⁴Annual Percentage Yield (APY) effective as of 2/18/2026. $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 3.35% APY. Earn 3.35% to 3.11% APY on balances $1,000,000.01 and over. For example, for a $1,000,000.00 deposit at 3.35% APY and an additional $100,000.00 at 0.75% APY, the combined APY is 3.11%. 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 Product offering may be withdrawn at any time.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.