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 an Ivy Bank High-Yield Savings Account—FDIC insured, backed by 192 years of trust, and supported by real people.
Ivy Bank is a division of Cambridge Savings Bank, a long-standing community bank established in 1834.
Feel confident knowing your deposits are FDIC Insured2 and backed by 192 years of financial stability.
Ivy Bank is a division of Cambridge Savings Bank, a long-standing community bank established in 1834.
Feel confident knowing your deposits are FDIC Insured2 and backed by 192 years of financial stability.
Applying for an account is easy. Complete the application in minutes to get started.
1
Click Apply Now 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.3
Ivy Bank is proud to be backed by Cambridge Savings Bank, a well-established community bank that has been helping customers improve their financial well-being since 1834 throughout the greater Boston area. The $7 billion financial institution started Ivy Bank to bring that same goal to customers throughout the United States by offering competitive higher-interest rate savings products, an exceptional digital experience, and money management tools that enable you to interact with your finances in a meaningful way.
In Online Banking and our mobile app, the Annual Percentage Yield (APY) displays on the Accounts page below the Current Balance. Click into the Account and then select Details & Settings to view all of your account details.
Transfers and withdrawals from Ivy Bank Savings accounts may be limited to a total of six per calendar month. Withdrawals and transfers made from your account shall only be made payable to one or more of the owners of the account from which the withdrawal or transfer was made. See the Ivy Bank Understanding Your Deposit Account Handbook for details.
You can fund your account via:
You can make deposits to your account via:
See the Ivy Bank Understanding Your Deposit Account Handbook for details.
You can withdraw money from your account via eTransfer, Domestic Wire Transfer or Treasurer’s Check. Withdrawals and transfers made from your account shall only be made payable to one or more of the owners of the account from which the withdrawal or transfer was made. See the Ivy Bank Understanding Your Deposit Account Handbook for details.
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.
1Rates effective as of 2/18/26. Minimum opening deposit of $2,500. The minimum balance to obtain the 3.85% Annual Percentage Yield (APY) is $2,500. If your balance is between $10 - $2,499.99, the interest rate is 0.05% and the APY is 0.05%. The maximum account balance to receive the 3.85% APY is $1,000,000. This is a tiered variable rate account, and rates may change after the account is opened. Fees may reduce earnings.
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.
3Transfers and withdrawals from Ivy Bank savings accounts may be limited to a total of six per calendar month. Withdrawals and transfers shall only be made payable to one or more of the owners of the account.
4The National Savings Account Average is calculated monthly by the Federal Deposit Insurance Corporation (FDIC) and can be found on FDIC.gov.