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

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Mortgage Rates

Deposit Rates

Business Account Rates

Consumer Loan Rates

Mortgage Rates

Conventional Mortgage Rates

Conforming - 30 Year Fixed Rate
Rate	Points	APR	Lock Period	Payment per Thousand
5.125%	0	5.187%	55 Days	$5.44
Conforming - 20 Year Fixed Rate
Rate	Points	APR	Lock Period	Payment per Thousand
4.875%	0	5.012%	55 Days	$6.53
Conforming - 15 Year Fixed Rate
Rate	Points	APR	Lock Period	Payment per Thousand
4.500%	0	4.668%	55 Days	$7.65
Conforming - 10 Year Fixed Rate
Rate	Points	APR	Lock Period	Payment per Thousand
4.375%	0	4.609%	55 Days	$10.30
Conforming - 10/1 Adjustable Rate
Rate	Points	APR	Lock Period	Payment per Thousand
3.375%	0	4.033%	55 Days	$4.42

Home Equity & Lines of Credit

Home Equity Loan - 20 Year Fixed Rate
Rate	Points	APR	Lock Period	Payment per Thousand
4.500%	0	4.635%	55 Days	$6.33
Home Equity Loan - 15 Year Fixed Rate
Rate	Points	APR	Lock Period	Payment per Thousand
4.250%	0	4.419%	55 Days	$7.52
Home Equity Line of Credit (HELOC)
APR	APR (w/ Auto Pay)	Lock Period	Comments/Conditions:
4.500% Prime +.50%	4.000% Prime + 0.0%	55 Days	No minimum draw required at closing. APR subject to Prime rate. See important disclosures and assumptions.

Jumbo Mortgage Rates

Jumbo - 5/1 Adjustable Rate
Rate	Points	APR	Lock Period	Payment per Thousand
3.000%	0	4.168%	55 Days	$4.22
Jumbo - 10/1 Adjustable Rate
Rate	Points	APR	Lock Period	Payment per Thousand
3.375%	0	3.951%	55 Days	$4.42

See Important Disclosures, Assumptions and APR Information

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Get started on your mortgage loan today! You can begin the application process or contact one of our loan officers for more information.

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Consumer Loan Rates

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 1-Oct-19

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 1-Oct-19

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

Positively Different Savings	Positively Different Business Savings
At least $0.01	0.10%	0.10%	At least $0.01	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 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. Certificates of Deposit are subject to penalty for early withdrawal. Cannot be combined with any other offers. Minimum deposit of $25 required to open account.

Positively Different Savings

With minimum daily balance of at least $0.01

What You Get

Interest

0.10%

APY*

0.10%

Positively Different Business Savings

With minimum daily balance of at least $0.01

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 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. Certificates of Deposit are subject to penalty for early withdrawal. Cannot be combined with any other offers. Minimum deposit of $25 required to open account.

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

Money Market

Rates effective May 24th, 2022

Positively Different Money Market			Positively Different Business Money Market
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*
$0.01 - 14,999.99	0.05%	0.05%	$0.01 - 14,999.99	0.05%	0.05%
$15,000 - 24,999.99	0.10%	0.10%	$15,000 - 24,999.99	0.10%	0.10%
$25,000 - 49,999.99	0.10%	0.10%	$25,000 - 49,999.99	0.10%	0.10%
$50,000 - 99,999.99	0.10%	0.10%	$50,000 - 99,999.99	0.10%	0.10%
$100,000 - 249,999.99	0.10%	0.10%	$100,000 - 249,999.99	0.10%	0.10%
$250,000 & up	0.10%	0.10%	$250,000 & up	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 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. Certificates of Deposit are subject to penalty for early withdrawal. Cannot be combined with any other offers. Minimum deposit of $25 required to open account.

Rates effective May 24th, 2022

Positively Different Money Market

With minimum daily balance of $0.01 - 14,999.99

What You Get

Interest

0.05%

APY*

0.05%

Positively Different Business Money Market

With minimum daily balance of $0.01 - 14,999.99

What You Get

Interest

0.05%

APY*

0.05%

Positively Different Money Market

With minimum daily balance of $15,000 - 24,999.99

What You Get

Interest

0.10%

APY*

0.10%

Positively Different Business Money Market

With minimum daily balance of $15,000 - 24,999.99

What You Get

Interest

0.10%

APY*

0.10%

Positively Different Money Market

With minimum daily balance of $25,000 - 49,999.99

What You Get

Interest

0.10%

APY*

0.10%

Positively Different Business Money Market

With minimum daily balance of $25,000 - 49,999.99

What You Get

Interest

0.10%

APY*

0.10%

Positively Different Money Market

With minimum daily balance of $50,000 - 99,999.99

What You Get

Interest

0.10%

APY*

0.10%

Positively Different Business Money Market

With minimum daily balance of $50,000 - 99,999.99

What You Get

Interest

0.10%

APY*

0.10%

Positively Different Money Market

With minimum daily balance of $100,000 - 249,999.99

What You Get

Interest

0.10%

APY*

0.10%

Positively Different Business Money Market

With minimum daily balance of $100,000 - 249,999.99

What You Get

Interest

0.10%

APY*

0.10%

Positively Different Money Market

With minimum daily balance of $250,000 & up

What You Get

Interest

0.10%

APY*

0.10%

Positively Different Business Money Market

With minimum daily balance of $250,000 & up

What You Get

Interest

0.10%

APY*

0.10%

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

Direct Interest Checking

Rates effective May 24th, 2022

Positively Direct Interest Checking
With a daily balance of	What you get
With a daily balance of	Interest Rate	APY*
At least $0.01	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 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. Certificates of Deposit are subject to penalty for early withdrawal. Cannot be combined with any other offers. Minimum deposit of $25 required to open account.

Rates effective May 24th, 2022

Positively Direct Interest Checking

With a minimum daily balance of at least $0.01

What You Get

Interest

0.10%

APY*

0.10%

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

Premium Interest Checking

Rates effective May 24th, 2022

Positively Premium Interest Checking
With a daily balance of	What you get
With a daily balance of	Interest Rate	APY*
$0.01 - 1,499.99	0.05%	0.05%
$1,500 & up	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 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. Certificates of Deposit are subject to penalty for early withdrawal. Cannot be combined with any other offers. Minimum deposit of $25 required to open account.

Rates effective May 24th, 2022

Positively Premium Interest Checking

With a minimum daily balance of $0.01 - 1,499.99

What You Get

Interest

0.05%

APY*

0.05%

With a minimum daily balance of $1,500 & up

What You Get

Interest

0.10%

APY*

0.10%

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

50+ Interest Checking

Rates effective May 24th, 2022

Positively 50+ Interest Checking
With a daily balance of	What you get
With a daily balance of	Interest Rate	APY*
At least $0.01	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 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. Certificates of Deposit are subject to penalty for early withdrawal. Cannot be combined with any other offers. Minimum deposit of $25 required to open account.

Rates effective May 24th, 2022

Positively 50+ Interest Checking

With a minimum daily balance of at least $0.01

What You Get

Interest

0.10%

APY*

0.10%

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

Certificates of Deposit (CDs)

Rates effective May 24th, 2022

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	0.15%	0.15%
6 months	$500	0.15%	0.15%
1 year	$500	0.20%	0.20%
18 month	$500	0.25%	0.25%
2 years	$500	0.25%	0.25%
3 years	$500	0.35%	0.35%
4 years	$500	0.35%	0.35%
5 years	$500	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 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.

Rates effective May 24th, 2022

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

0.15%

APY*

0.15%

Minimum deposit of $500, term of 6 months

What You Get

Interest

0.15%

APY*

0.15%

Minimum deposit of $500, term of 1 year

What You Get

Interest

0.20%

APY*

0.20%

Minimum deposit of $500, term of 18 months

What You Get

Interest

0.25%

APY*

0.25%

Minimum deposit of $500, term of 2 years

What You Get

Interest

0.25%

APY*

0.25%

Minimum deposit of $500, term of 3 years

What You Get

Interest

0.35%

APY*

0.35%

Minimum deposit of $500, term of 4 years

What You Get

Interest

0.35%

APY*

0.35%

Minimum deposit of $500, term of 5 years

What You Get

Interest

0.40%

APY*

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 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.

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

Business Account Rates

Money Market

Rates effective May 24th, 2022

Positively Different Money Market			Positively Different Business Money Market
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*
$0.01 - 14,999.99	0.05%	0.05%	$0.01 - 14,999.99	0.05%	0.05%
$15,000 - 24,999.99	0.10%	0.10%	$15,000 - 24,999.99	0.10%	0.10%
$25,000 - 49,999.99	0.10%	0.10%	$25,000 - 49,999.99	0.10%	0.10%
$50,000 - 99,999.99	0.10%	0.10%	$50,000 - 99,999.99	0.10%	0.10%
$100,000 - 249,999.99	0.10%	0.10%	$100,000 - 249,999.99	0.10%	0.10%
$250,000 & up	0.10%	0.10%	$250,000 & up	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 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. Certificates of Deposit are subject to penalty for early withdrawal. Cannot be combined with any other offers. Minimum deposit of $25 required to open account.

Rates effective May 24th, 2022

Positively Different Money Market

With minimum daily balance of $0.01 - 14,999.99

What You Get

Interest

0.05%

APY*

0.05%

Positively Different Business Money Market

With minimum daily balance of $0.01 - 14,999.99

What You Get

Interest

0.05%

APY*

0.05%

Positively Different Money Market

With minimum daily balance of $15,000 - 24,999.99

What You Get

Interest

0.10%

APY*

0.10%

Positively Different Business Money Market

With minimum daily balance of $15,000 - 24,999.99

What You Get

Interest

0.10%

APY*

0.10%

Positively Different Money Market

With minimum daily balance of $25,000 - 49,999.99

What You Get

Interest

0.10%

APY*

0.10%

Positively Different Business Money Market

With minimum daily balance of $25,000 - 49,999.99

What You Get

Interest

0.10%

APY*

0.10%

Positively Different Money Market

With minimum daily balance of $50,000 - 99,999.99

What You Get

Interest

0.10%

APY*

0.10%

Positively Different Business Money Market

With minimum daily balance of $50,000 - 99,999.99

What You Get

Interest

0.10%

APY*

0.10%

Positively Different Money Market

With minimum daily balance of $100,000 - 249,999.99

What You Get

Interest

0.10%

APY*

0.10%

Positively Different Business Money Market

With minimum daily balance of $100,000 - 249,999.99

What You Get

Interest

0.10%

APY*

0.10%

Positively Different Money Market

With minimum daily balance of $250,000 & up

What You Get

Interest

0.10%

APY*

0.10%

Positively Different Business Money Market

With minimum daily balance of $250,000 & up

What You Get

Interest

0.10%

APY*

0.10%

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

Business Checking

Rates effective May 24th, 2022

Positively Business Interest Checking
With a daily balance of	What you get
With a daily balance of	Interest Rate	APY*
At least $0.01	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 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. Certificates of Deposit are subject to penalty for early withdrawal. Cannot be combined with any other offers. Minimum deposit of $25 required to open account.

Rates effective May 24th, 2022

Positively Business Interest Checking

With a minimum daily balance of at least $0.01

What You Get

Interest

0.10%

APY*

0.10%

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