Personal Loan Rates & Mortgage Loan Rates | The Cooperative Bank of Cape Cod

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Consumer Loan Rates
Deposit Rates
Business Account Rates

Mortgage Rates

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Consumer Loan Rates

Auto Loans
New Vehicle to 1 Year Old	6.99%	60 Months	$19.80	6.49%	$19.56
Used Vehicle 2-3 Years Old	8.99%	48 Months	$24.88	8.49%	$24.64
Used Vehicle 4-5 Years Old	8.99%	36 Months	$31.80	8.49%	$31.56
Used Vehicle 6 Years or Older	8.99%	24 Months	$45.68	8.49%	$45.45
*The above rates are subject to change without notice

CapeLife Special Auto Loans
New Vehicle to 1 Year Old	6.74%	60 Months	$19.68	6.24%	$19.44
*The above rates are subject to change without notice

Auto Loans

New Vehicle to 1 Year Old

Annual Percentage Rate (APR)*

6.99%

Max Term

60 months

Payment Per Thousand

$19.80

APR with AutoPay

6.49%

Payment Per Thousand with AutoPay

$19.56

Used Vehicle 2-3 Years Old

Annual Percentage Rate (APR)*

8.99%

Max Term

48 months

Payment Per Thousand

$24.88

APR with AutoPay

8.49%

Payment Per Thousand with AutoPay

$24.64

Used Vehicle 4-5 Years Old

Annual Percentage Rate (APR)*

8.99%

Max Term

36 months

Payment Per Thousand

$31.80

APR with AutoPay

8.49%

Payment Per Thousand with AutoPay

$31.56

Used Vehicle 6 Years or Older

Annual Percentage Rate (APR)*

8.99%

Max Term

24 months

Payment Per Thousand

$45.68

APR with AutoPay

8.49%

Payment Per Thousand with AutoPay

$45.45

*The above rates are subject to change without notice.

Personal Loans
Under $5,000	15.00%	12 months	$90.26	14.50%	$90.02
15.00%	48 months	$27.83	14.50%	$27.58
$5,000 and over	16.00%	12 months	$90.73	15.50%	$90.49
16.00%	48 months	$28.34	15.50%	$28.08
*The above rates are subject to change without notice

CapeLife Special Personal Loans
$1,000 - $4,999	11.00%	12 months	$88.38	10.50%	$88.15
11.00%	36 months	$32.74	10.50%	$32.50
*The above rates are subject to change without notice

Personal Loans

Under $5,000

Annual Percentage Rate (APR)*

15.00%

Max Term

12 months

Payment Per Thousand

$90.26

APR with AutoPay

14.50%

Payment Per Thousand with AutoPay

$90.02

Under $5,000

Annual Percentage Rate (APR)*

15.00%

Max Term

48 months

Payment Per Thousand

$27.83

APR with AutoPay

14.50%

Payment Per Thousand with AutoPay

$27.58

$5,000 and over

Annual Percentage Rate (APR)*

16.00%

Max Term

12 months

Payment Per Thousand

$90.73

APR with AutoPay

15.50%

Payment Per Thousand with AutoPay

$90.49

$5,000 and over

Annual Percentage Rate (APR)*

16.00%

Max Term

48 months

Payment Per Thousand

$28.34

APR with AutoPay

15.50%

Payment Per Thousand with AutoPay

$28.08

*The above rates are subject to change without notice.

Time Notes

Rates effective July 17, 2017

Time Notes
Amount	Annual Percentage Rate (APR)*	Term	Payment Per Thousand
$500 - $20,000	15.00%	90 days	$341.70
$500 - $20,000	16.00%	180 days	$174.53
*The above rates are subject to change without notice

Rates effective July 17, 2017

Time Notes

$500 - $20,000

Annual Percentage Rate (APR)*

15.00%

Term

90 days

Payment Per Thousand

$341.70

$500 - $20,000

Annual Percentage Rate (APR)*

16.00%

Term

180 days

Payment Per Thousand

$174.53

*The above rates are subject to change without notice.

Deposit Rates

Cape Cod Money Fund

Rates effective August 15th, 2017

Cape Cod Money Fund
With a daily balance of	What you get
With a daily balance of	Interest Rate	APY**
$10	0.10%	0.10%
$15,000	0.15%	0.15%
$25,000	0.50%	0.50%
$50,000	1.00%	1.00%
$100,000	1.00%	1.00%
$250,000	1.00%	1.00%
**All rates and Annual Percentage Yields (APYs) are accurate as of the date above and are subject to change without notice. The Annual Percentage Yield applies when the required minimum balance and interest is kept on deposit for one year. These are variable rate accounts and the rate can change without notice after account opening. APY assumes interest earned in account compounds. Fees on your account could reduce earnings. May not be combined with any other offers.

Rates effective August 15th, 2017

Cape Cod Money Fund

With a minimum daily balance of at least $10

What You Get

Interest

0.10%

APY**

0.10%

With a minimum daily balance of at least $15,000

What You Get

Interest

0.15%

APY**

0.15%

With a minimum daily balance of at least $25,000

What You Get

Interest

0.50%

APY**

0.50%

With a minimum daily balance of at least $50,000

What You Get

Interest

1.00%

APY**

1.00%

With a minimum daily balance of at least $100,000

What You Get

Interest

1.00%

APY**

1.00%

With a minimum daily balance of at least $250,000

What You Get

Interest

1.00%

APY**

1.00%

**All rates and Annual Percentage Yields (APYs) are accurate as of the date above and are subject to change without notice. The Annual Percentage Yield applies when the required minimum balance and interest is kept on deposit for one year. These are variable rate accounts and the rate can change without notice after account opening. APY assumes interest earned in account compounds. Fees on your account could reduce earnings. May not be combined with any other offers.

Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Share Insurance Fund (SIF). All deposits are insured in full.

Savings

Rates effective August 15th, 2017

Statement Savings Account			Super Statement Savings
With a daily balance of	What you get		With a daily balance of	What you get
With a daily balance of	Interest Rate	APY*	With a daily balance of	Interest Rate	APY*
$10	0.10%	0.10%	$10	0.10%	0.10%
			$10,000	0.10%	0.10%
			$25,000	0.15%	0.15%
			$50,000	0.15%	0.15%
			$100,000	0.20%	0.20%
* All rates and Annual Percentage Yields (APYs) are accurate as of the date above and are subject to change without notice. The Annual Percentage Yield applies when the required minimum balance and interest is kept on deposit for one year. These are variable rate accounts and the rate can change without notice after account opening. APY assumes interest earned in account compounds. Fees on your account could reduce earnings. May not be combined with any other offers.

Rates effective August 15th, 2017

Statement Savings Account

With minimum daily balance of $10

What You Get

Interest

0.10%

APY*

0.10%

Super Statement Savings

With minimum daily balance of $10

What You Get

Interest

0.10%

APY*

0.10%

With minimum daily balance of $10,000

What You Get

Interest

0.10%

APY*

0.10%

With minimum daily balance of $25,000

What You Get

Interest

0.15%

APY*

0.15%

With minimum daily balance of $50,000

What You Get

Interest

0.15%

APY*

0.15%

With minimum daily balance of $100,000

What You Get

Interest

0.20%

APY*

0.20%

* All rates and Annual Percentage Yields (APYs) are accurate as of the date above and are subject to change without notice. The Annual Percentage Yield applies when the required minimum balance and interest is kept on deposit for one year. These are variable rate accounts and the rate can change without notice after account opening. APY assumes interest earned in account compounds. Fees on your account could reduce earnings. May not be combined with any other offers.

Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Share Insurance Fund (SIF). All deposits are insured in full.

Money Market

Rates effective August 15th, 2017

CapeLife Money Market Plus Account			CapeLife Business Executive Money Market Plus
With a daily balance of	What you get		With a daily balance of	What you get
With a daily balance of	Interest Rate	APY*	With a daily balance of	Interest Rate	APY*
$10	0.10%	0.10%	$10	0.10%	0.10%
$15,000	0.15%	0.15%	$15,000	0.15%	0.15%
$25,000	0.20%	0.20%	$25,000	0.20%	0.20%
$50,000	0.30%	0.30%	$50,000	0.30%	0.30%
$100,000	0.35%	0.35%	$100,000	0.35%	0.35%
$250,000	0.40%	0.40%	$250,000	0.40%	0.40%
* All rates and Annual Percentage Yields (APYs) are accurate as of the date above and are subject to change without notice. The Annual Percentage Yield applies when the required minimum balance and interest is kept on deposit for one year. These are variable rate accounts and the rate can change without notice after account opening. Interest is compounded monthly on all accounts. Fees on your account could reduce earnings. May not be combined with any other offers.

0.40%

* All rates and Annual Percentage Yields (APYs) are accurate as of the date above and are subject to change without notice. The Annual Percentage Yield applies when the required minimum balance and interest is kept on deposit for one year. These are variable rate accounts and the rate can change without notice after account opening. Interest is compounded monthly on all accounts. Fees on your account could reduce earnings. May not be combined with any other offers.

Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Share Insurance Fund (SIF). All deposits are insured in full.

NOW Account

Rates effective August 15th, 2017

NOW Checking
With a daily balance of	What you get
With a daily balance of	Interest Rate	APY*
At least $10	0.10%	0.10%
*All rates and Annual Percentage Yields (APYs) are accurate as of the date above and are subject to change without notice. The Annual Percentage Yield applies when the required minimum balance and interest is kept on deposit for one year. These are variable rate accounts and the rate can change without notice after account opening. APY assumes interest earned in account compounds. Fees on your account could reduce earnings. May not be combined with any other offers.

Rates effective August 15th, 2017

NOW Checking Account

With a minimum daily balance of at least $10

What You Get

Interest

0.10%

APY*

0.10%

*All rates and Annual Percentage Yields (APYs) are accurate as of the date above and are subject to change without notice. The Annual Percentage Yield applies when the required minimum balance and interest is kept on deposit for one year. These are variable rate accounts and the rate can change without notice after account opening. APY assumes interest earned in account compounds. Fees on your account could reduce earnings. May not be combined with any other offers.

Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Share Insurance Fund (SIF). All deposits are insured in full.

Certificates of Deposit (CDs)

Rates effective August 15th, 2017

CapeLife Account Customers, add 15 basis points (.15%) to any of our CD offers below. May not be combined with any other offers.

Certificates of Deposit
Duration	Minimum Balance to Earn APY	What you get
Duration	Minimum Balance to Earn APY	Interest Rate	APY*
3 months	$500	0.10%	0.10%
6 months	$500	0.20%	0.20%
9 months	$500	0.30%	0.30%
1 year	$500	0.40%	0.40%
18 months	$500	0.60%	0.60%
2 years	$500	0.90%	0.90%
3 years	$500	1.00%	1.00%
4 years	$500	1.24%	1.25%
5 years	$500	1.49%	1.50%
* All rates and Annual Percentage Yields (APYs) are accurate as of the above date and are subject to change without notice. The Annual Percentage Yield applies when the required minimum balance is kept on deposit for one year. Interest is compounded monthly on all accounts. Fees on your account could reduce earnings. Certificates of Deposit are subject to penalty for early withdrawal. Cannot be combined with other offers.

Rates effective August 15th, 2017

CapeLife Account Customers, add 15 basis points (.15%) to any of our CD offers below. May not be combined with any other offers.

Certificates of Deposit

Minimum deposit of $500, term of 3 months

What You Get

Interest

0.10%

APY*

0.10%

Minimum deposit of $500, term of 6 months

What You Get

Interest

0.20%

APY*

0.20%

Minimum deposit of $500, term of 9 months

What You Get

Interest

0.30%

APY*

0.30%

Minimum deposit of $500, term of 1 year

What You Get

Interest

0.40%

APY*

0.40%

Minimum deposit of $500, term of 18 months

What You Get

Interest

0.60%

APY*

0.60%

Minimum deposit of $500, term of 2 years

What You Get

Interest

0.90%

APY*

0.90%

Minimum deposit of $500, term of 3 years

What You Get

Interest

1.00%

APY*

1.00%

Minimum deposit of $500, term of 4 years

What You Get

Interest

1.24%

APY*

1.25%

Minimum deposit of $500, term of 5 years

What You Get

Interest

1.49%

APY*

1.50%

* All rates and Annual Percentage Yields (APYs) are accurate as of the above date and are subject to change without notice. The Annual Percentage Yield applies when the required minimum balance is kept on deposit for one year. Interest is compounded monthly on all accounts. Fees on your account could reduce earnings. Certificates of Deposit are subject to penalty for early withdrawal. Cannot be combined with other offers.

Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Share Insurance Fund (SIF). All deposits are insured in full.

Business Account Rates

Money Market

Rates effective August 15th, 2017

CapeLife Money Market Plus Account			CapeLife Business Executive Money Market Plus
With a daily balance of	What you get		With a daily balance of	What you get
With a daily balance of	Interest Rate	APY*	With a daily balance of	Interest Rate	APY*
$10	0.10%	0.10%	$10	0.10%	0.10%
$15,000	0.15%	0.15%	$15,000	0.15%	0.15%
$25,000	0.20%	0.20%	$25,000	0.20%	0.20%
$50,000	0.30%	0.30%	$50,000	0.30%	0.30%
$100,000	0.35%	0.35%	$100,000	0.35%	0.35%
$250,000	0.40%	0.40%	$250,000	0.40%	0.40%
* All rates and Annual Percentage Yields (APYs) are accurate as of the date above and are subject to change without notice. The Annual Percentage Yield applies when the required minimum balance and interest is kept on deposit for one year. These are variable rate accounts and the rate can change without notice after account opening. Interest is compounded monthly on all accounts. Fees on your account could reduce earnings. May not be combined with any other offers.

0.40%

* All rates and Annual Percentage Yields (APYs) are accurate as of the date above and are subject to change without notice. The Annual Percentage Yield applies when the required minimum balance and interest is kept on deposit for one year. These are variable rate accounts and the rate can change without notice after account opening. Interest is compounded monthly on all accounts. Fees on your account could reduce earnings. May not be combined with any other offers.

Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Share Insurance Fund (SIF). All deposits are insured in full.

Business NOW Checking

Rates effective August 15th, 2017

Business NOW Checking
With a daily balance of	What you get
With a daily balance of	Interest Rate	APY*
At least $10	0.10%	0.10%
*All rates and Annual Percentage Yields (APYs) are accurate as of the date above and are subject to change without notice. The Annual Percentage Yield applies when the required minimum balance and interest is kept on deposit for one year. These are variable rate accounts and the rate can change without notice after account opening. APY assumes interest earned in account compounds. Fees on your account could reduce earnings. May not be combined with any other offers.

Rates effective August 15th, 2017

Business NOW Checking Account

With a minimum daily balance of at least $10

What You Get

Interest

0.10%

APY*

0.10%

*All rates and Annual Percentage Yields (APYs) are accurate as of the date above and are subject to change without notice. The Annual Percentage Yield applies when the required minimum balance and interest is kept on deposit for one year. These are variable rate accounts and the rate can change without notice after account opening. APY assumes interest earned in account compounds. Fees on your account could reduce earnings. May not be combined with any other offers.

Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Share Insurance Fund (SIF). All deposits are insured in full.

Auto Loans
Condition/Age	Annual Percentage Rate (APR)*	Maximum Term	Payment Per Thousand	APR with AutoPay	Payment Per Thousand with AutoPay
New Vehicle to 1 Year Old	6.99%	60 Months	$19.80	6.49%	$19.56
Used Vehicle 2-3 Years Old	8.99%	48 Months	$24.88	8.49%	$24.64
Used Vehicle 4-5 Years Old	8.99%	36 Months	$31.80	8.49%	$31.56
Used Vehicle 6 Years or Older	8.99%	24 Months	$45.68	8.49%	$45.45
*The above rates are subject to change without notice