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1CD 5 Months: The 5-month fixed-rate CD is available on new money not currently on deposit at Cambridge Trust. The interest rate of 5.12% and annual percentage yield (APY) of 5.25 % is effective as of February 2, 2024. The minimum opening deposit is $1,000. For IRA CDs, the minimum opening deposit is $500. Minimum balance to earn APY is $.01. Fees may reduce earnings on the account. A penalty will be imposed for early withdrawal. APY assumes interest will stay on deposit until maturity. Cambridge Trust reserves the right to change or withdraw this offer at any time.