We understand the importance of saving for retirement and you can count on us to answer your questions while providing a simplified process to:
  • Open a Traditional or Roth Individual Retirement Account (IRA)
  • Contribute to an existing IRA
  • Rollover/transfer an IRA from another financial institution
  • Rollover a 401K from a previous employer

We offer attractive rates on short- and long-term IRA CDs. A safe, smart option for retirement savings, our IRA CDs offer:
  • Competitive interest rates and a wide range of terms
  • Low minimum deposit to open
  • Compounded monthly interest
  • The security of being FDIC- and DIF-insured
  • IRA Money Market options

Traditional IRAs
The Traditional IRA provides tax-deferred earnings and yearly tax deductions for qualified individuals. IRA contributions may be fully, or partially tax deductible depending on your income tax filing status, and your modified adjusted income (MAGI). Any deductible contributions and earnings you withdraw or that are distributed from your Traditional IRA are taxable.

Roth IRAs
Contributions to a Roth IRA are not tax-deductible. However, if you meet certain requirements all withdrawals including earnings are tax-free when withdrawn. The Roth IRA also eliminates the need to take required minimum distributions.

East Cambridge at Your Service

  • Natercia Calisto Image

    Natercia Calisto

    AVP, Business Development Manager
    Broadway Banking Center, Arlington
    NMLS ID: #1058405
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  • Jessica Chaves Image

    Jessica Chaves

    Banking Center Operations Officer
    Trapelo Road Banking Center, Belmont
    NMLS ID: #1247315
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  • KathyAnn Dottin Image

    KathyAnn Dottin

    AVP, Business Development Manager
    Salem Street Banking Center, Medford
    NMLS ID: #1058689
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  • John Kirwan Image

    John Kirwan

    AVP, Customer Service - Digital Banking Manager
    Customer Service Center
    NMLS ID: #706962
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  • Richard Murray Image

    Richard Murray

    Business Development Manager
    West Medford Banking Center, Medford
    NMLS ID: #706659
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  • Fiona Nattabi Image

    Fiona Nattabi

    AVP, Business Development Manager
    Malden Banking Center, Malden
    NMLS ID: #750242
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  • Bryant Nestico Image

    Bryant Nestico

    AVP, Business Development Manager
    Main Office, Cambridge
    NMLS ID: #1219892
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  • Suraj Rajbanshi Image

    Suraj Rajbanshi

    Assistant Service Manager
    Highland Avenue Banking Center, Somerville
    NMLS ID: #928565
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  • Madhu S. Satyal Image

    Madhu S. Satyal

    Business Development Manager
    Wal-Lex Banking Center, Waltham
    NMLS ID: #829483
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  • Susan Shaw Image

    Susan Shaw

    Business Development Manager
    Woburn Banking Center, Woburn
    NMLS ID: #751319
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  • Amal Taouri Image

    Amal Taouri

    Business Development Manager
    Inman Square Banking Center, Cambridge
    NMLS ID: #1031097
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  • Sandy Youssef Image

    Sandy Youssef

    Business Development Manager
    Chelsea Banking Center, Chelsea
    NMLS ID: #1827521
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