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Advertiser Disclosure
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 Cambridge Savings Bank Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
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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: September 18, 2026
Cambridge Savings Bank's 10-Month Certificate Special rates are at 4.00%, 4-Month Certificate Special rates are at 3.85%, 18-Month Certificate Special rates are at 3.50%, 3-Months 3-Month Certificate rates are at 3.25%, 9-Months 9-Month Certificate rates are at 3.25%. Cambridge Savings Bank's savings rates are at 0.15%. Cambridge Savings Bank's money market rates are at 1.25%. Cambridge Savings Bank's Adjustable Rate Mortgages (ARM) - 5/6 ARM - Jumbo rates are at 6.12%, Adjustable Rate Mortgages (ARM) - 7/6 ARM - Jumbo rates are at 6.25%, Adjustable Rate Mortgages (ARM) - 7/6 ARM - Conforming rates are at 6.50%, 10 Year Fixed Rate Mortgage rates are at 6.50%, 15 Year Fixed Rate Mortgage rates are at 6.62%. Cambridge Savings Bank's Personal Loan Rates are as low as 10.77%. 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 10.30%. Rates last updated and verified on 09/18/2026. 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 CD Rates
Cambridge Savings Bank Savings Rates
Cambridge Savings Bank Checking Rates
Cambridge Savings Bank Mortgage Rates
Cambridge Savings Bank Home Equity & HELOC
Cambridge Savings Bank Personal Loan Rates
Cambridge Savings Bank Other Rates
Financial Health HistoryCambridge Savings Bank’s Texas Ratio rose from 1.62% in Q3 2023 to 10.30% in Q2 2026, so its financial health has weakened 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)
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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
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates 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.
Bank Profile & Overview
Institution Name
Cambridge Savings Bank
Bank Holding Company
CAMBRIDGE FINANCIAL GROUP INC
Address
1374 Massachusetts Ave,
Cambridge, MA 02138 · Middlesex
Website
https://www.cambridgesavings.com
FDIC Certificate #
17870
Established
18340402
FDIC Insurance Date
19580702
Domestic Offices
21
Total Branches
21
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA
Overall Health Grade
Score: 95/100
5.0
Exceptional
Out of 5.0 Stars
10.30%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.3588%
Return on Equity (ROE)
3.5300%
Non-Performing Loans (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 06/30/2026
Customer Reviews
There are no reviews for Cambridge Savings Bank yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Cambridge Savings Bank
Frequently Asked Questions About Cambridge Savings BankHow 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. Current Cambridge Savings Bank Rates
Retrieved from our database of financial products. Rates subject to change.
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