East Cambridge Savings Bank CD Rates — October 2026
As of October 22, 2026, East Cambridge Savings Bank's highest tracked CD rate is 4.06% APY on a 14-month relationship CD ($1,000 minimum). That is 2.3 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 0.20% to 0.40% APY.
Tracking began .
With $10,000 and no relationship requirement: 3.76% on 14 months
East Cambridge Savings Bank CD rates
CDs from 6 months to 5 years with a $1,000 minimum daily balance to earn the APY. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 6 months | Fixed Rate CD | $1,000 | 0.20% | −4.20% | Top 96% of tracked 6-month CDs · Verified October 22, 2026 |
| 9 months | 9-Month CD Relationship | $1,000 | 3.86% | −0.62% | Top 30% of tracked 9-month CDs · Verified October 22, 2026 |
| 9 months | 9-Month CD Promotional | $1,000 | 3.56% | −0.92% | Top 51% of tracked 9-month CDs · Verified October 22, 2026 |
| 12 months | Fixed Rate CD | $1,000 | 0.30% | −4.27% | Top 95% of tracked 12-month CDs · Verified October 22, 2026 |
| 14 months | 14-Month CD Relationship | $1,000 | 4.06% | −0.56% | Verified October 22, 2026 |
| 14 months | 14-Month CD Promotional | $1,000 | 3.76% | −0.86% | Verified October 22, 2026 |
| 18 months | Fixed Rate CD | $1,000 | 0.40% | −4.32% | Top 94% of tracked 18-month CDs · Verified October 22, 2026 |
| 24 months | Fixed Rate CD | $1,000 | 0.40% | −4.47% | Top 94% of tracked 24-month CDs · Verified October 22, 2026 |
| 36 months | Fixed Rate CD | $1,000 | 0.40% | −4.55% | Top 93% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | Fixed Rate CD | $1,000 | 0.40% | −4.58% | Top 95% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | Fixed Rate CD | $1,000 | 0.40% | −4.61% | Top 95% of tracked 60-month CDs · 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 3.76% APY (14 months). The standard rate for a similar term is 0.30% APY (12 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $346 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are East Cambridge Savings Bank's best CD rates by term?
East Cambridge Savings Bank's best rate is 4.06% APY on 14 months, verified October 22, 2026.
- 6 mo0.20%
- 9 mo3.86%
- 12 mo0.30%
- 14 mo4.06%
- 18 mo0.40%
- 24 mo0.40%
- 36 mo0.40%
- 48 mo0.40%
- 60 mo0.40%
How much interest could a East 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.
$475.44 interest · $10,475.44 at maturity on $10,000.00.
4.06% APY · 14 months · 14-Month CD · Relationship · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 6 months | $5.010.20% APY · Fixed Rate CD · Standard | $10.020.20% APY · Fixed Rate CD · Standard | $25.060.20% APY · Fixed Rate CD · Standard | $50.110.20% APY · Fixed Rate CD · Standard |
| 9 months | $144.203.86% APY · 9-Month CD · Relationship | $288.393.86% APY · 9-Month CD · Relationship | $720.983.86% APY · 9-Month CD · Relationship | $1,441.963.86% APY · 9-Month CD · Relationship |
| 12 months | $15.000.30% APY · Fixed Rate CD · Standard | $30.000.30% APY · Fixed Rate CD · Standard | $75.000.30% APY · Fixed Rate CD · Standard | $150.000.30% APY · Fixed Rate CD · Standard |
| 14 months | $237.724.06% APY · 14-Month CD · Relationship | $475.444.06% APY · 14-Month CD · Relationship | $1,188.604.06% APY · 14-Month CD · Relationship | $2,377.214.06% APY · 14-Month CD · Relationship |
| 18 months | $30.060.40% APY · Fixed Rate CD · Standard | $60.110.40% APY · Fixed Rate CD · Standard | $150.290.40% APY · Fixed Rate CD · Standard | $300.570.40% APY · Fixed Rate CD · Standard |
| 24 months | $40.080.40% APY · Fixed Rate CD · Standard | $80.160.40% APY · Fixed Rate CD · Standard | $200.400.40% APY · Fixed Rate CD · Standard | $400.800.40% APY · Fixed Rate CD · Standard |
| 36 months | $60.240.40% APY · Fixed Rate CD · Standard | $120.480.40% APY · Fixed Rate CD · Standard | $301.200.40% APY · Fixed Rate CD · Standard | $602.400.40% APY · Fixed Rate CD · Standard |
| 48 months | $80.480.40% APY · Fixed Rate CD · Standard | $160.960.40% APY · Fixed Rate CD · Standard | $402.410.40% APY · Fixed Rate CD · Standard | $804.810.40% APY · Fixed Rate CD · Standard |
| 60 months | $100.800.40% APY · Fixed Rate CD · Standard | $201.610.40% APY · Fixed Rate CD · Standard | $504.020.40% APY · Fixed Rate CD · Standard | $1,008.030.40% APY · Fixed Rate CD · Standard |
How East 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 426-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 11 of 23 tracked institutions with fresh 426-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 | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| East Cambridge Savings Bank (this institution)14-Month CD · Relationship | 14 months | $1,000 | Branches in MA | 4.06% | October 22, 2026 |
| Synchrony BankCD · Standard | 14 months | Not stated | Available nationwide | 4.30% | October 22, 2026 |
| Eastern BankFeatured CD · Promotional | 14 months | $2,500 | Branches in MA, NH, RI | 4.25% | October 22, 2026 |
| Arise FinancialShare Certificate · Standard | 14 months | $500 | Membership required · branches in MA | 4.10% | October 22, 2026 |
| Langley Federal Credit Union (highest tracked APY for this term)14 Month Promotional Certificate · Promotional | 14 months | $500 | Membership required · branches in NC, VA | 4.40% | October 22, 2026 |
| Treasury (APY-equivalent) | 14 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.62% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking East Cambridge Savings Bank on October 22, 2026.
About East Cambridge Savings Bank
- Legal name
- East Cambridge Savings Bank
- Regulator ID
- FDIC 90173
- Headquarters
- Cambridge, MA
- Available in
- MA
- Total assets
- $1.7 billion
- Also known as
- Website
- www.ecsb.com
Source: rates read from https://www.ecsb.com/personal-deposit-rates. See the page text we read.
Frequently asked questions
What is the highest CD rate at East Cambridge Savings Bank?
Among the rates we track, 4.06% APY on a 14-month relationship CD, as of October 22, 2026.
What is the minimum deposit for a East Cambridge Savings Bank CD?
The lowest minimum we found is $1,000.
How does East Cambridge Savings Bank's best CD rate compare with Treasury yields?
4.06% APY is −0.56% versus the 14-month Treasury yield of 4.62% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.06% 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 East Cambridge Savings Bank CDs insured?
East Cambridge Savings Bank is an FDIC-insured bank (FDIC 90173). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check East 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 East Cambridge Savings Bank's website and may change at any time. Confirm terms, minimums and eligibility with East Cambridge Savings Bank before opening an account. This page is not financial advice.