What are the current interest rates at Cambridge Savings Bank?

Current rates for Cambridge Savings Bank include: 12-Month CD: 2.75%, 18-Month CD: 4.00%, 24-Month CD: 2.75%, 36-Month CD: 2.25%, 60-Month CD: 2.00%, Savings: 0.15%, MMA: 3.10%

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Cambridge Savings Bank Rates & Review October 2026

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 14, 2026

Cambridge Savings Bank's top rates as of October 14, 2026 are 4.10% APY on its New Money Only Certificate of Deposit Specials - 10-Month Special, 0.15% APY on savings, 3.10% APY on money market accounts, 6.50% on its Adjustable Rate Mortgages (ARM) - 5/6 ARM - Jumbo, and personal loans from 10.77% APR, according to rates verified by MonitorBankRates. Other Cambridge Savings Bank CD rates include 19-Months Certificate Of Deposit Special - 19-Month Special at 4.00%, New Money Only Certificate of Deposit Specials - 4-Month Special at 3.85%, and 6-Months Certificates Of Deposit - 6-Month at 3.25%. Other Cambridge Savings Bank mortgage rates include Adjustable Rate Mortgages (ARM) - 7/6 ARM - Jumbo at 6.625%, 10 Year Fixed Rate Jumbo at 6.75%, and Adjustable Rate Mortgages (ARM) - 7/6 ARM - Conforming at 7.00%. 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 10/14/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

9.52%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Cambridge Savings Bank

1374 Massachusetts Ave
Cambridge, MA 02138

https://www.cambridgesavings.com

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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
New Money Only Certificate of Deposit Specials - 10 Month Special	4.02%	4.10%	10 Month
Details New money only; Open Account Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.52%
Certificate Of Deposit Special - 19 Month Special	3.92%	4.00%	19 months
Details Rates effective as of: October 1, 2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.52%
New Money Only Certificate of Deposit Specials - 4 Month Special	3.78%	3.85%	4 Month
Details New money only; Open Account Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.85% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.52%
Certificates Of Deposit - 6 month	3.20%	3.25%	6 Months
No additional details. Last Updated 10/14/2026 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%
Certificates Of Deposit - 9 month	3.20%	3.25%	9 Months
No additional details. Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.52%
Certificates Of Deposit - 3 month	2.95%	3.00%	3 Months
No additional details. Last Updated 10/14/2026 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%
Certificates Of Deposit - 1 Years	2.71%	2.75%	1 Years
No additional details. Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.52%
Certificates Of Deposit - 2 Years	2.71%	2.75%	2 Years
No additional details. Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.52%
Certificates Of Deposit - 3 Years	2.22%	2.25%	3 Years
No additional details. Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.52%
Certificates Of Deposit - 5 Years	1.98%	2.00%	5 Years
No additional details. Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 8 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%
No additional details. Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.52%

Cambridge Savings Bank Checking Rates

Product	Rate	APY
Relationship High-Yield Money Market - With Performance Plus Checking	-	3.10%
Min Balance $1,000,000 Details Balance: >= $1,000,000 Last Updated 10/14/2026 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 Details Balance: >= $1,000,000 Last Updated 10/14/2026 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 Details Balance: $250k-999,999.99 Last Updated 10/14/2026 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 Details Balance: $250k-999,999.99 Last Updated 10/14/2026 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 Details Balance: $50k-249,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.20% APY · checked 8 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 Details Balance: $50k-249,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.95% APY · checked 8 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 Details Balance: $10k-49,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 8 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 Details Balance: $10-9,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.50% APY · checked 8 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 Details Balance: $10k-49,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.50% APY · checked 8 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 Details Balance: $10-9,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.52%

Cambridge Savings Bank Mortgage Rates

Product	Rate	Points	APR	Term
Adjustable Rate Mortgages (ARM) - 5/6 ARM - Jumbo	6.50%	0.000	6.623%	30 years
Details Initial interest rate; Fully Indexed Rate: 6.625% Last Updated 10/14/2026 Rate History 2 changes since Sep 18, 2026 · 6.32% → 6.62% ▲ 0.30 pts · high 6.62% / low 6.32% Oct 14, 20266.62%▲ from 6.50% Oct 7, 20266.50%▲ from 6.32% Sep 18, 20266.32%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.52%
Adjustable Rate Mortgages (ARM) - 7/6 ARM - Jumbo	6.625%	0.000	6.674%	30 years
Details Initial interest rate; Fully Indexed Rate: 6.625% Last Updated 10/14/2026 Rate History 2 changes since Sep 18, 2026 · 6.36% → 6.67% ▲ 0.32 pts · high 6.67% / low 6.36% Oct 14, 20266.67%▲ from 6.55% Oct 7, 20266.55%▲ from 6.36% Sep 18, 20266.36%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.52%
10 Year Fixed Rate Jumbo	6.75%	0.000	6.864%	10 Year
Details Description: Jumbo; # of monthly payments: 120 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 6.86% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.52%
Adjustable Rate Mortgages (ARM) - 7/6 ARM - Conforming	7.00%	0.000	6.881%	30 years
Details Initial interest rate; Fully Indexed Rate: 6.625% Last Updated 10/14/2026 Rate History 2 changes since Sep 18, 2026 · 6.50% → 6.88% ▲ 0.38 pts · high 6.88% / low 6.50% Oct 14, 20266.88%▲ from 6.75% Oct 7, 20266.75%▲ from 6.50% Sep 18, 20266.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.52%
Adjustable Rate Mortgages (ARM) - 5/6 ARM - Conforming	7.25%	0.000	6.939%	30 years
Details Initial interest rate; Fully Indexed Rate: 6.625% Last Updated 10/14/2026 Rate History 2 changes since Sep 18, 2026 · 7.00% → 6.94% ▼ 0.06 pts · high 7.00% / low 6.86% Oct 14, 20266.94%▲ from 6.86% Oct 7, 20266.86%▼ from 7.00% Sep 18, 20267.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.52%
15 Year Fixed Rate Jumbo	6.875%	0.000	6.958%	15 Year
Details Description: Jumbo; # of monthly payments: 180 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 6.96% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.52%
Adjustable Rate Mortgages (ARM) - 10/6 ARM - Jumbo	7.25%	0.000	7.10%	30 years
Details Initial interest rate; Fully Indexed Rate: 6.625% Last Updated 10/14/2026 Rate History 2 changes since Sep 18, 2026 · 7.00% → 7.10% ▲ 0.10 pts · high 7.10% / low 7.00% Oct 14, 20267.10%▲ from 7.06% Oct 7, 20267.06%▲ from 7.00% Sep 18, 20267.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.52%
Adjustable Rate Mortgages (ARM) - 10/6 ARM - Conforming	7.375%	0.000	7.195%	30 years
Details Initial interest rate; Fully Indexed Rate: 6.625% Last Updated 10/14/2026 Rate History 2 changes since Sep 18, 2026 · 7.13% → 7.20% ▲ 0.07 pts · high 7.20% / low 7.13% Oct 14, 20267.20%▲ from 7.15% Oct 7, 20267.15%▲ from 7.13% Sep 18, 20267.13%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.52%
30 Year Fixed Rate Conforming	7.25%	0.000	7.311%	30 Year
Details Description: Conforming; # of monthly payments: 360 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 7.31% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.52%
20 Year Fixed Rate Jumbo	7.25%	0.000	7.319%	20 Year
Details Description: Jumbo; # of monthly payments: 240 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 7.32% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.52%
20 Year Fixed Rate Conforming	7.25%	0.000	7.329%	20 Year
Details Description: Conforming; # of monthly payments: 240 Last Updated 10/14/2026 Rate History 1 change since Oct 7, 2026 · 7.46% → 7.33% ▼ 0.13 pts · high 7.46% / low 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	7.25%	0.000	7.349%	15 Year
Details Description: Conforming; # of monthly payments: 180 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 7.35% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.52%
10 Year Fixed Rate Conforming	7.25%	0.000	7.387%	10 Year
Details Description: Conforming; # of monthly payments: 120 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 7.39% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.52%
30 Year Fixed Rate Jumbo	7.375%	0.000	7.43%	30 Year
Details Description: Jumbo; # of monthly payments: 360 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 7.43% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.52%

Cambridge Savings Bank Home Equity & HELOC

Product	Rate	Points	APR	Term
EZ-Lock HELOC - Existing	-	-	6.75%	30 Years
Details Primary Residences, Second Homes; Rates effective as of October 13, 2026; Current Rate: Prime minus .250%; Floor Rate: 3.000% Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.75% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.52%
EZ-Lock HELOC - New	-	-	6.75%	30 Years
Details Primary Residences, Second Homes; Rates effective as of October 13, 2026; Current Rate: Prime minus .250%; Floor Rate: 3.000% Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.75% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.52%
EZ-Lock HELOC >	-	-	7.00%	30 Years
Details $500,000; Primary Residences, Second Homes; Rates effective as of October 13, 2026; Current Rate: Prime; Floor Rate: 3.000% Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.52%
Home Equity Loans - 80% CLTV - 1st Lien	7.125%	-	7.125%	60 Months
Details Fixed rate; 60 monthly payments Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.13% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.52%
Home Equity Loans - 80% CLTV-2nd Lien	7.125%	-	7.125%	60 Months
Details Fixed rate; 60 monthly payments Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.13% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.52%
Home Equity Loans - 80% CLTV - 1st Lien	7.375%	-	7.375%	120 Months
Details Fixed rate; 120 monthly payments Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.38% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.52%
Home Equity Loans - 80% CLTV - 1st Lien	7.375%	-	7.375%	180 Months
Details Fixed rate; 180 monthly payments Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.38% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.52%
Home Equity Loans - 80% CLTV-2nd Lien	7.375%	-	7.375%	120 Months
Details Fixed rate; 120 monthly payments Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.38% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.52%
Home Equity Loans - 80% CLTV-2nd Lien	7.375%	-	7.375%	180 Months
Details Fixed rate; 180 monthly payments Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.38% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.52%
Home Equity Loans - 85% CLTV-2nd Lien	7.375%	-	7.375%	60 Months
Details Fixed rate; 60 monthly payments Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.38% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.52%
Home Equity Loans - 80% CLTV - 1st Lien	7.625%	-	7.625%	240 Months
Details Fixed rate; 240 monthly payments Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.63% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.52%
Home Equity Loans - 80% CLTV-2nd Lien	7.625%	-	7.625%	240 Months
Details Fixed rate; 240 monthly payments Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.63% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.52%
Home Equity Loans - 85% CLTV-2nd Lien	7.625%	-	7.625%	120 Months
Details Fixed rate; 120 monthly payments Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.63% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.52%
Home Equity Loans - 85% CLTV-2nd Lien	7.625%	-	7.625%	180 Months
Details Fixed rate; 180 monthly payments Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.63% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.52%
Home Equity Loans - 80% CLTV - 1st Lien	7.75%	-	7.75%	360 Months
Details Fixed rate; 360 monthly payments Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.75% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.52%
Home Equity Loans - 80% CLTV-2nd Lien	7.75%	-	7.75%	360 Months
Details Fixed rate; 360 monthly payments Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.75% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.52%
Home Equity Loans - 85% CLTV-2nd Lien	7.875%	-	7.875%	240 Months
Details Fixed rate; 240 monthly payments Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.88% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.52%
Home Equity Loans - 85% CLTV-2nd Lien	8.00%	-	8.00%	360 Months
Details Fixed rate; 360 monthly payments Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.00% APR 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
Details Rate effective as of October 1, 2026; Monthly payment per $1,000 borrowed: $32.50; Borrow from $1,000 - $50,000; Rates shown are based on 740 credit score or greater Last Updated 10/14/2026 Rate History No change since Sep 15, 2026 · 10.77% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.52%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

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.

Bank Profile & Overview

Bank Name Cambridge Savings Bank

Website https://www.cambridgesavings.com

Address 1374 Massachusetts Ave, Cambridge, MA 02138 · Middlesex

Bank Holding Company CAMBRIDGE FINANCIAL GROUP INC

FDIC Certificate # 17870

Regulator FDIC

Established April 2, 1834

FDIC Insurance Date July 2, 1958

Domestic Offices 21

Total Branches 21

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

Source: FDIC — Last Updated June 30, 2026

Q2 2026 MBR Health & Safety Badge

Cambridge Savings Bank earned the Verified Healthy badge

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Frequently Asked Questions About Cambridge Savings Bank

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.