Bank · FDIC insured
East Cambridge Savings Bank CD Rates
East Cambridge Savings Bank’s best CD rate is 0.40% APY on an 18-month CD. Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How East Cambridge Savings Bank’s CD rates compare
Compared with banks and credit unions near Boston, MA-NH, where East Cambridge Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
East Cambridge Savings Bank
4.06%APY
- Term
- 14 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $475
14-Month CD
Top rate
RiverWorks Credit Union
4.80%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $237
2nd-highest rate
Arise Financial
4.75%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,494
East Cambridge Savings Bank CD score
61
CD score
Higher than 4% of U.S. banks and credit unions
- 3–8 months3–8 mo0.20%
- 9–15 months9–15 mo0.30%
- 16–30 months16–30 mo0.40%
- 31–60 months31–60 mo0.40%
- QualifiedQualified4.06%
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 East 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.
14-Month CD
Up to 4.06%APY · 1 term
Use promo code \"CD14\" when opening online. For personal and business deposits of Massachusetts residents and Massachusetts approved businesses only. A penalty may be imposed for early withdrawals.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 14 monthsBasic requirement tier. Promo code CD14 when opening online | 3.76% | $440 |
| 14 monthsPersonal checking account with established direct deposit required or $10,000 new money required (funded with a minimum of $10,000 in new money not already on deposit at East Cambridge Savings Bank). Promo code CD14 when opening online | 4.06% | $475 |
Sources (1)
- ecsb.com/cd-specials · captured Oct 5, 2026
9-Month CD
Up to 3.86%APY · 1 term
Use promo code \"CD09\" when opening online. For personal and business deposits of Massachusetts residents and Massachusetts approved businesses only. A penalty may be imposed for early withdrawals.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsBasic requirement tier. Promo code CD09 when opening online | 3.56% | $266 |
| 9 monthsPersonal checking account with established direct deposit required or $10,000 new money required (funded with a minimum of $10,000 in new money not already on deposit at East Cambridge Savings Bank). Promo code CD09 when opening online | 3.86% | $288 |
Sources (1)
- ecsb.com/cd-specials · captured Oct 5, 2026
Fixed Rate CDs
Up to 0.40%APY · 7 terms
Personal deposits of Massachusetts residents only. Penalty may be imposed for early withdrawals.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.20% | $10 |
| 12 months | 0.30% | $30 |
| 18 months | 0.40% | $60 |
| 24 months | 0.40% | $80 |
| 36 months | 0.40% | $120 |
| 48 months | 0.40% | $161 |
| 60 months | 0.40% | $202 |
Sources (1)
- ecsb.com/personal-deposit-rates · 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.