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Deposit Rates
Savings
Rates effective September 29th, 2023
| Positively Different Savings | ||
|---|---|---|
| With a daily balance of | What you get | |
| Interest Rate | APY* | |
| At least $10.00 | 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, except for Premier Savings Account which requires a minimum deposit of $1,000 to open. | ||
Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF). All deposits are insured in full.
Money Market
Rates effective September 29th, 2023
| Positively Different Money Market | ||
|---|---|---|
| With a daily balance of | What you get | |
| Interest Rate | APY* | |
| $0.01 - 14,999.99 | 0.50% | 0.50% |
| $15,000 - 24,999.99 | 0.50% | 0.50% |
| $25,000 - 49,999.99 | 0.50% | 0.50% |
| $50,000 - 99,999.99 | 0.50% | 0.50% |
| $100,000 - 249,999 | 0.50% | 0.50% |
| $250,000 & up | 0.50% | 0.50% |
| * 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, except for Premier Savings Account which requires a minimum deposit of $1,000 to open. | ||
Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF). All deposits are insured in full.
Premier Money Market
Rates effective September 29th, 2023
| Premier Money Market | ||
|---|---|---|
| With a daily balance of | What you get | |
| Interest Rate | APY* | |
| $0.01 - 24,999.99 | 1.24% | 1.25% |
| $25,000 - 99,999.99 | 1.24% | 1.25% |
| $100,000 - 249,999 | 1.74% | 1.75% |
| $250,000 - 499,999.99 | 2.72% | 2.75% |
| $500,000 - 999,999.99 | 2.96% | 3.00% |
| $1,000,000 & up | 3.45% | 3.50% |
| * 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, except for Premier Savings Account which requires a minimum deposit of $1,000 to open. | ||
Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF). All deposits are insured in full.
Rates effective September 29th, 2023
| Positively Direct Interest Checking | ||
|---|---|---|
| With a daily balance of | What you get | |
| Interest Rate | APY* | |
| At least $10.00 | 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, except for Premier Savings Account which requires a minimum deposit of $1,000 to open. | ||
Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF). All deposits are insured in full.
Premium Interest Checking
Rates effective September 29th, 2023
| Positively Premium Interest Checking | ||
|---|---|---|
| With a daily balance of | What you get | |
| 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, except for Premier Savings Account which requires a minimum deposit of $1,000 to open. | ||
Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF). All deposits are insured in full.
50+ Interest Checking
Rates effective September 29th, 2023
| Positively 50+ Interest Checking | ||
|---|---|---|
| With a daily balance of | What you get | |
| Interest Rate | APY* | |
| At least $10.00 | 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, except for Premier Savings Account which requires a minimum deposit of $1,000 to open. | ||
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 September 29th, 2023
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 | |
| Interest Rate | APY* | ||
| 3 months | $500 | 2.23% | 2.25% |
| 6 months | $500 | 2.23% | 2.25% |
| 9 months** | $10,000 | 4.41% | 4.50% |
| 1 year | $500 | 2.96% | 3.00% |
| 18 months | $500 | 2.23% | 2.25% |
| 2 years | $500 | 2.23% | 2.25% |
| 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. **The 9-Month CD is available to both new and existing consumer and business clients of the Bank; however, 100% of the opening deposit must be new money not already on deposit with The Cooperative Bank of Cape Cod within the last 30 days. Minimum opening deposit to earn stated APY is $10,000 for the 9-Month CD. |
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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 September 29th, 2023
| Positively Different Business Money Market | ||
|---|---|---|
| With a daily balance of | What you get | |
| Interest Rate | APY* | |
| $0.01 - 24,999.99 | 1.00% | 1.00% |
| $25,000 - 99,999.99 | 1.24% | 1.25% |
| $100,000 - 249,999.99 | 1.24% | 1.25% |
| $250,000 - 499,999.99 | 1.98% | 2.00% |
| $500,000 - 999,999.99 | 1.98% | 2.00% |
| $1,000,000 & up | 1.98% | 2.00% |
| * 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 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, except for Premier Savings Account which requires a minimum deposit of $1,000 to open. | ||
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 September 29th, 2023
| Non Profit Money Market | ||
|---|---|---|
| With a daily balance of | What you get | |
| Interest Rate | APY* | |
| $0.01 - 24,999.99 | 3.45% | 3.50% |
| $25,000 - 99,999.99 | 3.45% | 3.50% |
| $100,000 - 249,999.99 | 3.45% | 3.50% |
| $250,000 - 499,999.99 | 3.45% | 3.50% |
| $500,000 - 999,999.99 | 3.45% | 3.50% |
| $1,000,000 & up | 3.45% | 3.50% |
| * 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. 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 September 29th, 2023
| Positively Business Interest Checking | ||
|---|---|---|
| With a daily balance of | What you get | |
| Interest Rate | APY* | |
| At least $10.00 | 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, except for Premier Savings Account which requires a minimum deposit of $1,000 to open. | ||
Deposits insured by Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF). All deposits are insured in full.
Business Savings
Rates effective September 29th, 2023
| Positively Different Business Savings | ||
|---|---|---|
| With a daily balance of | What you get | |
| Interest Rate | APY* | |
| At least $10.00 | 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, except for Premier Savings Account which requires a minimum deposit of $1,000 to open. | ||
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 September 29th, 2023
| Home Equity Loan - 20 Year Fixed Rate | ||||
|---|---|---|---|---|
| Rate | Points | APR | Lock Period | Payment per Thousand |
| 9.250% | 0 | 9.468% | 50 Days | $9.16 |
| Home Equity Loan - 15 Year Fixed Rate | ||||
| Rate | Points | APR | Lock Period | Payment per Thousand |
| 9.000% | 0 | 9.259% | 50 Days | $10.14 |
| Home Equity Line of Credit (HELOC) | ||||
| APR | APR (w/ Auto Pay) | Lock Period | Comments/Conditions | |
| 9.000% Prime + .50% | 8.500% Prime + 0.0% | 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
Contact a Lender Today
Get started on your mortgage loan today! You can begin the application process or contact one of our loan officers for more information.
Consumer Loan Rates
Personal Loans
Rates effective September 29th, 2023
| Personal Loans | |||||
|---|---|---|---|---|---|
| Amount | Annual Percentage Rate (APR)* | Term | Payment Per Thousand | APR with AutoPay | Payment Per Thousand with AutoPay |
| 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 Personal Loans rates are subject to change without notice | |||||
Rates effective September 29th, 2023
| CapeLife Special Personal Loans | |||||
|---|---|---|---|---|---|
| Amount | Annual Percentage Rate (APR)* | Term | Payment Per Thousand | APR with AutoPay | Payment Per Thousand with AutoPay |
| $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 CapeLife Special Personal Loans rates are subject to change without notice | |||||
Time Notes
Rates effective September 29th, 2023
| 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 | |||