Certificate of Deposit Rates

Rates effective as of

Certificates of Deposit¹	Interest Rate	Annual Percentage Yield	Minimum Balance to Open
Special 5-month CD²	0.25	0.25	$10,000
CD Fixed Rate 1 month	0.05	0.05	$1,000
CD Fixed Rate 3 month	0.10	0.10	$1,000
CD Fixed Rate 6 month	0.25	0.25	$1,000
CD Fixed Rate 12 month	0.40	0.40	$1,000
CD Fixed Rate 24 month	0.65	0.65	$1,000
CD Fixed Rate 36 month	0.80	0.80	$1,000
CD Fixed Rate 60 month	1.24	1.25	$1,000
CD Variable Rate 31-month or longer term	0.55	0.55	$1,000
IRA Variable Rate 18 month	0.30	0.30	$500

Traditional, Roth and SEP IRA CDs are also available

Accurate as of today. However, rates are subject to change without notice. To confirm the most current rates, call our Customer Resource Center at 617-441-1444. Request our Account Information brochure for the Fee Schedule and other important information. Early withdrawal penalties will be imposed on Certificates of Deposit (CDs). Rates on all interest bearing accounts (except for Fixed Rate Certificates of Deposit) are variable and may change after account is opened. For CDs there is no minimum balance to earn the APY. Fees could reduce earnings. Quoted CD and IRA APYs available for balances up to $250,000. Consult a bank representative regarding CDs and IRAs over $250,000.
The minimum deposit to open the Special 5-month CD is $10,000 of money not currently on deposit at Cambridge Trust Company.
There is no minimum deposit to open checking, money market, cash management or savings accounts.