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Certificates of Deposit

9-Month CD: Use promo code "CD09" when opening online

Minimum Daily Balance to Earn APY Requirements APY*
$1,000 Personal checking account with established direct deposit required or $10,000 new money required 3.86%
$1,000 Basic 3.56%


*Annual Percentage Yield (APY) effective as of 10/11/2026 and subject to change without notice. Product offerings may be withdrawn at anytime. Fees and other conditions may reduce earnings on accounts; ask for details. For other terms and conditions, please refer to account disclosures available at account opening and upon request. A penalty may be imposed for early withdrawals. A $1,000 minimum deposit is required to open the account and earn the stated APY. The account must be funded with a minimum of $10,000 in new money not already on deposit at East Cambridge Savings Bank. For personal and business deposits of Massachusetts residents and Massachusetts approved businesses only.

14-Month CD: Use promo code "CD14" when opening online

Minimum Daily Balance to Earn APY Requirements APY*
$1,000 Personal checking account with established direct deposit required or $10,000 new money required 4.06%
$1,000 Basic 3.76%


*Annual Percentage Yield (APY) effective as of 10/11/2026 and subject to change without notice. Product offerings may be withdrawn at anytime. Fees and other conditions may reduce earnings on accounts; ask for details. For other terms and conditions, please refer to account disclosures available at account opening and upon request. A penalty may be imposed for early withdrawals. A $1,000 minimum deposit is required to open the account and earn the stated APY. The account must be funded with a minimum of $10,000 in new money not already on deposit at East Cambridge Savings Bank. For personal and business deposits of Massachusetts residents and Massachusetts approved businesses only.

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