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Cape Ann Savings Bank Rates & Review November 2026

Q: What are the current interest rates at Cape Ann Savings Bank?

Current rates for Cape Ann Savings Bank include: 12-Month CD: 2.78%, 24-Month CD: 0.75%, 36-Month CD: 0.75%, 48-Month CD: 0.75%, 60-Month CD: 1.00%, Savings: 1.51%, MMA: 3.30%

Q: What CD terms does Cape Ann Savings Bank offer?

Cape Ann Savings Bank CD rates are 3.56% APY for a 6 month CD, 2.78% APY for a 9 month CD, 2.78% APY for a 12 month CD, 4.18% APY for a 2 year CD, 0.75% APY for a 3 year CD, 0.75% APY for a 4 year CD and 1.00% APY for a 5 year CD, verified by MonitorBankRates as of November 6, 2026. The institution may offer other terms or specials that are not listed here, so check with Cape Ann Savings Bank for its full lineup.

Q: How many branches does Cape Ann Savings Bank operate?

Cape Ann Savings Bank currently maintains approximately 4 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 6, 2026

Cape Ann Savings Bank's CD - 1 1/2 Year rates are at 4.18%, CD - 6-Month rates are at 3.56%, CD - 1 Year rates are at 2.78%, CD - 9-Month rates are at 2.78%, CD - 5 Years rates are at 1.00%. Cape Ann Savings Bank's savings rates are at 1.51%. Cape Ann Savings Bank's money market rates are at 3.30%. Cape Ann Savings Bank's checking rates are as high as 2.00%. Cape Ann Savings Bank's CASB Fixed Rate Mortgage - Fixed Rate rates are at 5.75%, CASB Fixed Rate Mortgage 10-yr rates are at 5.75%, CASB Fixed Rate Mortgage 15-yr rates are at 6.00%, CASB Fixed Rate Mortgage 20-yr rates are at 6.25%, First-Time Homebuyer Mortgage Program - 30 Year Fixed rates are at 6.375%. Cape Ann Savings Bank's top CD rate of 4.18% APY on a 2 year CD is 42% higher than the MonitorBankRates national average of 2.94% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Cape Ann Savings Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.00%. Rates last updated and verified on 11/06/2026.

Cape Ann Savings Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Cape Ann Savings Bank? Share your experience about Cape Ann Savings Bank by leaving a review below, or read customer reviews before you decide to use Cape Ann Savings Bank.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.00%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Cape Ann Savings Bank

109 Main St
Gloucester, MA 01930

https://www.capeannsavings.bank

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Cape Ann Savings Bank CD Rates

Product	Rate	APY	Term
CD - 1 1/2-Year	4.10%	4.18%	1 1/2 Year
Min Balance $500 Details Minimum Daily Balance*; aggregate maximum total deposit balance limit of $5,000,000.00 per primary tax owner for this product Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 4.18% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
IRA CD - 1 1/2-Year	4.10%	4.18%	1 1/2 Year
Min Balance $500 Details Aggregate maximum total deposit balance limit of $5,000,000.00 per primary tax owner; minimum daily balance to open account and earn APY Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 4.18% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
CD - 13-Month - Special	4.02%	4.10%	13 Month
Min Balance $500 Details Minimum Daily Balance*; aggregate maximum total deposit balance limit of $5,000,000.00 per primary tax owner for this product Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 4.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
IRA CD - 13-Month Special	4.02%	4.10%	13 Months
Min Balance $500 Details Special product; aggregate maximum total deposit balance limit of $5,000,000.00 per primary tax owner; early withdrawal penalty may apply; minimum daily balance to open account and earn APY Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 4.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
CD - 6-month	3.50%	3.56%	6 Months
Min Balance $500 Details Minimum Daily Balance; To open account and earn the annual percentage yield (APY) Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 3.56% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
IRA CD - 6-month	3.50%	3.56%	6 Months
Min Balance $500 Details Minimum daily balance to open account and earn APY Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 3.56% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
CD - 1-Year	2.75%	2.78%	1 Year
Min Balance $500 Details Minimum Daily Balance; To open account and earn the annual percentage yield (APY) Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 2.78% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
CD - 9-month	2.75%	2.78%	9 Months
Min Balance $500 Details Minimum Daily Balance; To open account and earn the annual percentage yield (APY) Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 2.78% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
IRA CD - 1-Year	2.75%	2.78%	1 Year
Min Balance $500 Details Minimum daily balance to open account and earn APY Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 2.78% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
IRA CD - 9-month	2.75%	2.78%	9 Months
Min Balance $500 Details Minimum daily balance to open account and earn APY Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 2.78% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
CD - 5-Years	1.00%	1.00%	5 Years
Min Balance $500 Details Minimum Daily Balance; To open account and earn the annual percentage yield (APY) Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
IRA CD - 5-Years	1.00%	1.00%	5 Years
Min Balance $500 Details Minimum daily balance to open account and earn APY Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
CD - 2 1/2-Years	0.75%	0.75%	2 1/2 Years
Min Balance $500 Details Minimum Daily Balance; To open account and earn the annual percentage yield (APY) Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 0.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
CD - 2-Years	0.75%	0.75%	2 Years
Min Balance $500 Details Minimum Daily Balance; To open account and earn the annual percentage yield (APY) Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 0.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
CD - 3-Years	0.75%	0.75%	3 Years
Min Balance $500 Details Minimum Daily Balance; To open account and earn the annual percentage yield (APY) Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 0.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
CD - 4-Years	0.75%	0.75%	4 Years
Min Balance $500 Details Minimum Daily Balance; To open account and earn the annual percentage yield (APY) Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 0.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
IRA CD - 2 1/2-Years	0.75%	0.75%	2 1/2 Years
Min Balance $500 Details Minimum daily balance to open account and earn APY Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 0.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
IRA CD - 2-Years	0.75%	0.75%	2 Years
Min Balance $500 Details Minimum daily balance to open account and earn APY Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 0.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
IRA CD - 3-Years	0.75%	0.75%	3 Years
Min Balance $500 Details Minimum daily balance to open account and earn APY Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 0.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
IRA CD - 4-Years	0.75%	0.75%	4 Years
Min Balance $500 Details Minimum daily balance to open account and earn APY Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 0.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%

Cape Ann Savings Bank Savings Rates

Product	Rate	APY
Lighthouse Savings Account	1.50%	1.51%
Min Deposit $15,000 Min Balance $15,000 Details Balance: Equal to or greater than $15,000.00 Last Updated 11/06/2026 Rate History No change since Oct 7, 2026 · 1.51% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Individual Retirement Account (IRA) Savings	0.50%	0.50%
Min Balance $10 Details Variable rate account; Balance: Minimum Daily Balance $10.00 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Lighthouse Savings Account	0.50%	0.50%
Min Deposit $15,000 Min Balance $0 Details Balance: Below $15,000.00 Last Updated 11/06/2026 Rate History No change since Oct 7, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Statement Savings Account	0.50%	0.50%
Min Balance $10 Details Variable rate account; Balance: Minimum Daily Balance $10.00 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Christmas Club Account	0.25%	0.25%
Min Balance $0 Details Variable rate account; Balance: Minimum Daily Balance $0.00 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Passbook Savings Account	0.25%	0.25%
Min Balance $10 Details Variable rate account; Balance: Minimum Daily Balance $10.00 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%

Cape Ann Savings Bank Business Savings Rates

Product	Rate	APY	View More
Business Statement Savings Account	0.25%	0.25%
Min Balance $10 Details Minimum Daily Balance*: $10.00 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%

Cape Ann Savings Bank Money Market Rates

Product	Rate	APY
Lighthouse Personal Money Market Account	2.25%	2.27%
Min Balance $1,000,000 Details Balance: Equal to or greater than $1,000,000.00 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 2.27% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Lighthouse Personal Money Market Account	2.00%	2.02%
Min Balance $250,000 Details Balance: Equal to or greater than $250,000.00 but less than $1,000,000.00 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 2.02% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Money Market Account	2.00%	2.02%
Min Balance $250,000 Details Balance: $250,000.00 - $999,999.99 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 2.02% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Money Market Account	2.00%	2.02%
Min Balance $1,000,000 Details Balance: $1,000,000.00 and over Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 2.02% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Lighthouse Personal Money Market Account	1.75%	1.76%
Min Balance $100,000 Details Balance: Equal to or greater than $100,000.00 but less than $250,000.00 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 1.76% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Lighthouse Personal Money Market Account	1.25%	1.26%
Min Balance $15,000 Details Balance: Equal to or greater than $15,000.00 but less than $100,000.00 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 1.26% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Money Market Account	0.25%	0.25%
Min Balance $10 Details Balance: $10.00 - $499.99 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Money Market Account	0.25%	0.25%
Min Balance $500 Details Balance: $500.00 - $249,999.99 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%

Cape Ann Savings Bank Business Money Market Rates

Product	Rate	APY
Lighthouse Business Money Market Account	3.25%	3.30%
Min Deposit $50,000 Min Balance $1,500,000 Details Balance: Equal to or greater than $1,500,000.00; Variable rate account Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 3.30% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Lighthouse Business Money Market Account	2.50%	2.53%
Min Deposit $50,000 Min Balance $500,000 Details Balance: Equal to or greater than $500,000.00 but less than $1,500,000.00; Variable rate account Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 2.53% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Lighthouse Business Money Market Account	2.25%	2.27%
Min Deposit $50,000 Min Balance $50,000 Details Balance: Equal to or greater than $50,000.00 but less than $500,000.00; Variable rate account Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 2.27% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Business Money Market Account	2.00%	2.02%
Min Deposit $500 Min Balance $250,000 Details Balance: Equal to or greater than $250,000.00; Minimum $500.00 deposit to open; Variable rate account Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 2.02% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Business Money Market Account	0.25%	0.25%
Min Deposit $500 Min Balance $500 Details Balance: Equal to or greater than $500.00 but less than $10,000.00; Minimum $500.00 deposit to open; Variable rate account Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Business Money Market Account	0.25%	0.25%
Min Deposit $500 Min Balance $10,000 Details Balance: Equal to or greater than $10,000.00 but less than $50,000.00; Minimum $500.00 deposit to open; Variable rate account Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Business Money Market Account	0.25%	0.25%
Min Deposit $500 Min Balance $50,000 Details Balance: Equal to or greater than $50,000.00 but less than $250,000.00; Minimum $500.00 deposit to open; Variable rate account Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Lighthouse Business Money Market Account	0.25%	0.25%
Min Deposit $50,000 Min Balance $0 Details Balance: Equal to or greater than $0.00 but less than $50,000.00; Variable rate account Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Business Money Market Account	0.00%	0.00%
Min Deposit $500 Min Balance $0 Details Balance: Equal to or greater than $0.00 but less than $500.00; Minimum $500.00 deposit to open; Variable rate account; Interest not paid in any statement cycle where balance falls below $500.00 Last Updated 11/06/2026 Rate History 1 change since Sep 24, 2026 · 2.00% → 0.25% ▼ 1.75 pts · high 2.00% / low 0.25% Sep 27, 20260.25%▼ from 2.00% Sep 24, 20262.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%

Cape Ann Savings Bank Checking Rates

Product	Rate	APY
Kasasa Cash Checking	1.98%	2.00%
Min Deposit $10 Min Balance $0 Details Balance: .01 - $10,000.00; Qualifying balance up to $10,000.00; Non qualifying accounts; Rewards Checking Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 2.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Classic Checking	-	0.25%
Min Deposit $10 Details Free Checking; 0.25% APY on entire balance of $10 or more; Minimum balance requirement:; Fees: Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%

Cape Ann Savings Bank Business Checking Rates

Product	Rate	APY	View More
Business Sole Proprietor / Non-Profit Organization Classic Checking Account	0.25%	0.25%
Min Balance $10 Details Minimum Daily Balance: $10.00 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%

Cape Ann Savings Bank Mortgage Rates

Product	Rate	Points	APR	Term
CASB Fixed Rate Mortgage - Fixed Rate	5.75%	0.00%	5.87%	10-yr
Details Minimum loan $40,000.00; Minimum down payment 5% (own funds); Available for 1-4 family owner occupied properties only Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 5.87% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
CASB Fixed Rate Mortgage 10-yr	5.75%	0.00%	5.87%	10-yr
Details Fixed rate mortgage; minimum loan $40,000.00; minimum down payment 5% (own funds) Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 5.87% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
CASB Fixed Rate Mortgage - Fixed Rate	6.00%	0.00%	6.09%	15-yr
Details Minimum loan $40,000.00; Minimum down payment 5% (own funds); Available for 1-4 family owner occupied properties only Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 6.09% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
CASB Fixed Rate Mortgage 15-yr	6.00%	0.00%	6.09%	15-yr
Details Fixed rate mortgage; minimum loan $40,000.00; minimum down payment 5% (own funds) Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 6.09% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
CASB Fixed Rate Mortgage - Fixed Rate	6.25%	0.00%	6.32%	20-yr
Details Minimum loan $40,000.00; Minimum down payment 5% (own funds); Available for 1-4 family owner occupied properties only Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 6.32% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
CASB Fixed Rate Mortgage 20-yr	6.25%	0.00%	6.32%	20-yr
Details Fixed rate mortgage; minimum loan $40,000.00; minimum down payment 5% (own funds) Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 6.32% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
First-Time Homebuyer Mortgage Program - 30 Year Fixed	6.375%	0.00%	6.43%	30 Year
Details Fixed Rate; First-Time Homebuyer Mortgage Program; rates as of 10-21-2026 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 6.43% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
First-Time Homebuyer Mortgage Program - Fixed Rate	6.375%	0.00%	6.43%	30 Year
Details Rates as of 10-21-2026; APR based on 20% down payment without Private Mortgage Insurance Last Updated 11/06/2026 Rate History 1 change since Sep 15, 2026 · 6.18% → 6.43% ▲ 0.25 pts · high 6.43% / low 6.18% Sep 24, 20266.43%▲ from 6.18% Sep 15, 20266.18%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
CASB Fixed Rate Mortgage - Fixed Rate	6.625%	0.00%	6.68%	30-yr
Details Minimum loan $40,000.00; Minimum down payment 5% (own funds); Available for 1-4 family owner occupied properties only Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 6.68% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
CASB Fixed Rate Mortgage 30-yr	6.625%	0.00%	6.68%	30-yr
Details Fixed rate mortgage; minimum loan $40,000.00; minimum down payment 5% (own funds) Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 6.68% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
7/1 ARM	6.375%	0.00%	6.93%	30 Years
Details Adjustable Rate Mortgages; Caps: 1/1/5; Fully Indexed Rate: 7.500% Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 6.93% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Adjustable Rate Mortgage - 7/1 ARM	6.375%	0.00%	6.93%	30 Years
Details Caps: 1/1/5; Fully Indexed Rate: 7.500%; 1% rate cap per adjustment; 5% lifetime rate cap Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 6.93% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
10/1 ARM	6.625%	0.00%	6.94%	30 Years
Details Adjustable Rate Mortgages; Caps: 1/1/5; Fully Indexed Rate: 7.500% Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 6.94% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Adjustable Rate Mortgage - 10/1 ARM	6.625%	0.00%	6.94%	30 Years
Details Caps: 1/1/5; Fully Indexed Rate: 7.500%; 1% rate cap per adjustment; 5% lifetime rate cap Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 6.94% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
5/1 ARM	6.125%	0.00%	6.95%	30 Years
Details Adjustable Rate Mortgages; Caps: 1/1/5; Fully Indexed Rate: 7.500% Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 6.95% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Adjustable Rate Mortgage - 5/1 ARM	6.125%	0.00%	6.95%	30 Years
Details Caps: 1/1/5; Fully Indexed Rate: 7.500%; 1% rate cap per adjustment; 5% lifetime rate cap Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 6.95% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
3/1 ARM	6.00%	0.00%	7.10%	30 Years
Details Adjustable Rate Mortgages; Caps: 1/1/5; Fully Indexed Rate: 7.500% Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 7.10% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Adjustable Rate Mortgage - 3/1 ARM	6.00%	0.00%	7.10%	30 Years
Details Caps: 1/1/5; Fully Indexed Rate: 7.500%; 1% rate cap per adjustment; 5% lifetime rate cap Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 7.10% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%

Cape Ann Savings Bank Other Rates

Product	Rate	Points	APY/APR	Term
IRA Certificate of Deposit - 13 Months - Special	4.02%	-	4.10%	13 Months
Min Balance $500 Details Special; aggregate maximum total deposit balance limit of $5,000,000.00 per primary tax owner; Minimum Daily Balance to earn APY Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 4.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Kasasa Saver Savings	0.05%	-	0.05%
Min Balance $0 Details Qualifications Required: Must be linked to a Kasasa Checking Account; Balance: .01 and over; Minimum Daily Balance: Last Updated 11/06/2026 Rate History No change since Oct 7, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Kasasa Saver Savings	0.99%	-	1.00%
Min Balance $1 Details Balance: 01 - $25,000.00; Must be linked to a Kasasa Checking Account; Minimum Daily Balance: Last Updated 11/06/2026 Rate History No change since Sep 27, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%
Kasasa Saver Savings	0.05%	-	0.05%
Min Balance $0 Details Balance: .01 and over; Must be linked to a Kasasa Checking Account; Non qualifying account; Minimum to open account is $10.00 Last Updated 11/06/2026 Rate History No change since Oct 7, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.00%

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Financial Health History

Cape Ann Savings Bank’s Texas Ratio stayed near 1.84% in Q3 2023 to 2.00% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.1B	2.00%	5.0	A+
March 31, 2026	$1.1B	1.51%	5.0	A+
December 31, 2025	$1.0B	1.87%	5.0	A+
September 30, 2025	$1.0B	1.47%	5.0	A+
June 30, 2025	$998M	1.58%	5.0	A+
March 31, 2025	$979M	1.84%	5.0	A+
December 31, 2024	$992M	1.70%	5.0	A+
September 30, 2024	$1.0B	1.94%	5.0	A+
June 30, 2024	$972M	1.59%	5.0	A+
March 31, 2024	$972M	1.61%	5.0	A+
December 31, 2023	$954M	1.82%	5.0	A+
September 30, 2023	$919M	1.84%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Cape Ann Savings Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Cape Ann Savings Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Cape Ann Savings Bank's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Cape Ann Savings Bank

Website https://www.capeannsavings.bank

Address 109 Main St, Gloucester, MA 01930 · Essex

FDIC Certificate # 90203

Regulator FDIC

Established April 15, 1846

FDIC Insurance Date October 22, 1985

Domestic Offices 4

Total Branches 4

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.00%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.7151%

Return on Equity (ROE)

8.5200%

Non-Performing Loans Ratio (NPL)

0.40%

Total Assets

$1,069,781,000

Total Deposits

$804,819,000

Equity Capital

$216,537,000

Net Income

$9,043,000

Headquarters

Gloucester

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

Cape Ann Savings Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Cape Ann Savings Bank

Does Cape Ann Savings Bank offer CDs?

Yes. Cape Ann Savings Bank current CD rates include its CD - 1 1/2 Year at 4.18% APY, its CD - 6-Month at 3.56% APY and its CD - 1 Year at 2.78% APY, verified by MonitorBankRates as of November 6, 2026.

Are CDs from Cape Ann Savings Bank FDIC insured?

Yes. Cape Ann Savings Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Cape Ann Savings Bank?

The highest Cape Ann Savings Bank CD rate is its Certificate of Deposit - 1 1/2 Year at 4.18% APY, verified by MonitorBankRates as of November 6, 2026.

What CD terms does Cape Ann Savings Bank offer?

Cape Ann Savings Bank CD rates are 3.56% APY for a 6 month CD, 2.78% APY for a 9 month CD, 2.78% APY for a 12 month CD, 4.18% APY for a 2 year CD, 0.75% APY for a 3 year CD, 0.75% APY for a 4 year CD and 1.00% APY for a 5 year CD, verified by MonitorBankRates as of November 6, 2026. The institution may offer other terms or specials that are not listed here, so check with Cape Ann Savings Bank for its full lineup.

What is the highest savings rate at Cape Ann Savings Bank?

The highest Cape Ann Savings Bank savings rate is its Lighthouse Savings Account at 1.51% APY, verified by MonitorBankRates as of November 6, 2026.

What is the highest money market rate at Cape Ann Savings Bank?

The highest Cape Ann Savings Bank money market rate is its Lighthouse Business Money Market Account at 3.30% APY, verified by MonitorBankRates as of November 6, 2026.

What is the highest checking rate at Cape Ann Savings Bank?

The highest Cape Ann Savings Bank checking rate is its Kasasa Cash Checking at 2.00% APY, verified by MonitorBankRates as of November 6, 2026.

What is the lowest 30 year fixed mortgage rate at Cape Ann Savings Bank?

The lowest Cape Ann Savings Bank 30 year fixed mortgage rate is its First-Time Homebuyer Mortgage Program - 30 Year Fixed at 6.375%, verified by MonitorBankRates as of November 6, 2026. Cape Ann Savings Bank mortgage rates are 6.375% for a 30 year mortgage, 6.25% for a 20 year mortgage, 6.00% for a 15 year mortgage, 5.75% for a 10 year mortgage, 6.00% for a 3/1 ARM, 6.125% for a 5/1 ARM, 6.375% for a 7/1 ARM and 6.625% for a 10/1 ARM.

How many branches does Cape Ann Savings Bank operate?

Cape Ann Savings Bank currently maintains approximately 4 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Cape Ann Savings Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Cape Ann Savings Bank provides members with tools to manage their accounts and build a solid financial history.

Does Cape Ann Savings Bank offer online and mobile banking?

Most modern institutions like Cape Ann Savings Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.capeannsavings.bank.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Cape Ann Savings Bank rates compare?

Cape Ann Savings Bank's top CD rate of 4.18% APY on a 2 year CD is 42% higher than the MonitorBankRates national average of 2.94% APY for that term, and it has an A+ health rating. Cape Ann Savings Bank's top rates are its Certificate of Deposit - 1 1/2 Year at 4.18% APY, its Lighthouse Savings Account at 1.51% APY, its Lighthouse Business Money Market Account at 3.30% APY, its Kasasa Cash Checking at 2.00% APY and its CASB Fixed Rate Mortgage - Fixed Rate at 5.75%, verified by MonitorBankRates on November 6, 2026.

Current Cape Ann Savings Bank Rates

12-Month CD2.78%
24-Month CD0.75%
36-Month CD0.75%
48-Month CD0.75%
60-Month CD1.00%
Savings1.51%
MMA3.30%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Banks

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Cape Ann Savings Bank Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Cape Ann Savings Bank Texas Ratio

Cape Ann Savings Bank Health Trend

Cape Ann Savings Bank CD Rates

Cape Ann Savings Bank Savings Rates

Cape Ann Savings Bank Business Savings Rates

Cape Ann Savings Bank Money Market Rates

Cape Ann Savings Bank Business Money Market Rates

Cape Ann Savings Bank Checking Rates

Cape Ann Savings Bank Business Checking Rates

Cape Ann Savings Bank Mortgage Rates

Cape Ann Savings Bank Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

Cape Ann Savings Bank earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Cape Ann Savings Bank

Does Cape Ann Savings Bank offer CDs?

Are CDs from Cape Ann Savings Bank FDIC insured?

What is the highest CD rate at Cape Ann Savings Bank?

What CD terms does Cape Ann Savings Bank offer?

What is the highest savings rate at Cape Ann Savings Bank?

What is the highest money market rate at Cape Ann Savings Bank?

What is the highest checking rate at Cape Ann Savings Bank?

What is the lowest 30 year fixed mortgage rate at Cape Ann Savings Bank?

How many branches does Cape Ann Savings Bank operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Cape Ann Savings Bank offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Cape Ann Savings Bank rates compare?

Current Cape Ann Savings Bank Rates

Compare to Other Banks