Bank · FDIC insured
Cambridge Savings Bank CD Rates
Cambridge Savings Bank’s best CD rate is 4.10% APY on a 10-month CD. Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Cambridge Savings Bank’s CD rates compare
Compared with banks and credit unions near Boston, MA-NH, where Cambridge Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
Cambridge Savings Bank
4.10%APY
- Term
- 10 months
- Minimum
- $1,000
- Earns on $10,000
- $341
10 Month Special CD
Top rate
RiverWorks Credit Union
4.80%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $237
2nd-highest rate
Arise Financial
4.75%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,494
Cambridge Savings Bank CD score
87
CD score
Higher than 76% of U.S. banks and credit unions
- 3–8 months3–8 mo3.85%
- 9–15 months9–15 mo4.10%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo2.25%
- QualifiedQualified4.10%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Cambridge Savings Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
10 Month Special CD
4.10%APY · 1 term
Must live or work in Massachusetts to take advantage of this CD Special. Available for new money only, not currently on deposit with CSB. Monthly compounding with funds held to maturity. Additional deposits to CDs are not permitted. Substantial penalties for early withdrawals may be imposed.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 10 monthsNew money only, not currently on deposit with CSB. $10 minimum daily balance required to earn APY. Monthly compounding | 4.10% | $341 |
Sources (1)
- cambridgesavings.com/cd-accounts · captured Oct 5, 2026
19 Month Special CD
4.00%APY · 1 term
Must live or work in Massachusetts to take advantage of this CD Special. Monthly compounding with funds held to maturity. Additional deposits to CDs are not permitted. Includes a one-time option to bump your rate to a higher rate currently offered for this exact same term. Substantial penalties for early withdrawals may be imposed.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 19 months$10 minimum daily balance required to earn APY. Monthly compounding. Includes a one-time rate bump-up option | 4.00% | $641 |
Sources (1)
- cambridgesavings.com/cd-accounts · captured Oct 5, 2026
4 Month Special CD
3.85%APY · 1 term
Must live or work in Massachusetts to take advantage of this CD Special. Available for new money only, not currently on deposit with CSB. Monthly compounding with funds held to maturity. Additional deposits to CDs are not permitted. Substantial penalties for early withdrawals may be imposed.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 4 monthsNew money only, not currently on deposit with CSB. $10 minimum daily balance required to earn APY. Monthly compounding | 3.85% | $127 |
Sources (1)
- cambridgesavings.com/cd-accounts · captured Oct 5, 2026
18 Month Special CD
3.50%APY · 1 term
Must live or work in Massachusetts or New Hampshire (if in Maine, visit branch or call). Monthly compounding with funds held to maturity. No additional deposits permitted. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 months$10 minimum daily balance to earn APY. Monthly compounding | 3.50% | $530 |
Sources (1)
- cambridgesavings.com/cd-accounts · captured Sep 18, 2026
Certificates of Deposit
Up to 3.25%APY · 7 terms
Must live or work in Massachusetts or New Hampshire (if in Maine, visit a branch or call). Monthly compounding with interest remaining on deposit until maturity. After the account has been opened no additional deposits are permitted. Substantial penalties for early withdrawal may be imposed.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months$10 minimum daily balance required to earn APY. Monthly compounding | 3.00% | $74 |
| 6 months$10 minimum daily balance required to earn APY. Monthly compounding | 3.25% | $161 |
| 9 months$10 minimum daily balance required to earn APY. Monthly compounding | 3.25% | $243 |
| 12 months$10 minimum daily balance required to earn APY. Monthly compounding | 2.75% | $275 |
| 24 months$10 minimum daily balance required to earn APY. Monthly compounding | 2.75% | $558 |
| 36 months$10 minimum daily balance required to earn APY. Monthly compounding | 2.25% | $690 |
| 60 months$10 minimum daily balance required to earn APY. Monthly compounding | 2.00% | $1,041 |
Sources (1)
- cambridgesavings.com/cd-accounts · captured Oct 5, 2026
Special-purpose accounts
Retirement Plan Certificates of Deposit
Up to 4.10%APY · 10 terms
All CDs are available as Retirement Plans with a $500 opening deposit. IRAs are not available for online account opening, in branch only. Substantial penalties for early withdrawal may be imposed.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsAvailable as Retirement Plan. In branch only. $10 minimum daily balance required to earn APY. Monthly compounding | 3.00% | $74 |
| 4 monthsCD Special available as Retirement Plan. In branch only. New money only, not currently on deposit with CSB. $10 minimum daily balance required to earn APY. Monthly compounding | 3.85% | $127 |
| 6 monthsAvailable as Retirement Plan. In branch only. $10 minimum daily balance required to earn APY. Monthly compounding | 3.25% | $161 |
| 9 monthsAvailable as Retirement Plan. In branch only. $10 minimum daily balance required to earn APY. Monthly compounding | 3.25% | $243 |
| 10 monthsCD Special available as Retirement Plan. In branch only. New money only, not currently on deposit with CSB. $10 minimum daily balance required to earn APY. Monthly compounding | 4.10% | $341 |
| 12 monthsAvailable as Retirement Plan. In branch only. $10 minimum daily balance required to earn APY. Monthly compounding | 2.75% | $275 |
| 19 monthsCD Special available as Retirement Plan. In branch only. Includes a one-time bump-up option. $10 minimum daily balance required to earn APY. Monthly compounding | 4.00% | $641 |
| 24 monthsAvailable as Retirement Plan. In branch only. $10 minimum daily balance required to earn APY. Monthly compounding | 2.75% | $558 |
| 36 monthsAvailable as Retirement Plan. In branch only. $10 minimum daily balance required to earn APY. Monthly compounding | 2.25% | $690 |
| 60 monthsAvailable as Retirement Plan. In branch only. $10 minimum daily balance required to earn APY. Monthly compounding | 2.00% | $1,041 |
Sources (1)
- cambridgesavings.com/cd-accounts · captured Oct 5, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.