Bank · FDIC insured
East Cambridge Savings Bank Savings Rates
East Cambridge Savings Bank’s best savings rate is 0.10% APY on $10,000, with its East Cambridge Statement Savings. Rates checked October 15, 2026.
How East Cambridge Savings Bank’s savings 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
3.50%APY
- Requires
- Monthly account activity
- Minimum
- $25
- Earns on $10,000 a year
- $350
East Cambridge Money Market
Top rate
Leader Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $10
- Earns on $10,000 a year
- $500
2nd-highest rate
Albright Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $500
East Cambridge Savings Bank savings score
95
Savings score
Higher than 98% of U.S. banks and credit unions
- $1,000 balance$1,0003.35%
- $10,000 balance$10,0003.35%
- $100,000 balance$100,0003.35%
- QualifiedQualified3.50%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
East Cambridge Money Market
Up to 3.50%APY
Must be linked with East Cambridge Checking to earn bonus rate. Exclusively for East Cambridge Checking customers. Personal deposits of Massachusetts residents only. No monthly maintenance fees. $25.00 minimum deposit required to open account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000Monthly qualifications met (25 Point-of-Sale transactions, 1 External Withdrawal posted and settled to linked East Cambridge Checking account during the month, and eStatements on account). Includes ATM rebates up to $20.00 for foreign bank ATM surcharges (capped at $5.00 per individual charge) and up to $10.00 in ECSB Foreign ATM charges. | 3.50% | $350 | Monthly qualifications met (25 Point-of-Sale transactions, 1 External Withdrawal posted and settled to linked East Cambridge Checking account during the month, and eStatements on account). Includes ATM rebates up to $20.00 for foreign bank ATM surcharges (capped at $5.00 per individual charge) and up to $10.00 in ECSB Foreign ATM charges. |
| Any balanceEntire balance if monthly qualifications not met. | 0.03% | $3 | Entire balance if monthly qualifications not met. |
Sources (2)
All captured Oct 5, 2026
East Cambridge Smart Saver
3.35%APY
Personal deposits of Massachusetts residents only. Must be opened with new funds not currently on deposit with East Cambridge Savings Bank, and future deposits must be from outside funds. One account per household. Variable rate account; rates may change after account opening. Deposit accounts fully insured by FDIC and DIF.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000,000Daily balances up to and including $1,000,000.00 earn 3.35% APY. Must be opened with new funds; Massachusetts residents only; one account per household.Up to $1,000,000 | 3.35% | $335 | Daily balances up to and including $1,000,000.00 earn 3.35% APY. Must be opened with new funds; Massachusetts residents only; one account per household. |
East Cambridge Statement Savings
0.10%APY
Maintain a $10 average monthly balance to waive the $1 monthly maintenance fee. Eligible to link to a checking account for overdraft protection. Variable rate account; interest rates may change after account opening.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10Maintain a $10 average monthly balance to waive the $1 monthly maintenance fee. | 0.00% | — | Maintain a $10 average monthly balance to waive the $1 monthly maintenance fee. |
| $10 and upMaintain a $10 average monthly balance to waive the $1 monthly maintenance fee. | 0.10% | $10 | Maintain a $10 average monthly balance to waive the $1 monthly maintenance fee. |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
IRA Money Market
0.50%APY
Must be opened with new funds not currently on deposit with East Cambridge Savings Bank. $2,500.00 minimum deposit required to open account. Variable rate account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10 | 0.00% | — |
| Up to $2,500 | 0.03% | — |
| $2,500 – $250,000 | 0.50% | $50 |
| $250,000 – $500,000 | 1.90% | — |
| $500,000 and up | 1.90% | — |
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.