Annual Percentage Yield (APY) effective as of June 1, 2024.


This page does not include promotional rates. Please contact a Private Banking Office for limited offers on deposit accounts including CDs.

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Certificates of Deposit1    
Interest Rate    
Annual Percentage YieldMinimum Balance to Open
CD Fixed Rate 1 month    
0.01
0.01
$1,000
CD Fixed Rate 3 month    
0.01
0.01
$1,000
CD Fixed Rate 6 month    
0.01
0.01
$1,000
CD Fixed Rate 12 month    
0.05
0.05
$1,000
CD Fixed Rate 24 month    
0.10
0.10
$1,000
CD Fixed Rate 36 month    
0.12
0.12
$1,000
CD Fixed Rate 60 month    
0.20
0.20
$1,000
CD Variable Rate 31-month or longer term
0.12
0.12
$1,000
IRA Variable Rate 18 month    
0.10
0.10
$500

Traditional, Roth and SEP IRA CDs are also available



Savings and Money Market Accounts1,3  
Interest RateAnnual Percentage YieldMinimum Balance to Earn APY

Premium Savings

Minimum balance to open: $0 in a banking office or $2,500 online

0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
$2,500 - $9,999.99
$10,000 - $49,999.99
$50,000 - $99,999.99
$100,000 and up
Business Premium Savings    
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
$5,000 - $9,999.99
$10,000 - $49,999.99
$50,000 - $99,999.99
$100,000 and up

Personal Money Market Account

Minimum balance to open in a banking office: $0

0.01
0.01
$2,500
Business/Non-Profit Money Market Account    
0.01
0.01
$5,000

Statement Savings Account

Minimum balance to open: $0 in a banking office or $250 online for existing Cambridge Trust Company clients

0.01
0.01
$0.01
Business Savings0.01
0.01$0.01



Checking Accounts1,3
Interest Rate
Annual Percentage YieldMinimum Balance to Earn APY

Premium Plus Relationship

Minimum balance to open: $0 in a banking office or $500 online

0.01
0.01
$0.01

Premium Relationship

Minimum balance to open: $0 in a banking office or $500 online

0.01
0.01
$0.01

Cambridge Trust Cash Management Account

Minimum balance to open in a banking office: $0

0.01
0.01
$5,000
Non-Profit Cash Management Account
0.01
0.01
$5,000

Interest Checking

Minimum balance to open in a banking office: $0

0.01
0.01
$1,500


1. Accurate as of Jun 1, 2024, however, rates are subject to change without notice. To confirm the most current rates, call our Client Resource Center at 844-251-4244. 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.

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

Personal Concierge and Alliance Plus Money Market: $500

Premium Plus Relationship: $500

Premium Relationship: $500

Access Checking and Value Checking: $500