Don’t gamble with your savings. Our certificate of deposit products offer guaranteed earnings and the peace of mind that comes with 100% deposit insurance. That way, you know your money is safe and bringing in the return you expected, no matter what the market does in the future. We have a variety of terms with excellent fixed rates. Pick the one that fits your needs, then sit back and let the returns flow in. Additional terms, conditions, and fees may apply.
Why Choose a Certificate of Deposit (CD)?
- Fixed rates, guaranteed returns
- Terms from 3 months to 5 years
- No setup charges or service fees
A penalty may be imposed for early withdrawal.
Safety and Security. By combining FDIC primary insurance and DIF excess deposit insurance, we are able to provide our depositors full insurance on all deposits, no matter the balance. Visit our FDIC and DIF page for more information.
Rates
| Certificates of Deposit | |||
|---|---|---|---|
| Duration | Minimum Balance to Earn APY | What you get | |
| Interest Rate | APY* | ||
| 4 Month Special** - Open Now | $500 | 3.79% | 3.85% |
| 8 Month Special** - Open Now | $500 | 3.49% | 3.55% |
| 9 Month - Open Now | $500 | 1.79% | 1.80% |
| 12 Month - Open Now | $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 The Cooperative Bank of Cape Cod. |
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Looking For A Different Personal Savings Account?
We have a variety of options, and we know we have the perfect personal savings account for you.
