Grow your money with our Certificate of Deposit specials. By combining FDIC and DIF insurance, 100% of deposits are insured in full with us. Stop by a branch today to talk with our team!


4-month Certificate of Deposit
5.00% APY

Our 4-month CD requires a $500 minimum opening deposit and minimum balance to earn the 5.00% APY* (Annual Percentage Yield). Available to consumer clients only.
See below for additional rate information.  

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8-month Certificate of Deposit

8 Month CD has an APY of 4.85%

Our 8-month CD requires a $500 minimum opening deposit and minimum balance to earn the 4.85% APY* (Annual Percentage Yield).
See below for additional rate information.  

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9-month Certificate of Deposit

9 Month CD has APY of 2.25%

Our 9-month CD requires a $500 minimum opening deposit and minimum balance to earn the 2.25% APY* (Annual Percentage Yield).
See below for additional rate information.  

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12-month Certificate of Deposit
12 Month CD has an APY of 4.60%

Our 12-month CD requires a $500 minimum opening deposit and minimum balance to earn the 4.60% APY* (Annual Percentage Yield).
See below for additional rate information.  

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12-month IRA 
4.75% APY**

Our 12-month IRA requires a $500 minimum opening deposit and minimum balance to earn the 4.75% APY** (Annual Percentage Yield).
See below for additional rate information.  

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*For this 4-month, 8-month, and 12-month CD, interest can be withdrawn, automatically transferred to another TCBCC account, or mailed by check without penalty, or left in account for accrual. 4-month and 8-month CDs are not IRA eligible. The advertised Annual Percentage Yield (APY) is effective as of June 6, 2024, and applies to the initial term only. Minimum opening deposit to earn stated APY is $500. Interest is compounded monthly. Fees on your account could reduce earnings. CDs are subject to penalty for early withdrawal of principal. The 4-month CD is available to consumer clients 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. To open a 12-month IRA CD, client must also have an IRA plan with The Cooperative Bank of Cape Cod. The advertised Annual Percentage Yield (APY) is effective as of Feb. 5, 2024, and applies to the initial term only. Minimum opening deposit to earn stated APY is $500. Interest is compounded monthly. Fees on your account could reduce earnings. CDs are subject to penalty for early withdrawal of principal.


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