Cambridge Savings Bank CD Rates — October 2026
As of October 22, 2026, Cambridge Savings Bank's highest tracked CD rate is 4.10% APY on a 10-month promotional CD ($1,000 minimum). That is 2.3 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 2.00% to 3.25% APY.
Tracking began .
Cambridge Savings Bank CD rates
Includes standard CDs and 4-, 10- and 19-month specials. Specials require living or working in Massachusetts; 4- and 10-month offers require new money not already on deposit with Cambridge Savings Bank. Standard CDs require Massachusetts or New Hampshire residence or employment; Maine customers must contact the bank. The ordinary opening minimum is $1,000, with $10 daily balance needed to earn APY; retirement plans may open with $500. IRA accounts require a branch visit. The 19-month special permits one customer-initiated rate increase. No additions are allowed after opening.
| Term | Product | APY |
|---|---|---|
| 3 months | 3 Months | 3.00%Verified October 22, 2026 |
| 4 months | 4 Month Special Promotional | 3.85%Verified October 22, 2026 |
| 6 months | 6 Months | 3.25%Verified October 22, 2026 |
| 9 months | 9 Months | 3.25%Verified October 22, 2026 |
| 10 months | 10 Month Special Promotional | 4.10%Verified October 22, 2026 |
| 12 months | 1 Years | 2.75%Verified October 22, 2026 |
| 19 months | 19 Month Special Promotional | 4.00%Verified October 22, 2026 |
| 24 months | 2 Years | 2.75%Verified October 22, 2026 |
| 36 months | 3 Years | 2.25%Verified October 22, 2026 |
| 60 months | 5 Years | 2.00%Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
Watch the renewal rate
The best promotional rate here is 4.10% APY (10 months). The standard rate for a similar term is 3.25% APY (9 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $85 less per year. Check the account terms and set a reminder before maturity.
What are Cambridge Savings Bank's best CD rates by term?
Cambridge Savings Bank's best rate is 4.10% APY on 10 months, verified October 22, 2026.
- 3 mo3.00%
- 4 mo3.85%
- 6 mo3.25%
- 9 mo3.25%
- 10 mo4.10%
- 12 mo2.75%
- 19 mo4.00%
- 24 mo2.75%
- 36 mo2.25%
- 60 mo2.00%
How much interest could a Cambridge Savings Bank CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $36.983.00% APY · 3 Months · Standard | $73.973.00% APY · 3 Months · Standard | $184.923.00% APY · 3 Months · Standard | $369.833.00% APY · 3 Months · Standard |
| 6 months | $80.823.25% APY · 6 Months · Standard | $161.653.25% APY · 6 Months · Standard | $404.113.25% APY · 6 Months · Standard | $808.233.25% APY · 6 Months · Standard |
| 9 months | $121.503.25% APY · 9 Months · Standard | $243.003.25% APY · 9 Months · Standard | $607.493.25% APY · 9 Months · Standard | $1,214.993.25% APY · 9 Months · Standard |
| 10 months | $170.164.10% APY · 10 Month Special · Promotional | $340.334.10% APY · 10 Month Special · Promotional | $850.824.10% APY · 10 Month Special · Promotional | $1,701.644.10% APY · 10 Month Special · Promotional |
| 12 months | $137.502.75% APY · 1 Years · Standard | $275.002.75% APY · 1 Years · Standard | $687.502.75% APY · 1 Years · Standard | $1,375.002.75% APY · 1 Years · Standard |
| 24 months | $278.782.75% APY · 2 Years · Standard | $557.562.75% APY · 2 Years · Standard | $1,393.912.75% APY · 2 Years · Standard | $2,787.812.75% APY · 2 Years · Standard |
| 60 months | $520.402.00% APY · 5 Years · Standard | $1,040.812.00% APY · 5 Years · Standard | $2,602.022.00% APY · 5 Years · Standard | $5,204.042.00% APY · 5 Years · Standard |
How Cambridge Savings Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 304-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 7 of 13 tracked institutions with fresh 304-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| Cambridge Savings Bank (this institution)10 Month Special · Promotional | 10 months | $1,000 | Coverage: MA | 4.10% | October 22, 2026 |
| American Express National BankCertificate of Deposit (CD) · Promotional | 10 months | Not stated | Nationwide; check eligibility | 4.40% | October 22, 2026 |
| Citizens Bank10-Month CD · Relationship | 10 months | $25,000 | Boston, MA · ZIP 02108 | 4.40% | October 22, 2026 |
| Eastern BankFeatured CD · Promotional | 10 months | $2,500 | Coverage: MA, NH, RI | 4.15% | October 22, 2026 |
| Community First Credit Union (highest tracked APY for this term)CD Special: Pick Your Term · Promotional | 10 months | $5,000 | Coverage: WI | 5.05% | October 22, 2026 |
| Treasury (APY-equivalent) | 10 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.51% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Cambridge Savings Bank on October 22, 2026.
About Cambridge Savings Bank
- Legal name
- Cambridge Savings Bank
- Regulator ID
- FDIC 17870
- Headquarters
- Cambridge, MA
- Available in
- MA
- Total assets
- $7.0 billion
- Also known as
- Website
- www.cambridgesavings.com
Source: rates read from https://www.cambridgesavings.com/cd-accounts. See the page text we read.
Frequently asked questions
What is the highest CD rate at Cambridge Savings Bank?
Among the rates we track, 4.10% APY on a 10-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a Cambridge Savings Bank CD?
The lowest minimum we found is $1,000.
How does Cambridge Savings Bank's best CD rate compare with Treasury yields?
4.10% APY is −0.41% versus the 10-month Treasury yield of 4.51% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.10% a good CD rate?
It is 2.3 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Cambridge Savings Bank CDs insured?
Cambridge Savings Bank is an FDIC-insured bank (FDIC 17870). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Cambridge Savings Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Cambridge Savings Bank's website and may change at any time. Confirm terms, minimums and eligibility with Cambridge Savings Bank before opening an account. This page is not financial advice.