# East Cambridge Savings Bank CD rates

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.

Canonical page: https://apyledger.com/cd-rates/east-cambridge-savings-bank
Institution: East Cambridge Savings Bank (FDIC 90173)
Aliases: 
Status: live
Last verified: 2026-10-23T03:19:23.000Z (October 22, 2026)
Official source: https://www.ecsb.com/personal-deposit-rates
Coverage: CDs from 6 months to 5 years with a $1,000 minimum daily balance to earn the APY. Early withdrawal penalties may apply.
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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Fixed Rate CD | standard | 6 months | $1,000 | 0.20% | Not ZIP-priced | −4.20% | 2026-10-23T03:19:23.000Z | [Snapshot 948](https://apyledger.com/snapshots/948) |
| 9-Month CD | relationship | 9 months | $1,000 | 3.86% | Not ZIP-priced | −0.62% | 2026-10-23T03:19:23.000Z | [Snapshot 948](https://apyledger.com/snapshots/948) |
| 9-Month CD | promotional | 9 months | $1,000 | 3.56% | Not ZIP-priced | −0.92% | 2026-10-23T03:19:23.000Z | [Snapshot 948](https://apyledger.com/snapshots/948) |
| Fixed Rate CD | standard | 12 months | $1,000 | 0.30% | Not ZIP-priced | −4.27% | 2026-10-23T03:19:23.000Z | [Snapshot 948](https://apyledger.com/snapshots/948) |
| 14-Month CD | relationship | 14 months | $1,000 | 4.06% | Not ZIP-priced | −0.56% | 2026-10-23T03:19:23.000Z | [Snapshot 948](https://apyledger.com/snapshots/948) |
| 14-Month CD | promotional | 14 months | $1,000 | 3.76% | Not ZIP-priced | −0.86% | 2026-10-23T03:19:23.000Z | [Snapshot 948](https://apyledger.com/snapshots/948) |
| Fixed Rate CD | standard | 18 months | $1,000 | 0.40% | Not ZIP-priced | −4.32% | 2026-10-23T03:19:23.000Z | [Snapshot 948](https://apyledger.com/snapshots/948) |
| Fixed Rate CD | standard | 24 months | $1,000 | 0.40% | Not ZIP-priced | −4.47% | 2026-10-23T03:19:23.000Z | [Snapshot 948](https://apyledger.com/snapshots/948) |
| Fixed Rate CD | standard | 36 months | $1,000 | 0.40% | Not ZIP-priced | −4.55% | 2026-10-23T03:19:23.000Z | [Snapshot 948](https://apyledger.com/snapshots/948) |
| Fixed Rate CD | standard | 48 months | $1,000 | 0.40% | Not ZIP-priced | −4.58% | 2026-10-23T03:19:23.000Z | [Snapshot 948](https://apyledger.com/snapshots/948) |
| Fixed Rate CD | standard | 60 months | $1,000 | 0.40% | Not ZIP-priced | −4.61% | 2026-10-23T03:19:23.000Z | [Snapshot 948](https://apyledger.com/snapshots/948) |

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.