# Cambridge Savings Bank CD rates

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.

Canonical page: https://apyledger.com/cd-rates/cambridge-savings-bank
Institution: Cambridge Savings Bank (FDIC 17870)
Aliases: 
Status: live
Last verified: 2026-10-22T14:30:44.000Z (October 22, 2026)
Official source: https://www.cambridgesavings.com/cd-accounts
Coverage: 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.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 3 Months | standard | 3 months | $1,000 | 3.00% | Not ZIP-priced | −1.29% | 2026-10-22T14:30:44.000Z | [Snapshot 295](https://apyledger.com/snapshots/295) |
| 4 Month Special | promotional | 4 months | $1,000 | 3.85% | Not ZIP-priced | −0.54% | 2026-10-22T14:30:44.000Z | [Snapshot 295](https://apyledger.com/snapshots/295) |
| 6 Months | standard | 6 months | $1,000 | 3.25% | Not ZIP-priced | −1.15% | 2026-10-22T14:30:44.000Z | [Snapshot 295](https://apyledger.com/snapshots/295) |
| 9 Months | standard | 9 months | $1,000 | 3.25% | Not ZIP-priced | −1.23% | 2026-10-22T14:30:44.000Z | [Snapshot 295](https://apyledger.com/snapshots/295) |
| 10 Month Special | promotional | 10 months | $1,000 | 4.10% | Not ZIP-priced | −0.41% | 2026-10-22T14:30:44.000Z | [Snapshot 295](https://apyledger.com/snapshots/295) |
| 1 Years | standard | 12 months | $1,000 | 2.75% | Not ZIP-priced | −1.82% | 2026-10-22T14:30:44.000Z | [Snapshot 295](https://apyledger.com/snapshots/295) |
| 19 Month Special | promotional | 19 months | $1,000 | 4.00% | Not ZIP-priced | −0.74% | 2026-10-22T14:30:44.000Z | [Snapshot 295](https://apyledger.com/snapshots/295) |
| 2 Years | standard | 24 months | $1,000 | 2.75% | Not ZIP-priced | −2.12% | 2026-10-22T14:30:44.000Z | [Snapshot 295](https://apyledger.com/snapshots/295) |
| 3 Years | standard | 36 months | $1,000 | 2.25% | Not ZIP-priced | −2.70% | 2026-10-22T14:30:44.000Z | [Snapshot 295](https://apyledger.com/snapshots/295) |
| 5 Years | standard | 60 months | $1,000 | 2.00% | Not ZIP-priced | −3.01% | 2026-10-22T14:30:44.000Z | [Snapshot 295](https://apyledger.com/snapshots/295) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.