Deposit Rates

Annual Percentage Yield (APY) effective as of today.

Certificates of DepositSavings and Money Market AccountsChecking Accounts


Certificates of Deposit1 Interest Rate Annual Percentage Yield Minimum Balance to Open
Special 5-month CD2 0.2 0.2 $10,000
CD Fixed Rate 1 month 0.05 0.05 $1,000
CD Fixed Rate 3 month 0.1 0.1 $1,000
CD Fixed Rate 6 month 0.2 0.2 $1,000
CD Fixed Rate 12 month 0.3 0.3 $1,000
CD Fixed Rate 24 month 0.5 0.5 $1,000
CD Fixed Rate 36 month 0.65 0.65 $1,000
CD Fixed Rate 60 month 1.09 1.1 $1,000
CD Variable Rate 31-month or longer term 0.5 0.5 $1,000
IRA Variable Rate 18 month 0.25 0.25 $500

Traditional, Roth and SEP IRA CDs are also available



Savings and Money Market Accounts1,3 Interest Rate Annual Percentage Yield Minimum Balance to Earn APY

Premium Savings

 
0.05 0.05 $2,500 - $9,999.99
 
0.2 0.2 $10,000 - $49,999.99
 
0.2 0.2 $50,000 - $99,999.99
  0.2 0.2 $100,000 and up
Business Premium Savings
0.05
 
0.05 $5,000 - $9,999.99
0.2 0.2 $10,000 - $49,999.99
0.2 0.2 $50,000 - $99,999.99
0.2 0.2 $100,000 and up
Personal Money Market Account 0.15 0.15 $2,500
Business/Non-Profit Money Market Investment Account 0.15 0.15 $5,000
Statement Savings Account
Minimum balance to open: $0 in a banking office or $250 online for existing Cambridge Trust Company clients
0.02 0.02 $0.01
 
 
Business Savings 0.02 0.02 $0.01

Checking Accounts1,3 Interest Rate Annual Percentage Yield Minimum Balance to Earn APY
Premium Plus Relationship
Minimum balance to open: $0 in a banking office or $500 online
0.02 0.02 $0.01
 
 
Premium Relationship
Minimum balance to open: $0 in a banking office or $500 online
0.02 0.02 $0.01
 
 
Cambridge Trust Cash Management Account 0.01 0.01 $5,000
Non-Profit Cash Management Account 0.01 0.01 $5,000
Interest Checking 0.01 0.01 $1,500

1. Accurate as of today. However, rates are subject to change without notice. To confirm the most current rates, call our Client 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.
2. The minimum deposit to open the Special 5-month CD is $10,000 of money not currently on deposit at Cambridge Trust Company.
3. There is no minimum deposit to open checking, money market, cash management, or savings accounts in a banking office. Minimum initial deposit when opened online is:

Statement Savings: $250 for existing Cambridge Trust Company clients
Premium Plus Relationship: $500
Premium Relationship: $500

Get in Touch

For more information, call:

844-251-0099 Email Us