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Member FDIC FDIC-Insured - Backed by the full faith and credit of the U.S. Government

On Sunday, January 12th beginning at 1:00am, Online and Mobile Banking will be intermittently unavailable as we perform scheduled maintenance. Online and Mobile Banking are expected to be back up and running around 1:00pm on Sunday, January 12th.

Lock in your CD rate now, and start earning today.

Grow your savings with our market competitive high-yield certificate of deposit rates. We offer a variety of term lengths to help you reach your savings goals. With a quick and easy application process, choose your term and apply for your account in minutes.

FDIC Insured

Enjoy peace of mind
knowing your deposits

are FDIC insured.2

 

Apply in Minutes

The process is quick and easy. Complete your application in just minutes.

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High-Yield
Certificates of Deposit

4.35%APY1

Market-Leading Rates

Terms

3 month

Apply for an Account

High-Yield
Certificates of Deposit

4.00%APY1

Market-Leading Rates

Terms

1 year

Apply for an Account

High-Yield
Certificates of Deposit

3.50%APY1

Market-Leading Rates

Terms

2 year

Apply for an Account

High-Yield
Certificates of Deposit

3.25%APY1

Market-Leading Rates

Terms

3 year

Apply for an Account

High-Yield
Certificates of Deposit

2.60%APY1

Market-Leading Rates

Terms

5 year

Apply for an Account

FDIC Insured

Enjoy peace of mind
knowing your deposits

are FDIC insured.2

 

Apply in Minutes

The process is quick and easy. Complete your application in just minutes.

Apply for an account in minutes.

Applying for an account is easy. Complete the application in minutes to get started.

1

Start your application.

Click Apply Now to start the
application.

2

Give us a few details.

It will only take a couple of minutes.

3

Add funds into your account.

Add funds to your new Ivy Bank account
by making a transfer from another bank.

Apply for an Account

Our CD Offerings

4.35%APY1
3 Month CD
4.00%APY1
1 Year CD
3.50%APY1
2 Year CD
3.25%APY1
3 Year CD
Apply for an Account
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Money Management

As soon as you open your Ivy Bank account, you'll be able to start using our Money Management tool to gain powerful insights into your full financial picture. With Money Management, you'll be able to visualize and interact with your money in a meaningful way.

 

More About Money Management

CD Account FAQs

You will be paid the disclosed rate until first maturity.

The account will automatically renew at maturity for the same term at the Ivy Bank rate effective at maturity, unless you notify us of changes to your account within 10 calendar days after the maturity date.

In Online Banking, select the account under the Accounts header. Then, select Account Details to display the CD maturity date.

In Mobile Banking, select the account under the Accounts header and then select Details to display the CD maturity date.

APY-E (annual percentage yield earned) is an annualized rate that reflects the total amount of dividends (or interest) earned for the dividend (or interest) period and stated as a percent based on the actual average daily balance in the account. Unlike APY, which assumes no deposits or withdrawals are made over a 12-month period, APY-E is impacted by both deposits and withdrawals made during the period reflected on the periodic statements. On leap years, the APY-E listed in January and February statements may differ as calculations are based on 366 days.

See more FAQs

For more details on our personal savings accounts, please refer to our disclosures.

11, 2, 3, 5 Year or 3 Month Certificates of Deposit. Rates effective as of 3/1/25 and are subject to change without notice. Minimum opening deposit of $1,000. The Annual Percentage Yield (APY) is based on monthly compounding with funds held to maturity. $10 minimum daily balance required to earn APY. Additional deposits are not permitted. Substantial penalties for early withdrawal may be imposed. For more information, please refer to our disclosures. 

2FDIC Insured up to the maximum amount allowed by law. Ivy Bank and Cambridge Savings Bank are treated as the same entity for the purposes of calculating FDIC insurance limits.

3The National Certificates of Deposit Average is calculated monthly by the Federal Deposit Insurance Corporation (FDIC) and can be found on FDIC.gov.