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The Cooperative Bank of Cape Cod


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
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
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
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 7/15/2025
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 7/15/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
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
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.thecooperativebankofcapecod.com
508-568-3400
25 Benjamin Franklin Way
Hyannis, MA 02601

The Cooperative Bank of Cape Cod is headquartered in YARMOUTH PORT and is the 35th largest bank in the state of Massachusetts. It is also the 696th largest bank in the nation. It was established in 1921 and as of March of 2025, it had grown to 170 employees at 11 locations. The Cooperative Bank of Cape Cod's CD rates are 4X the national average, and it has an A health rating.

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Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #26517
Year Established1921
Employees170
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.23%
Return on Equity - YTD2.5%
Annual Interest Income$18.7MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$1.62B$1.6B
LoansQ1 2025vs Q1 2024$1.39B$1.38B
DepositsQ1 2025vs Q1 2024$1.37B$1.32B
Equity CapitalQ1 2025vs Q1 2024$150.7MM$147.7MM
Loan Loss AllowanceQ1 2025vs Q1 2024$9.9MM$10MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$246K$1.8MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
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
APY APY = Annual Percentage Yield Rates as of 7/15/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
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 7/15/2025
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 7/15/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/15/2025
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
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.

The Cooperative Bank of Cape Cod Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$0-Positively Different Business Savings
0.05%$0-Positively Different Savings

The Cooperative Bank of Cape Cod Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.05%*$500k*-Premier Money Market
OTHER TIERS: 0.73% → $0 - $25k | 2.45% → $25k - $100k | 2.55% → $100k - $250k | 2.80% → $250k - $500k
2.80%$0-Non Profit Money Market
2.55%*$1m*-Positively Different Business Money Market
OTHER TIERS: 1.55% → $0 - $100k | 1.80% → $100k - $250k | 2.05% → $250k - $500k | 2.30% → $500k - $1m
0.25%$0-Positively Different Money Market

The Cooperative Bank of Cape Cod Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$0$10kSmart Rate Checking
OTHER TIERS: 0.25% → $10k+
0.10%*$1.5k*-Positively Premium Interest Checking
OTHER TIERS: 0.05% → $0 - $1.5k
0.05%$0-Positively Direct Interest Checking
0.05%$0-Positively 50+ Interest Checking
0.05%$0-Positively Business Interest Checking

The Cooperative Bank of Cape Cod CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.85%$500-4 Month CD Special
3.85%$500-Business 4 Month CD Special
3.55%$500-8 Month CD Special
3.55%$500-Business 8 Month CD Special
3.50%$500-1 Year CD
3.50%$500-Business 1 Year CD
2.75%$500-18 Month CD
2.75%$500-Business 18 Month CD
2.55%$500-2 Year CD
2.55%$500-Business 2 Year CD
1.80%$500-9 Month CD
1.80%$500-Business 9 Month CD

The Cooperative Bank of Cape Cod IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.70%$500-12 Month IRA
2.75%$500-18 Month IRA
2.55%$500-2 Year IRA
1.80%$500-9 Month IRA
Locations


Cities: East Dennis, East Harwich, Falmouth, Hyannis, Marstons Mills, North Falmouth, Sandwich, West Barnstable, Yarmouth Port

East Dennis Branches
East Dennis Branch1591 Main StreetEast Dennis, MA 02641

East Harwich Branches
Orleans Road Branch1470 Orleans RoadEast Harwich, MA 02645

Falmouth Branches
Falmouth Main Street Branch238 Worcester CourtFalmouth, MA 02540

Hyannis Branches
Attucks Lane Branch695 Attucks Lane HyannisHyannis, MA 02601

Marstons Mills Branches
Marstons Mills Branch3878 Falmouth RoadMarstons Mills, MA 02648

North Falmouth Branches
North Falmouth Branch660 N Falmouth HwyNorth Falmouth, MA 02556

Sandwich Branches
Sandwich Branch275 Cotuit RoadSandwich, MA 02563

West Barnstable Branches
West Barnstable Branch1121 Route 6aWest Barnstable, MA 02668

Yarmouth Port Branches
Cape Cod Co-Operative Bank121 Main StYarmouth Port, MA 02675
King's Circuit Branch64 King's CircuitYarmouth Port, MA 02675

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