — | Must be opened with a minimum of $5,000 in new funds not already on deposit with Cape Cod 5. Rate may change after opening. Fees could reduce earnings on accounts. |
| $250,000 – $500,000Must be opened with a minimum of $5,000 in new funds not already on deposit with Cape Cod 5. Rate may change after opening. Fees could reduce earnings on accounts. | 2.75% | — | Must be opened with a minimum of $5,000 in new funds not already on deposit with Cape Cod 5. Rate may change after opening. Fees could reduce earnings on accounts. |
| $500,000 – $1,000,000Must be opened with a minimum of $5,000 in new funds not already on deposit with Cape Cod 5. Rate may change after opening. Fees could reduce earnings on accounts. | 2.75% | — | Must be opened with a minimum of $5,000 in new funds not already on deposit with Cape Cod 5. Rate may change after opening. Fees could reduce earnings on accounts. |
| $1,000,000 and upMust be opened with a minimum of $5,000 in new funds not already on deposit with Cape Cod 5. Rate may change after opening. Fees could reduce earnings on accounts. | 2.75% | — | Must be opened with a minimum of $5,000 in new funds not already on deposit with Cape Cod 5. Rate may change after opening. Fees could reduce earnings on accounts. |
Sources (1)
- capecodfive.com/personal/deposit-rates · captured Oct 5, 2026
Retirement Money Market
0.02%APY
Individual Retirement Account (IRA) money market account. Minimum daily balance to avoid monthly maintenance fees is $0.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Minimum daily balance to avoid monthly maintenance fees is $0. | 0.02% | — | Minimum daily balance to avoid monthly maintenance fees is $0. |
| $2,500 – $10,000Minimum daily balance to avoid monthly maintenance fees is $0. | 0.02% | — | Minimum daily balance to avoid monthly maintenance fees is $0. |
| $10,000 – $25,000Minimum daily balance to avoid monthly maintenance fees is $0. | 0.02% | $2 | Minimum daily balance to avoid monthly maintenance fees is $0. |
| $25,000 – $50,000Minimum daily balance to avoid monthly maintenance fees is $0. | 0.02% | — | Minimum daily balance to avoid monthly maintenance fees is $0. |
| $50,000 – $100,000Minimum daily balance to avoid monthly maintenance fees is $0. | 0.02% | — | Minimum daily balance to avoid monthly maintenance fees is $0. |
| $100,000 and upMinimum daily balance to avoid monthly maintenance fees is $0. | 0.02% | — | Minimum daily balance to avoid monthly maintenance fees is $0. |
Sources (2)
All captured Oct 15, 2026
Retirement Savings
0.02%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upRate may change after opening. Fees could reduce earnings on accounts.$10 and up | 0.02% | $2 | Rate may change after opening. Fees could reduce earnings on accounts. |
Sources (1)
- capecodfive.com/personal/deposit-rates · 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.