Grow Your Savings with Our Top CD Rates
Guaranteed returns you can count on, fully insured
Why We Think You’ll Love Our CDs
Let’s be honest—nobody likes financial surprises. That’s why we love Certificates of Deposit. You’ll know exactly what you’re earning from day one, and we’ll keep your money safe with full insurance protection. It’s simple, predictable growth you can count on.
What Makes Our CDs Special
- We’ll lock in your rate for the entire term—no surprises, ever.
- Choose terms from 3 months to 5 years that work with your timeline.
- You only need $500 to get started—we keep it accessible for everyone.
- Your deposits are insured in full through FDIC and DIF coverage.
- Your interest compounds monthly, so your money works harder for you.
Smart Ways You Can Use CDs
- Build a CD ladder to earn more while keeping some money accessible.
- Save for big plans like home improvements or your kids’ education.
- Grow an emergency fund that earns way more than regular savings.
- Protect your wealth when the markets get bumpy—guaranteed returns.
Your CD Questions, Answered
We know you’ve got questions about CDs, and we’re here to help. Here are the answers to what we hear most often from Cape Codders.
What exactly is a Certificate of Deposit?
Think of a CD as a savings account with a promise. You agree to leave your money with us for a set time, and we guarantee you’ll earn more than our regular savings accounts.
What are you paying on CDs right now?
Our current CD rates range from vary, depending on how long you want to invest. We often have special promotions that beat the national averages.
How much do I need to open a CD?
You can open a CD with just $500! It’s an easy way to start saving and take advantage of our competitive rates.
How do you protect my CD money?
Your deposits are insured in full through FDIC and DIF coverage—that’s 100% insurance on all deposits regardless of balance.
Can I get my money out early if I need it?
Yes, life happens and we understand. You can withdraw your money early, though there may be a penalty.
What happens when my CD is ready?
We’ll let you know before your CD matures so you can decide what works best—cash out, renew at current rates, or pick a different term.
Will my rate change during the term?
Nope! Your CD rate is locked in for the entire term. That’s our promise to you, no matter what happens with interest rates.
Ready to Start Growing Your Savings?
Why let your money sit around earning practically nothing? We’d love to help you start earning competitive rates with the security you deserve. Let’s put your savings to work with a CD that makes sense for you.
Find the Perfect CD for Your Goals
IRA CDs
Tax-smart1 retirement savings with guaranteed growth.
Opening Your CD is Really This Easy
We’ve made it simple to get started. Whether you want to stop by one of our branches or just give us a call, we’ll walk you through everything and answer your questions.
Your Local Cape Cod Banking Partner
When you choose Cape & Coast Bank, you’re supporting your community while getting the personal service and competitive rates you deserve. Experience the difference local banking makes.
1Consult your tax advisor.