Security Reminder: Ivy Bank will never call, email, or text to ask for your passwords, PINs, or account details. We will never send links requesting your login or credentials, or ask you to change your phone settings. If you receive a suspicious message, don’t respond—contact us directly through our official, secure channels.
Earn 3.85% APY1 with a competitive Ivy Bank 3 Month Certificate of Deposit—FDIC insured2, backed by 192 years of trust, and supported by real people.
Applying for an account is easy. Complete the application in minutes to get started.
1
Click Open an Account to start the
application.
2
It will only take a couple of minutes.
3
Add funds to your new Ivy Bank account
by making a transfer from another bank.
You will be paid the disclosed rate until first maturity.
Your CD will automatically renew at maturity, and you will have 10 calendar days once it matures to make changes to your account. The renewal term will be the same as your current term, except for CD Specials. CD Specials will renew for the closest shorter term to your current term. The renewal will be at the standard interest rate and Annual Percentage Yield (APY) in effect at maturity.
You may make changes using one of the following methods:
Using our CD Management tool in Online or Mobile Banking:
In Online Banking, select Tools & Services, then CD Management.
In our mobile app, select Menu, then Tools & Services, then CD Management.
Forms can be mailed to:
Ivy Bank
PO Box 540047
Waltham, MA 02454
To view your CD maturity date in Online Banking or our mobile app, click into your account, then select Details & Settings.
To rename your account, select the 3 vertical dots next to your account on the Accounts page, then select Nickname. Enter your new nickname and click Save.
To sort your accounts, select and hold the 6 dots and drag your accounts into the order you would like.
You may also favorite and unfavorite your accounts to choose which will show on the Accounts page.
For more details on our personal savings accounts, please refer to our disclosures.
11, 2, 3, 5 Year or 3, 6 Month Certificates of Deposit. Rates effective as of 7/1/26 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.