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 However, if you meet certain requirements all withdrawals including earnings are tax-free when withdrawn.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 when you attain the age of 70 1/2.

East Cambridge at Your Service

  • Kesia Ascencio Image

    Kesia Ascencio

    Assistant Service Manager
    Chelsea Banking Center, Chelsea
    NMLS ID: #1482694
    617.551.2391
    Email Kesia
  • Linda Bolduc Image

    Linda Bolduc

    AVP, Business Development Manager
    Trapelo Road Banking Center, Belmont
    NMLS ID: #1058400
    617.551.2480
    Email Linda
  • Natercia Calisto Image

    Natercia Calisto

    AVP, Business Development Manager
    Broadway Banking Center, Arlington
    NMLS ID: #1058405
    617.551.2550
    Email Natercia
  • Jessica Chaves Image

    Jessica Chaves

    Business Development Manager
    MassAve Banking Center, Cambridge
    NMLS ID: #1247315
    617.551.2513
    Email Jessica
  • KathyAnn Dottin Image

    KathyAnn Dottin

    AVP, Business Development Manager
    Salem Street Banking Center, Medford
    NMLS ID: #1058689
    617.551.2570
    Email KathyAnn
  • Andris Gonzalez Image

    Andris Gonzalez

    Business Development Manager
    Highland Ave Banking Center, Somerville
    NMLS ID: #1065273
    617.551.2470
    Email Andris
  • John Kirwan Image

    John Kirwan

    AVP, Business Development Manager
    Main Office, Cambridge
    NMLS ID: #706962
    617.551.2454
    Email John
  • Robyn Lonardelli Image

    Robyn Lonardelli

    AVP, Business Development Manager
    Main Office, Cambridge
    NMLS ID: #1068151
    617.551.2451
    Email Robyn
  • Shruti Saraf Image

    Shruti Saraf

    AVP, Business Development Manager
    West Medford Banking Center, Medford
    NMLS ID: #892937
    617.551.2490
    Email Shruti
  • Lisa Scopa Image

    Lisa Scopa

    AVP, Business Development Manager
    Inman Square Banking Center, Cambridge
    NMLS ID: #1127928
    617.551.2460
    Email Lisa

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