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Cambridge Savings Bank Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: November 5, 2026
Cambridge Savings Bank's CD - 6-Month rates are at 3.25%, CD - 9-Month rates are at 3.25%, CD - 3-Month rates are at 3.00%, CD - 1 Year rates are at 2.75%, CD - 2 Years rates are at 2.75%. Cambridge Savings Bank's savings rates are at 0.15%. Cambridge Savings Bank's money market rates are at 3.10%. Cambridge Savings Bank's 5/6 ARM - Jumbo rates are at 6.125%, 7/6 ARM - Jumbo rates are at 6.25%, 10 Year Fixed Rate Jumbo rates are at 6.375%, 15 Year Fixed Rate Jumbo rates are at 6.50%, 7/6 ARM - Conforming rates are at 6.625%. Cambridge Savings Bank's Personal Loan Rates are as low as 10.77%. Cambridge Savings Bank's top CD rate of 4.10% APY on a 10 month CD is 39% higher than the MonitorBankRates national average of 2.96% APY for that term, and it has an A health rating. MonitorBankRates evaluates the financial stability of Cambridge Savings Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.52%. Rates last updated and verified on 11/05/2026.
Cambridge Savings Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Cambridge Savings Bank? Share your experience about Cambridge Savings Bank by leaving a review below, or read customer reviews before you decide to use Cambridge Savings Bank.
Cambridge Savings Bank has earned an overall safety grade of A (Excellent, Score: 95/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective FDIC regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Cambridge Savings Bank has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
Our proprietary rating system evaluates financial stability including the Texas Ratio and capitalization and combines it with customer feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
?
9.52%
ExcellentHigher than avg
Cambridge Savings Bank Texas Ratio
Cambridge Savings Bank's Texas Ratio is 9.52%, which is considered excellent and is higher than the national average of 5.85%.
Cambridge Savings Bank has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
1.35% to 9.52% over 12 quarters, steadyFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A
The Texas Ratio for this bank has held steady at a healthy level since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.
Cambridge Savings Bank CD Rates
Product
Rate
APY
Term
Min. Deposit
View More
10-Month CD Special
4.02%
4.10%
10 Month
-
DetailsNew money only; Rates effective as of October 1, 2026
Last Updated11/05/2026
Rate History
1 change since Sep 24, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
Oct 2, 20264.10%▲ from 4.00%
Sep 24, 20264.00%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.52%
CD Special - 19-Month Special
3.92%
4.00%
19 months
-
No additional details.
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.52%
4-Month CD Special
3.78%
3.85%
4 Month
-
DetailsNew money only; Rates effective as of October 1, 2026
Last Updated11/05/2026
Rate History
No change since Sep 24, 2026 · 3.85% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.52%
New Money Only CD Specials - 4-Month Special
3.78%
3.85%
4 Months
$1,000
Min Deposit$1,000
Min Balance$10
DetailsNew money only; not currently on deposit with CSB; Massachusetts or New Hampshire residents; Maine residents must visit a branch or call; Additional deposits not permitted; Bump-up option once per term; Rates effective as of November 1, 2026
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 3.85% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.52%
CD - 6-month
3.20%
3.25%
6 Months
-
DetailsOpen Account
Last Updated11/05/2026
Rate History
1 change since Sep 18, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00%
Oct 2, 20263.25%▲ from 3.00%
Sep 18, 20263.00%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.52%
CD - 9-month
3.20%
3.25%
9 Months
-
DetailsOpen Account
Last Updated11/05/2026
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.52%
CD - 3-month
2.95%
3.00%
3 Months
-
DetailsOpen Account
Last Updated11/05/2026
Rate History
1 change since Sep 18, 2026 · 3.25% → 3.00% ▼ 0.25 pts · high 3.25% / low 3.00%
Oct 2, 20263.00%▼ from 3.25%
Sep 18, 20263.25%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.52%
CD - 1-Year
2.71%
2.75%
1 Years
-
DetailsOpen Account
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.52%
CD - 2-Years
2.71%
2.75%
2 Years
-
DetailsOpen Account
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 2.75% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.52%
CD - 3-Years
2.22%
2.25%
3 Years
-
DetailsOpen Account
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 2.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.52%
CD - 5-Years
1.98%
2.00%
5 Years
-
DetailsOpen Account
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 2.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.52%
Cambridge Savings Bank Savings Rates
Product
Rate
APY
View More
Simple Savings
-
0.15%
DetailsMonthly maintenance service charge $5, waived with $250 avg. monthly balance OR if you've notified us that you're 18 or younger or 65 or older; Non-CSB ATM surcharge reimbursement: No
Last Updated11/05/2026
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.52%
Cambridge Savings Bank Checking Rates
Product
Rate
APY
View More
Relationship High-Yield Money Market - With Performance Plus Checking
-
3.10%
Min Balance$1,000,000
DetailsBalance: >= $1,000,000; Requires Performance Plus Checking; Monthly maintenance service charge $10, waived with $1,000 average monthly balance; Non-CSB ATM surcharge reimbursement up to $12/month
Last Updated11/05/2026
Rate History
1 change since Sep 18, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00%
Oct 2, 20263.10%▲ from 3.00%
Sep 18, 20263.00%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.52%
Relationship High-Yield Money Market - Without Performance Plus Checking
-
2.85%
Min Balance$1,000,000
DetailsBalance: >= $1,000,000; Without Performance Plus Checking; Monthly maintenance service charge $10, waived with $1,000 average monthly balance; Non-CSB ATM surcharge reimbursement up to $12/month
Last Updated11/05/2026
Rate History
1 change since Sep 18, 2026 · 2.75% → 2.85% ▲ 0.10 pts · high 2.85% / low 2.75%
Oct 2, 20262.85%▲ from 2.75%
Sep 18, 20262.75%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.52%
Relationship High-Yield Money Market - With Performance Plus Checking
-
2.80%
Min Balance$250,000
DetailsBalance: $250k-999,999.99; Requires Performance Plus Checking; Monthly maintenance service charge $10, waived with $1,000 average monthly balance; Non-CSB ATM surcharge reimbursement up to $12/month
Last Updated11/05/2026
Rate History
1 change since Sep 18, 2026 · 2.70% → 2.80% ▲ 0.10 pts · high 2.80% / low 2.70%
Oct 2, 20262.80%▲ from 2.70%
Sep 18, 20262.70%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.52%
Relationship High-Yield Money Market - Without Performance Plus Checking
-
2.55%
Min Balance$250,000
DetailsBalance: $250k-999,999.99; Without Performance Plus Checking; Monthly maintenance service charge $10, waived with $1,000 average monthly balance; Non-CSB ATM surcharge reimbursement up to $12/month
Last Updated11/05/2026
Rate History
1 change since Sep 18, 2026 · 2.45% → 2.55% ▲ 0.10 pts · high 2.55% / low 2.45%
Oct 2, 20262.55%▲ from 2.45%
Sep 18, 20262.45%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.52%
Relationship High-Yield Money Market - With Performance Plus Checking
-
2.20%
Min Balance$50,000
DetailsBalance: $50k-249,999.99; Requires Performance Plus Checking; Monthly maintenance service charge $10, waived with $1,000 average monthly balance; Non-CSB ATM surcharge reimbursement up to $12/month
Last Updated11/05/2026
Rate History
No change since Sep 18, 2026 · 2.20% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.52%
Relationship High-Yield Money Market - Without Performance Plus Checking
-
1.95%
Min Balance$50,000
DetailsBalance: $50k-249,999.99; Without Performance Plus Checking; Monthly maintenance service charge $10, waived with $1,000 average monthly balance; Non-CSB ATM surcharge reimbursement up to $12/month
Last Updated11/05/2026
Rate History
No change since Sep 18, 2026 · 1.95% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.52%
Relationship High-Yield Money Market - With Performance Plus Checking
-
1.75%
Min Balance$10,000
DetailsBalance: $10k-49,999.99; Requires Performance Plus Checking; Monthly maintenance service charge $10, waived with $1,000 average monthly balance; Non-CSB ATM surcharge reimbursement up to $12/month
Last Updated11/05/2026
Rate History
No change since Sep 18, 2026 · 1.75% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.52%
Relationship High-Yield Money Market - With Performance Plus Checking
-
1.50%
Min Balance$10
DetailsBalance: $10-9,999.99; Requires Performance Plus Checking; Monthly maintenance service charge $10, waived with $1,000 average monthly balance; Non-CSB ATM surcharge reimbursement up to $12/month
Last Updated11/05/2026
Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.52%
Relationship High-Yield Money Market - Without Performance Plus Checking
-
1.50%
Min Balance$10,000
DetailsBalance: $10k-49,999.99; Without Performance Plus Checking; Monthly maintenance service charge $10, waived with $1,000 average monthly balance; Non-CSB ATM surcharge reimbursement up to $12/month
Last Updated11/05/2026
Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.52%
Relationship High-Yield Money Market - Without Performance Plus Checking
-
1.25%
Min Balance$10
DetailsBalance: $10-9,999.99; Without Performance Plus Checking; Monthly maintenance service charge $10, waived with $1,000 average monthly balance; Non-CSB ATM surcharge reimbursement up to $12/month
Last Updated11/05/2026
Rate History
No change since Sep 18, 2026 · 1.25% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.52%
Cambridge Savings Bank Mortgage Rates
Product
Rate
Points
APR
Term
View More
5/6 ARM - Jumbo
6.125%
0.000
6.473%
30 years
DetailsFully Indexed Rate: 6.625%
Last Updated11/05/2026
Rate History
2 changes since Oct 20, 2026 · 6.57% → 6.47% ▼ 0.10 pts · high 6.57% / low 6.47%
Nov 5, 20266.47%▼ from 6.52%
Oct 31, 20266.52%▼ from 6.57%
Oct 20, 20266.57%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.52%
7/6 ARM - Jumbo
6.25%
0.000
6.478%
30 years
DetailsFully Indexed Rate: 6.625%
Last Updated11/05/2026
Rate History
2 changes since Oct 20, 2026 · 6.61% → 6.48% ▼ 0.13 pts · high 6.61% / low 6.48%
Nov 5, 20266.48%▼ from 6.54%
Oct 31, 20266.54%▼ from 6.61%
Oct 20, 20266.61%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.52%
10 Year Fixed Rate Jumbo
6.375%
0.000
6.485%
10 Year
DetailsFixed Rate Mortgage; Description: Jumbo; Monthly payments: 120; Effective as of November 5, 2026
Last Updated11/05/2026
Rate History
2 changes since Oct 7, 2026 · 6.86% → 6.49% ▼ 0.38 pts · high 6.86% / low 6.49%
Nov 5, 20266.49%▼ from 6.74%
Oct 20, 20266.74%▼ from 6.86%
Oct 7, 20266.86%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.52%
15 Year Fixed Rate Jumbo
6.50%
0.000
6.579%
15 Year
DetailsFixed Rate Mortgage; Description: Jumbo; Monthly payments: 180; Effective as of November 5, 2026
Last Updated11/05/2026
Rate History
2 changes since Oct 7, 2026 · 6.96% → 6.58% ▼ 0.38 pts · high 6.96% / low 6.58%
Nov 5, 20266.58%▼ from 6.83%
Oct 20, 20266.83%▼ from 6.96%
Oct 7, 20266.96%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.52%
7/6 ARM - Conforming
6.625%
0.000
6.682%
30 years
DetailsFully Indexed Rate: 6.625%
Last Updated11/05/2026
Rate History
2 changes since Oct 20, 2026 · 6.88% → 6.68% ▼ 0.20 pts · high 6.88% / low 6.68%
Nov 5, 20266.68%▼ from 6.75%
Oct 31, 20266.75%▼ from 6.88%
Oct 20, 20266.88%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.52%
10 Year Fixed Rate Conforming
6.625%
0.000
6.754%
10 Year
DetailsFixed Rate Mortgage; Description: Conforming; Monthly payments: 120; Effective as of November 5, 2026
Last Updated11/05/2026
Rate History
1 change since Oct 7, 2026 · 7.39% → 6.75% ▼ 0.63 pts · high 7.39% / low 6.75%
Nov 5, 20266.75%▼ from 7.39%
Oct 7, 20267.39%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.52%
10/6 ARM - Jumbo
6.875%
0.000
6.843%
30 years
DetailsFully Indexed Rate: 6.625%
Last Updated11/05/2026
Rate History
2 changes since Oct 20, 2026 · 7.01% → 6.84% ▼ 0.17 pts · high 7.01% / low 6.84%
Nov 5, 20266.84%▼ from 6.93%
Oct 31, 20266.93%▼ from 7.01%
Oct 20, 20267.01%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.52%
5/6 ARM - Conforming
7.125%
0.000
6.887%
30 years
DetailsFully Indexed Rate: 6.625%
Last Updated11/05/2026
Rate History
1 change since Oct 20, 2026 · 6.94% → 6.89% ▼ 0.05 pts · high 6.94% / low 6.89%
Nov 5, 20266.89%▼ from 6.94%
Oct 20, 20266.94%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.52%
20 Year Fixed Rate Jumbo
6.875%
0.000
6.941%
20 Year
DetailsFixed Rate Mortgage; Description: Jumbo; Monthly payments: 240; Effective as of November 5, 2026
Last Updated11/05/2026
Rate History
2 changes since Oct 7, 2026 · 7.32% → 6.94% ▼ 0.38 pts · high 7.32% / low 6.94%
Nov 5, 20266.94%▼ from 7.19%
Oct 20, 20267.19%▼ from 7.32%
Oct 7, 20267.32%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.52%
20 Year Fixed Rate Conforming
6.875%
0.000
6.951%
20 Year
DetailsFixed Rate Mortgage; Description: Conforming; Monthly payments: 240; Effective as of November 5, 2026
Last Updated11/05/2026
Rate History
3 changes since Oct 7, 2026 · 7.46% → 6.95% ▼ 0.51 pts · high 7.46% / low 6.95%
Nov 5, 20266.95%▼ from 7.20%
Oct 20, 20267.20%▼ from 7.33%
Oct 14, 20267.33%▼ from 7.46%
Oct 7, 20267.46%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.52%
15 Year Fixed Rate Conforming
6.875%
0.000
6.969%
15 Year
DetailsFixed Rate Mortgage; Description: Conforming; Monthly payments: 180; Effective as of November 5, 2026
Last Updated11/05/2026
Rate History
2 changes since Oct 7, 2026 · 7.35% → 6.97% ▼ 0.38 pts · high 7.35% / low 6.97%
Nov 5, 20266.97%▼ from 7.22%
Oct 20, 20267.22%▼ from 7.35%
Oct 7, 20267.35%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.52%
30 Year Fixed Rate Jumbo
7.00%
0.000
7.052%
30 Year
DetailsFixed Rate Mortgage; Description: Jumbo; Monthly payments: 360; Effective as of November 5, 2026
Last Updated11/05/2026
Rate History
2 changes since Oct 7, 2026 · 7.43% → 7.05% ▼ 0.38 pts · high 7.43% / low 7.05%
Nov 5, 20267.05%▼ from 7.30%
Oct 20, 20267.30%▼ from 7.43%
Oct 7, 20267.43%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.52%
30 Year Fixed Rate Conforming
7.00%
0.000
7.059%
30 Year
DetailsFixed Rate Mortgage; Description: Conforming; Monthly payments: 360; Effective as of November 5, 2026
Last Updated11/05/2026
Rate History
2 changes since Oct 7, 2026 · 7.31% → 7.06% ▼ 0.25 pts · high 7.31% / low 7.06%
Nov 5, 20267.06%▼ from 7.19%
Oct 20, 20267.19%▼ from 7.31%
Oct 7, 20267.31%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.52%
10/6 ARM - Conforming
7.25%
0.000
7.108%
30 years
DetailsFully Indexed Rate: 6.625%
Last Updated11/05/2026
Rate History
1 change since Oct 20, 2026 · 7.20% → 7.11% ▼ 0.09 pts · high 7.20% / low 7.11%
Nov 5, 20267.11%▼ from 7.20%
Oct 20, 20267.20%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.52%
Cambridge Savings Bank Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
EZ-Lock HELOC - Existing
-
-
6.75%
30 Years
DetailsRate: Prime minus .250%; Floor Rate: 3.000%; Primary Residences, Second Homes; Rates Effective as of: November 2, 2026
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 6.75% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.52%
EZ-Lock HELOC - New
-
-
6.75%
30 Years
DetailsRate: Prime minus .250%; Floor Rate: 3.000%; Primary Residences, Second Homes; Rates Effective as of: November 2, 2026
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 6.75% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.52%
EZ-Lock HELOC >
-
-
7.00%
30 Years
Details$500,000; Rate: Prime; Floor Rate: 3.000%; Primary Residences, Second Homes; Rates Effective as of: November 2, 2026
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 7.00% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.52%
Home Equity Loan
7.00%
-
7.00%
60 Months
Details80% CLTV-2nd Lien; # of monthly payments: 60
Last Updated11/05/2026
Rate History
2 changes since Sep 15, 2026 · 6.38% → 7.00% ▲ 0.63 pts · high 7.00% / low 6.38%
Sep 27, 20267.00%▲ from 6.75%
Sep 18, 20266.75%▲ from 6.38%
Sep 15, 20266.38%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.52%
Home Equity Loan
7.125%
-
7.125%
120 Months
Details80% CLTV-2nd Lien; # of monthly payments: 120
Last Updated11/05/2026
Rate History
3 changes since Sep 15, 2026 · 6.63% → 7.13% ▲ 0.50 pts · high 7.25% / low 6.63%
Oct 20, 20267.13%▼ from 7.25%
Sep 27, 20267.25%▲ from 7.00%
Sep 18, 20267.00%▲ from 6.63%
Sep 15, 20266.63%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.52%
Home Equity Loan
7.25%
-
7.25%
180 Months
Details80% CLTV-2nd Lien; # of monthly payments: 180
Last Updated11/05/2026
Rate History
3 changes since Sep 15, 2026 · 6.88% → 7.25% ▲ 0.38 pts · high 7.38% / low 6.88%
Oct 20, 20267.25%▼ from 7.38%
Oct 1, 20267.38%▲ from 7.25%
Sep 18, 20267.25%▲ from 6.88%
Sep 15, 20266.88%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.52%
Home Equity Loan
7.25%
-
7.25%
60 Months
Details85% CLTV-2nd Lien; # of monthly payments: 60
Last Updated11/05/2026
Rate History
3 changes since Sep 15, 2026 · 6.38% → 7.25% ▲ 0.88 pts · high 7.25% / low 6.38%
Oct 1, 20267.25%▲ from 7.00%
Sep 27, 20267.00%▲ from 6.75%
Sep 18, 20266.75%▲ from 6.38%
Sep 15, 20266.38%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.52%
Home Equity Loan
7.375%
-
7.375%
120 Months
Details85% CLTV-2nd Lien; # of monthly payments: 120
Last Updated11/05/2026
Rate History
3 changes since Sep 15, 2026 · 6.63% → 7.38% ▲ 0.75 pts · high 7.38% / low 6.63%
Oct 20, 20267.38%▲ from 7.25%
Sep 27, 20267.25%▲ from 7.00%
Sep 18, 20267.00%▲ from 6.63%
Sep 15, 20266.63%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.52%
Home Equity Loan
7.50%
-
7.50%
240 Months
Details80% CLTV-2nd Lien; # of monthly payments: 240
Last Updated11/05/2026
Rate History
3 changes since Sep 15, 2026 · 7.13% → 7.50% ▲ 0.38 pts · high 7.63% / low 7.13%
Oct 20, 20267.50%▼ from 7.63%
Oct 1, 20267.63%▲ from 7.50%
Sep 18, 20267.50%▲ from 7.13%
Sep 15, 20267.13%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.52%
Home Equity Loan
7.50%
-
7.50%
180 Months
Details85% CLTV-2nd Lien; # of monthly payments: 180
Last Updated11/05/2026
Rate History
3 changes since Sep 15, 2026 · 6.88% → 7.50% ▲ 0.63 pts · high 7.50% / low 6.88%
Oct 20, 20267.50%▲ from 7.38%
Oct 1, 20267.38%▲ from 7.25%
Sep 18, 20267.25%▲ from 6.88%
Sep 15, 20266.88%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.52%
Home Equity Loan
7.625%
-
7.625%
360 Months
Details80% CLTV-2nd Lien; # of monthly payments: 360
Last Updated11/05/2026
Rate History
3 changes since Sep 15, 2026 · 7.25% → 7.63% ▲ 0.38 pts · high 7.75% / low 7.25%
Oct 20, 20267.63%▼ from 7.75%
Oct 1, 20267.75%▲ from 7.63%
Sep 18, 20267.63%▲ from 7.25%
Sep 15, 20267.25%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.52%
Home Equity Loan
7.75%
-
7.75%
240 Months
Details85% CLTV-2nd Lien; # of monthly payments: 240
Last Updated11/05/2026
Rate History
3 changes since Sep 15, 2026 · 7.13% → 7.75% ▲ 0.63 pts · high 7.75% / low 7.13%
Oct 20, 20267.75%▲ from 7.63%
Oct 1, 20267.63%▲ from 7.50%
Sep 18, 20267.50%▲ from 7.13%
Sep 15, 20267.13%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.52%
Home Equity Loan
7.875%
-
7.875%
360 Months
Details85% CLTV-2nd Lien; # of monthly payments: 360
Last Updated11/05/2026
Rate History
3 changes since Sep 15, 2026 · 7.25% → 7.88% ▲ 0.63 pts · high 7.88% / low 7.25%
Oct 20, 20267.88%▲ from 7.75%
Oct 1, 20267.75%▲ from 7.63%
Sep 18, 20267.63%▲ from 7.25%
Sep 15, 20267.25%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.52%
Cambridge Savings Bank Personal Loan Rates
Product
APR
Term
View More
Personal Unsecured Loan
10.77%
36 Months
DetailsBorrow from $1,000 - $50,000; Rates shown are based on 740 credit score or greater
Last Updated11/05/2026
Rate History
No change since Sep 15, 2026 · 10.77% APR · checked 13 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.52%
Financial Health History
Cambridge Savings Bank’s Texas Ratio rose from 1.35% in Q3 2023 to 9.52% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$7.0B
9.52%
5.0
A
March 31, 2026
$6.9B
6.82%
5.0
A
December 31, 2025
$6.9B
5.59%
5.0
A+
September 30, 2025
$7.0B
3.15%
5.0
A+
June 30, 2025
$6.9B
3.40%
5.0
A+
March 31, 2025
$6.8B
5.81%
5.0
A+
December 31, 2024
$6.9B
6.38%
5.0
A
September 30, 2024
$7.0B
7.45%
5.0
A
June 30, 2024
$7.1B
4.64%
5.0
A+
March 31, 2024
$7.0B
2.32%
5.0
A+
December 31, 2023
$6.9B
1.41%
5.0
A+
September 30, 2023
$6.9B
1.35%
5.0
A+
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating:
Our rating for Cambridge Savings Bank is derived from comprehensive financial data published quarterly by the FDIC.
Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.
Texas Ratio:
We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation:
We gather Cambridge Savings Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Cambridge Savings Bank's official website for the most current offers and terms.
Address
1374 Massachusetts Ave,
Cambridge, MA 02138 · Middlesex
Bank Holding CompanyCAMBRIDGE FINANCIAL GROUP INC
FDIC Certificate #17870
RegulatorFDIC
EstablishedApril 2, 1834
FDIC Insurance DateJuly 2, 1958
Domestic Offices21
Total Branches21
FDIC Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (95/100)
Texas Ratio
9.52%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
0.3588%
Return on Equity (ROE)
3.5300%
Non-Performing Loans Ratio (NPL)
1.05%
Total Assets
$6,980,671,000
Total Deposits
$5,350,448,000
Equity Capital
$711,564,000
Net Income
$12,458,000
Headquarters
Cambridge
Total Branches and Offices
21
Source: FDIC — Last Updated June 30, 2026
2026 MBR Health & Safety Badge
Cambridge Savings Bank earned the Verified Healthy badge
Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Cambridge Savings Bank
Frequently Asked Questions About Cambridge Savings Bank
Does Cambridge Savings Bank offer CDs?
Yes. Cambridge Savings Bank current CD rates include its CD - 6-Month at 3.25% APY, its CD - 9-Month at 3.25% APY and its CD - 3-Month at 3.00% APY, verified by MonitorBankRates as of November 5, 2026.
Are CDs from Cambridge Savings Bank FDIC insured?
Yes. Cambridge Savings Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at Cambridge Savings Bank?
The highest Cambridge Savings Bank CD rate is its 10-Month Certificate Special at 4.10% APY, verified by MonitorBankRates as of November 5, 2026.
What CD terms does Cambridge Savings Bank offer?
Cambridge Savings Bank CD rates are 3.00% APY for a 3 month CD, 3.25% APY for a 6 month CD, 3.25% APY for a 9 month CD, 2.75% APY for a 12 month CD, 4.00% APY for an 18 month CD, 2.75% APY for a 2 year CD, 2.25% APY for a 3 year CD and 2.00% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Cambridge Savings Bank for its full lineup.
What is the highest savings rate at Cambridge Savings Bank?
The highest Cambridge Savings Bank savings rate is its Simple Savings at 0.15% APY, verified by MonitorBankRates as of November 5, 2026.
What is the highest money market rate at Cambridge Savings Bank?
The highest Cambridge Savings Bank money market rate is its Relationship High-Yield Money Market - With Performance Plus Checking at 3.10% APY, verified by MonitorBankRates as of November 5, 2026.
What is the highest checking rate at Cambridge Savings Bank?
The highest Cambridge Savings Bank checking rate is its Relationship High-Yield Money Market - With Performance Plus Checking at 3.10% APY, verified by MonitorBankRates as of November 5, 2026.
What is the lowest 30 year fixed mortgage rate at Cambridge Savings Bank?
The lowest Cambridge Savings Bank 30 year fixed mortgage rate is its 30 Year Fixed Rate Jumbo at 7.00%, verified by MonitorBankRates as of November 5, 2026. Cambridge Savings Bank mortgage rates are 7.00% for a 30 year mortgage, 6.875% for a 20 year mortgage, 6.875% for a 15 year mortgage, 6.625% for a 10 year mortgage, 7.125% for a 5/6 ARM, 6.625% for a 7/6 ARM and 7.25% for a 10/6 ARM.
What is the lowest personal loan rate at Cambridge Savings Bank?
The lowest Cambridge Savings Bank personal loan rate is its Personal Unsecured Loan at 10.49%, verified by MonitorBankRates as of November 5, 2026.
How many branches does Cambridge Savings Bank operate?
Cambridge Savings Bank currently maintains approximately 21 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is there a first-time homebuyer program?
Currently, Cambridge Savings Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.
Are credit management and repair services offered?
While formal credit repair services are not currently listed, Cambridge Savings Bank provides members with tools to manage their accounts and build a solid financial history.
Does Cambridge Savings Bank offer online and mobile banking?
Most modern institutions like Cambridge Savings Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.cambridgesavings.com.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do Cambridge Savings Bank rates compare?
Cambridge Savings Bank's top CD rate of 4.10% APY on a 10 month CD is 39% higher than the MonitorBankRates national average of 2.96% APY for that term, and it has an A health rating. Cambridge Savings Bank's top rates are its 10-Month Certificate Special at 4.10% APY, its Simple Savings at 0.15% APY, its Relationship High-Yield Money Market - With Performance Plus Checking at 3.10% APY, its 5/6 ARM - Jumbo at 6.125% and its Personal Unsecured Loan at 10.77% APR, verified by MonitorBankRates on November 5, 2026.
Current Cambridge Savings Bank Rates
12-Month CD2.75%
18-Month CD4.00%
24-Month CD2.75%
36-Month CD2.25%
60-Month CD2.00%
Savings0.15%
MMA3.10%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
