1Annual Percentage Yield (APY) effective as of 10/11/2026 and interest rates may change after account opening unless otherwise disclosed here or elsewhere. For East Cambridge Checking, the interest rate on the entire balance of your account will be 0.03%, with an annual percentage yield of 0.03%. However, we will provide a reward interest rate and ATM rebates2 when you have 25 Point-of-Sale, 1 External Withdrawal posted and settled to your account during the month and have eStatements on your account. When transactions and services to be eligible for the reward are met, daily balances up to and including $30,000.00 will earn 3.50% APY. Daily balances over $30,000.00 will earn 0.40% APY on the portion of the daily balance over $30,000.00 resulting in a range from 3.50% to 1.12% APY depending on the daily balance in the account. For example, for a $30,000 deposit at 3.50% APY and an additional $100,000 at 0.40% APY, the combined APY is 1.12%. In addition, a $30,000 daily balance maintained over a 12-month period, will earn approximately $1,051.52 in interest yearly. Fees and other conditions may reduce earnings; ask for details.
2Up to $20.00 for foreign bank ATM surcharges, capped at $5.00 per individual charge and up to $10.00 in ECSB Foreign ATM charges each month. Resulting in a yearly potential rebate of $360.
3Must be linked with East Cambridge Checking to earn bonus rate. Annual Percentage Yield (APY) effective as of 10/11/2026 and interest rates may change after account opening unless otherwise disclosed here or elsewhere. The interest rate on the entire balance of your account will be 0.03%, with an annual percentage yield of 0.03%. However, we will provide a reward interest rate and ATM rebates2 when you have 25 Point-of-Sale, 1 External Withdrawal posted and settled to your linked East Cambridge Checking account during the month and have eStatements on your account. When transactions and services to be eligible for the reward are met, daily balances up to and including $100,000.00 will earn 3.50% APY. Daily balances over $100,000.00 will earn 0.40% APY on the portion of the daily balance over $100,000.00 resulting in a range from 3.50% to 1.95% APY depending on the daily balance in the account. For example, for a $100,000 deposit at 3.50% APY and an additional $100,000 at 0.40% APY, the combined APY is 1.95%. In addition, a $100,000 daily balance maintained over a 12-month period, will earn approximately $3,505.08 in interest yearly. Fees and other conditions may reduce earnings; ask for details.
For other terms and conditions, account details, and cycle dates, please refer to account disclosures available at account opening and upon request. $25.00 minimum deposit required to open account unless otherwise noted. Personal deposits of Massachusetts residents only.