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Cape Cod Five Cents Savings Bank


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.capecodfive.com
888-225-4636
1500 Iyannough Rd
Hyannis, MA 02601

Cape Cod Five Cents Savings Bank was founded in 1855 as a trust, operating for the benefit of its customers and their communities. Since then, its name and ownership have never changed, ensuring the continuity and stability its customers have come to expect. And today, as expressed in their advertising, Cape Cod Five remains "defiantly independent" - a mutual trust, with no stockholders. Thus, Cape Cod Five cannot be bought or sold.

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Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #23287
Year Established1855
Employees533
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.62%
Return on Equity - YTD6.45%
Annual Interest Income$62.4MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$5.57B$5.61B
LoansQ1 2025vs Q1 2024$4.56B$4.74B
DepositsQ1 2025vs Q1 2024$4.39B$4.36B
Equity CapitalQ1 2025vs Q1 2024$548.8MM$520.7MM
Loan Loss AllowanceQ1 2025vs Q1 2024$23.1MM$23.8MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$14MM$12.1MM
Real Estate OwnedQ1 2025vs Q1 2024$0$244K
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Cape Cod Five Cents Savings Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%*$10k*-High Yield Savings - New Money
OTHER TIERS: 0.02% → $10 - $10k
3.00%*$10k*-Non-Profit High Yield Savings Account - New Money
OTHER TIERS: 0.02% → $10 - $10k
0.02%$10-Business Savings Accounts
0.02%$10-Personal Savings Account

Cape Cod Five Cents Savings Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.55%*$250k*-Premier5 Money Market
OTHER TIERS: 0.80% → $10 - $100k | 1.05% → $100k - $250k
1.55%*$250k*-Premier Business Money Market Account
OTHER TIERS: 0.80% → $10 - $100k | 1.05% → $100k - $250k
1.55%*$250k*-Non-Profit Money Market Account
OTHER TIERS: 0.80% → $10 - $100k | 1.05% → $100k - $250k
1.30%*$250k*-PrimaryPlus Money Market
OTHER TIERS: 0.75% → $10 - $100k | 0.80% → $100k - $250k
0.02%$10-Personal Money Market Account
0.02%$10-Retirement Money Market Account
0.02%$10-Business Money Market Account

Cape Cod Five Cents Savings Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.02%$0-PrimaryPlus Banking
0.02%$0-Premier5 Banking

Cape Cod Five Cents Savings Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.80%$1k-91 Day Premier5 Plan CD
3.80%$1k-91 Day Non-Profit CD
3.78%$1k-91 Day PrimaryPlus Plan CD
3.75%$1k-91 Day CD
3.75%$1k-Business 91 Day CD
3.65%$1k-6 Month Premier5 Plan CD
3.65%$1k-6 Month Non-Profit CD
3.63%$1k-6 Month PrimaryPlus Plan CD
3.60%$1k-6 Month CD
3.60%$1k-Business 6 Month CD
3.50%$1k-9 Month Premier5 Plan CD
3.50%$1k-9 Month Non-Profit CD
3.48%$1k-9 Month PrimaryPlus Plan CD
3.45%$1k-9 Month CD
3.45%$1k-Business 9 Month CD
3.25%$1k-12 Month Premier5 Plan CD
3.25%$1k-12 Month Non-Profit CD
3.23%$1k-12 Month PrimaryPlus Plan CD
3.20%$1k-12 Month CD
3.20%$1k-Business 12 Month CD
3.10%$1k-18 Month Premier5 Plan CD
3.10%$1k-18 Month Non-Profit CD
3.08%$1k-18 Month PrimaryPlus Plan CD
3.05%$1k-18 Month CD
3.05%$1k-Business 18 Month CD
3.00%$1k-24 Month Premier5 Plan CD
3.00%$1k-36 Month Premier5 Plan CD
3.00%$1k-24 Month Non-Profit CD
3.00%$1k-36 Month Non-Profit CD
2.98%$1k-24 Month PrimaryPlus Plan CD
2.98%$1k-36 Month PrimaryPlus Plan CD
2.95%$1k-24 Month CD
2.95%$1k-36 Month CD
2.95%$1k-Business 24 Month CD
2.95%$1k-Business 36 Month CD
2.75%$1k-48 Month Premier5 Plan CD
2.75%$1k-48 Month Non-Profit CD
2.73%$1k-48 Month PrimaryPlus Plan CD
2.70%$1k-48 Month CD
2.70%$1k-Business 48 Month CD
2.50%$1k-60 Month Premier5 Plan CD
2.50%$1k-60 Month Non-Profit CD
2.48%$1k-60 Month PrimaryPlus Plan CD
2.45%$1k-60 Month CD
2.45%$1k-Business 60 Month CD

Cape Cod Five Cents Savings Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.80%$500-91 Day Premier5 IRA
3.78%$500-91 Day PrimaryPlus IRA
3.75%$500-91 Day IRA
3.65%$1k-6 Month Premier5 IRA
3.63%$1k-6 Month PrimaryPlus IRA
3.60%$1k-6 Month IRA
3.50%$1k-9 Month Premier5 IRA
3.48%$1k-9 Month PrimaryPlus IRA
3.45%$1k-9 Month IRA
3.25%$1k-12 Month Premier5 IRA
3.23%$1k-12 Month PrimaryPlus IRA
3.20%$1k-12 Month IRA
3.10%$1k-18 Month Premier5 IRA
3.08%$1k-18 Month PrimaryPlus IRA
3.05%$1k-18 Month IRA
3.00%$1k-24 Month Premier5 IRA
3.00%$1k-36 Month Premier5 IRA
3.00%*$10k*-Retirement High Yield Savings Account - New Money
OTHER TIERS: 0.02% → $10 - $10k
2.98%$1k-24 Month PrimaryPlus IRA
2.98%$1k-36 Month PrimaryPlus IRA
2.95%$1k-24 Month IRA
2.95%$1k-36 Month IRA
2.75%$1k-48 Month Premier5 IRA
2.73%$1k-48 Month PrimaryPlus IRA
2.70%$1k-48 Month IRA
2.50%$1k-60 Month Premier5 IRA
2.48%$1k-60 Month PrimaryPlus IRA
2.45%$1k-60 Month IRA
0.02%$10-IRA Savings
Locations

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