The Cape Cod Five is a member of both the Federal Deposit Insurance Corporation (FDIC) and the Depositors Insurance Fund (DIF), this provides full insurance for our customers’ deposits and accrued interest without limit or exception. The FDIC insures all deposits up to $100,000 per depositor except self-directed retirement accounts, which are insured up to $250,000 per depositor. All deposit amounts above the FDIC limits are insured in full by the Depositors Insurance Fund.