¹Annual Percentage Yield (APY) effective as of 2/18/2026 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 rebates³ 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 $1,067.01 in interest yearly. Fees and other conditions may reduce earnings; ask for details.

²Must be linked with East Cambridge Checking to earn bonus rate. Annual Percentage Yield (APY) effective as of 2/18/2026 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 rebates³ 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 $3,556.70 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.

³Up 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.

⁴According to Bankrate.com, as of 1/21/26, the national average savings account yield is 0.61% APY. Annual 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.