Rates
Deposit Rates
Savings
| Balance | Interest Rate | APY* |
|---|---|---|
| $0 | 0.05% | 0.05% |
* All rates and Annual Percentage Yields (APYs) are accurate as of the rate effective date and are subject to change without notice. The Annual Percentage Yield is the rate at which an account would earn interest over a one-year period if the stated interest rate remained in effect and all interest paid on the account was left in the account. Interest is compounded monthly on all accounts. Fees on your account could reduce earnings. Rate(s) may change after the account is opened. Cannot be combined with any other offers. Minimum deposit of $25 required to open account.
Full Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF) deposit protection means 100% of your deposits are insured in full.
Money Market
| Balance | Interest Rate | APY* |
|---|---|---|
| $0 – 14,999.99 | 0.25% | 0.25% |
| $15,000 – 24,999.99 | 0.25% | 0.25% |
| $25,000 – 49,999.99 | 0.25% | 0.25% |
| $50,000 – 99,999.99 | 0.25% | 0.25% |
| $100,000 – 249,999 | 0.25% | 0.25% |
| $250,000 & up | 0.25% | 0.25% |
* All rates and Annual Percentage Yields (APYs) are accurate as of the rate effective date and are subject to change without notice. The Annual Percentage Yield is the rate at which an account would earn interest over a one-year period if the stated interest rate remained in effect and all interest paid on the account was left in the account. Interest is compounded monthly on all accounts. Fees on your account could reduce earnings. Rate(s) may change after the account is opened. Cannot be combined with any other offers. Minimum deposit of $25 required to open account.
Full Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF) deposit protection means 100% of your deposits are insured in full.
Premier Money Market
| Balance | Interest Rate | APY* |
|---|---|---|
| $0 – 24,999.99 | .73% | .73% |
| $25,000 – 99,999.99 | 2.42% | 2.45% |
| $100,000 – 249,999 | 2.52% | 2.55% |
| $250,000 – 499,999.99 | 2.76% | 2.80% |
| $500,000 – 999,999.99 | 3.01% | 3.05% |
| $1,000,000 & up | 3.01% | 3.05% |
* All rates and Annual Percentage Yields (APYs) are accurate as of the rate effective date and are subject to change without notice. The Annual Percentage Yield is the rate at which an account would earn interest over a one-year period if the stated interest rate remained in effect and all interest paid on the account was left in the account. Interest is compounded monthly on all accounts. Fees on your account could reduce earnings. Rate(s) may change after the account is opened. Cannot be combined with any other offers. Minimum deposit of $25 required to open account.
Full Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF) deposit protection means 100% of your deposits are insured in full.
SmartRate Checking
| Balance | Interest Rate | APY* |
|---|---|---|
| Balance up to and including $10,000 | 1.00% | 1.00% |
| That portion of your balance that is greater than $10,000 | 0.25% | 1.00% to 0.40% |
* All rates and Annual Percentage Yields (APYs) are accurate as of the rate effective date and are subject to change without notice. The Annual Percentage Yield is the rate at which an account would earn interest over a one-year period if the stated interest rate remained in effect and all interest paid on the account was left in the account. Interest is compounded monthly on all accounts. Fees on your account could reduce earnings. Rate(s) may change after the account is opened. Cannot be combined with any other offers. Minimum deposit of $25 required to open account. If your daily balance is $10,000 or less, the interest rate paid on the entire balance will be 1.00% with an annual percentage yield of 1.00%. An interest rate of 0.25% will be paid only for that portion of your daily balance that is greater than $10,000. The annual percentage yield for this tier will range from 1.00% APY to 0.40% APY. For example purposes only, this APY range is calculated assuming account balances from $10,000.01 to $50,000.00.
Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF). All deposits are insured in full.
50+ Interest Checking
| Balance | Interest Rate | APY* |
|---|---|---|
| $0 | 0.05% | 0.05% |
* All rates and Annual Percentage Yields (APYs) are accurate as of the rate effective date and are subject to change without notice. The Annual Percentage Yield is the rate at which an account would earn interest over a one-year period if the stated interest rate remained in effect and all interest paid on the account was left in the account. Interest is compounded monthly on all accounts. Fees on your account could reduce earnings. Rate(s) may change after the account is opened. Cannot be combined with any other offers. Minimum deposit of $25 required to open account.
Full Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF) deposit protection means 100% of your deposits are insured in full.
Certificates of Deposit
| Duration | Minimum Balance to Earn APY | Interest Rate | APY* |
|---|---|---|---|
| 4 Month Special** | $500 | 3.79% | 3.85% |
| 8 Month Special** | $500 | 3.49% | 3.55% |
| 9 Month | $500 | 1.79% | 1.80% |
| 12 Month | $500 | 3.45% | 3.50% |
| 12 Month IRA*** | $500 | 3.64% | 3.70% |
| 18 Months | $500 | 2.72% | 2.75% |
| 2 Years | $500 | 2.52% | 2.55% |
* All rates and annual percentage yields (APYs) are accurate as of the rate effective date and are subject to change without notice. The Annual Percentage Yield is the rate at which an account would earn interest over a one-year period if the stated interest rate remained in effect and all interest paid on the account was left in the account. Interest is compounded monthly on all accounts. Fees on your account could reduce earnings. Certificates of Deposit are subject to penalty for early withdrawal of principal. Cannot be combined with any other offers.
** 4-month and 8-month CDs are not available as an IRA or passbook. All CD terms listed are available to business and consumer clients. Online opening available to consumer accounts only.
*** Withdrawals of interest or principal from a 12-month Individual Retirement Account (IRA) CD may be subject to taxes, withholding, and penalties in accordance with income tax rules applicable to IRAs; consult your tax or legal professional. $25 IRA annual fee. To open a 12-month IRA CD, client must also have an IRA plan with Cape & Coast Bank.
Full Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF) deposit protection means 100% of your deposits are insured in full.
Business Account Rates
Business Money Market
| Balance | Interest Rate | APY* |
|---|---|---|
| $0 – 24,999.99 | 1.54% | 1.55% |
| $25,000 – 99,999.99 | 1.54% | 1.55% |
| $100,000 – 249,999.99 | 1.79% | 1.80% |
| $250,000 – 499,999.99 | 2.03% | 2.05% |
| $500,000 – 999,999.99 | 2.28% | 2.30% |
| $1,000,000 & up | 2.52% | 2.55% |
* All rates and Annual Percentage Yields (APYs) are accurate as of the rate effective date and are subject to change without notice. The Annual Percentage Yield is the rate at which an account would earn interest over a one-year period if the stated interest rate remained in effect and all interest paid on the account was left in the account. Interest is compounded monthly on all accounts. Fees on your account could reduce earnings. Rate(s) may change after the account is opened. Cannot be combined with any other offers. Minimum deposit of $25 required to open account.
Full Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF) deposit protection means 100% of your deposits are insured in full.
Nonprofit Money Market
| Balance | Interest Rate | APY* |
|---|---|---|
| $0 – 24,999.99 | 2.76% | 2.80% |
| $25,000 – 99,999.99 | 2.76% | 2.80% |
| $100,000 – 249,999.99 | 2.76% | 2.80% |
| $250,000 – 499,999.99 | 2.76% | 2.80% |
| $500,000 – 999,999.99 | 2.76% | 2.80% |
| $1,000,000 & up | 2.76% | 2.80% |
* All rates and Annual Percentage Yields (APYs) are accurate as of the rate effective date and are subject to change without notice. The Annual Percentage Yield is the rate at which an account would earn interest over a one-year period if the stated interest rate remained in effect and all interest paid on the account was left in the account. Interest is compounded monthly on all accounts. Fees on your account could reduce earnings. Rate(s) may change after the account is opened. Cannot be combined with any other offers. Minimum deposit of $10,000 required to open account.
Full Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF) deposit protection means 100% of your deposits are insured in full.
Business Checking
| Balance | Interest Rate | APY* |
|---|---|---|
| $0 | 0.05% | 0.05% |
* All rates and Annual Percentage Yields (APYs) are accurate as of the rate effective date and are subject to change without notice. The Annual Percentage Yield is the rate at which an account would earn interest over a one-year period if the stated interest rate remained in effect and all interest paid on the account was left in the account. Interest is compounded monthly on all accounts. Fees on your account could reduce earnings. Rate(s) may change after the account is opened. Cannot be combined with any other offers. Minimum deposit of $25 required to open account.
Full Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF) deposit protection means 100% of your deposits are insured in full.
Business Savings
| Balance | Interest Rate | APY* |
|---|---|---|
| $0 | 0.05% | 0.05% |
* All rates and Annual Percentage Yields (APYs) are accurate as of the rate effective date and are subject to change without notice. The Annual Percentage Yield is the rate at which an account would earn interest over a one-year period if the stated interest rate remained in effect and all interest paid on the account was left in the account. Interest is compounded monthly on all accounts. Fees on your account could reduce earnings. Rate(s) may change after the account is opened. Cannot be combined with any other offers. Minimum deposit of $25 required to open account.
Full Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF) deposit protection means 100% of your deposits are insured in full.
Mortgage Rates
Home Equity Loans
| Product | APR | Points | APR (w/ Auto Pay) | Lock Period | Payment per Thousand (w/ Auto Pay) | Payment per Thousand |
|---|---|---|---|---|---|---|
| 20 Year Fixed Rate | 8.500% | 0 | 8.250% | 55 Days | $8.51 | $8.80 |
| 15 Year Fixed Rate | 8.250% | 0 | 8.000% | 55 Days | $9.52 | $9.74 |
Home Equity Lines of Credit (HELOC)
| APR | APR (w/ Auto Pay) | Lock Period |
|---|---|---|
| 7.750% Prime + .500% | 7.250% | 55 Days |
* Rates are subject to change without notice