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

¹Rates effective as of 7/1/25. Minimum opening deposit of $2,500. The minimum balance to obtain the 4.25% 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 4.25% 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.