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Deposit Rates
Savings
Rates effective July 5th, 2025
| Positively Different Savings | ||
|---|---|---|
| With a daily balance of | What you get | |
| 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. | ||
Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF). All deposits are insured in full.
Money Market
Rates effective July 5th, 2025
| Positively Different Money Market | ||
|---|---|---|
| With a daily balance of | What you get | |
| 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. | ||
Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF). All deposits are insured in full.
Premier Money Market
Rates effective July 5th, 2025
| Premier Money Market | ||
|---|---|---|
| With a daily balance of | What you get | |
| 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. | ||
Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF). All deposits are insured in full.
SmartRate Checking
Rates effective July 5th, 2025
| SmartRate Checking | ||
|---|---|---|
| With a daily balance of | What you get | |
| 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.
Rates effective July 5th, 2025
| Positively Direct Interest Checking | ||
|---|---|---|
| With a daily balance of | What you get | |
| 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. | ||
Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF). All deposits are insured in full.
Premium Interest Checking
Rates effective July 5th, 2025
| Positively Premium Interest Checking | ||
|---|---|---|
| With a daily balance of | What you get | |
| Interest Rate | APY* | |
| $0 - 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 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. | ||
Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF). All deposits are insured in full.
50+ Interest Checking
Rates effective July 5th, 2025
| Positively 50+ Interest Checking | ||
|---|---|---|
| With a daily balance of | What you get | |
| 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. | ||
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 July 5th, 2025
| 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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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 July 5th, 2025
| Positively Different Business Money Market | ||
|---|---|---|
| With a daily balance of | What you get | |
| 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. | ||
Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF). All deposits are insured in full.
Non Profit Money Market
Rates effective July 5th, 2025
| Non Profit Money Market | ||
|---|---|---|
| With a daily balance of | What you get | |
| 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. | ||
Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF). All deposits are insured in full.
Business Checking
Rates effective July 5th, 2025
| Positively Business Interest Checking | ||
|---|---|---|
| With a daily balance of | What you get | |
| 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. | ||
Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF). All deposits are insured in full.
Business Savings
Rates effective July 5th, 2025
| Positively Different Business Savings | ||
|---|---|---|
| With a daily balance of | What you get | |
| 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. | ||
Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF). All deposits are insured in full.
Mortgage Rates
Home Equity Loans & Lines of Credit
Rates effective July 5th, 2025
| Home Equity Loan - 20 Year Fixed Rate | |||||
|---|---|---|---|---|---|
| APR | Points | APR (w/ Auto Pay) | Lock Period | Payment per Thousand (w/ Auto Pay) | Payment per Thousand |
| 8.750% | 0 | 8.500% | 55 Days | $8.71 | $9.00 |
| Home Equity Loan - 15 Year Fixed Rate | |||||
| APR | Points | APR (w/ Auto Pay) | Lock Period | Payment per Thousand (w/ Auto Pay) | Payment per Thousand |
| 8.500% | 0 | 8.250% | 55 Days | $9.74 | $9.99 |
| Home Equity Line of Credit (HELOC) | |||||
| APR | APR (w/ Auto Pay) | Lock Period | Comments/Conditions | ||
| 8.000% Prime + .500% | 7.500% Prime | 55 Days | No minimum draw required at closing. APR subject to Prime rate. See important disclosures and assumptions | ||
See Important Disclosures, Assumptions and APR Information
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Personal Loans
Rates effective July 5th, 2025
| Personal Loans | |||||
|---|---|---|---|---|---|
| Loan Type | Annual Percentage Rate (APR)* | Term | Minimum Amount | Maximum Amount | Payment Per Thousand |
| Personal Unsecured Loan | 15.00% | Up to 5 Years | $1,000 | $25,000 | $23.79 |
| Storm Loan | 12.00% | Up to 7 Years | $1,000 | $25,000 | $17.65 |
| Sewer, Septic, or Water Loan | 12.00% | Up to 7 Years | $5,000 | $25,000 | $17.65 |
| Personal Gap Loan | 15.00% | Up to 180 Days | $1,000 | $25,000 | $23.79 |
| Energy Efficiency Loan | 0.00% | Up to 7 Years | $500 | $25,000 | $0.00 |
| *The Personal Loans rates are subject to change without notice | |||||
Time Notes
Rates effective July 5th, 2025
| Time Notes | |||
|---|---|---|---|
| Amount | Annual Percentage Rate (APR)* | Term | Payment Per Thousand |
| $500 - $20,000 | 15.00% | 90 days | $341.70 |
| 16.00% | 180 days | $174.53 | |
| *The Time Notes rates are subject to change without notice | |||