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Get on the Fast Track to Financial Freedom!

Ready to reach your financial goals sooner? Our high-yield savings account with 3.50% APY* can help you get there faster. Whether you’re planning ahead or building momentum, we’ve got you covered.

Open an account online or at any of our 11 banking centers. 

All deposits fully insured by a combination of FDIC and DIF coverage.

OPEN SMART SAVER ONLINE

Smart Saver

Minimum Daily Balance to Earn APY APY*
$0.00 - $1,000,000.00 3.50%
$1,000,000.01 and over 3.50% - 3.25%
*Annual Percentage Yield (APY) effective as of 11/14/2025. $25.00 minimum deposit required to open account. This is a variable rate account and interest rates may change after account opening unless otherwise disclosed here or elsewhere. Daily balances up to and including $1,000,000.00 in your Smart Saver account earn 3.50% APY. Earn 3.50% to 3.25% APY on balances $1,000,000.01 and over. For example, for a $1,000,000.00 deposit at 3.50% APY and an additional $100,000.00 at 0.75% APY, the combined APY is 3.25%. Personal deposits of Massachusetts residents only. Must be opened with new funds not currently on deposit with East Cambridge Savings Bank and any future deposits must be from outside funds not currently on deposit with East Cambridge Savings Bank. One account per household. Product offering may be withdrawn at any time. Fees and other conditions may reduce earnings; ask for details. For other terms and conditions, please refer to account disclosures available at account opening and upon request.

 

OPEN SMART SAVER ONLINE

 

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