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

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.

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Save more today with a
High-Yield Savings Account.

3.85%APY1
With A $2,500 Minimum Balance
Open an Account
outside of a cambridge savings bank branch

Backed by a bank with over 192 years of experience.

Backed by the strength and stability of Cambridge Savings Bank, a trusted financial institution based in the greater Boston area, Ivy Bank was created with the goal of helping to improve your financial well-being by offering user-friendly higher-interest rate products, exceptional digital experiences, and personalized service.

Access your Ivy Bank accounts on-the-go with our mobile banking app.

Download Mobile App on Apple App Store Button     Download Mobile App on Google Play Button

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Why You'll Love Banking With Us

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Apply for an
account in minutes

Opening an account 
online is easy.

Mobile and online

Mobile and
online

Convenient features that help you bank from your device.

No unexpected charges

No unexpected
charges

You won’t be thrown off by a charge you weren't expecting.

FDIC Insured

FDIC Insured2

A trusted partnership with over 192 years of financial success.

 

Great rates

Great rates

Competitive market rates that help your money grow.

Transfer funds

Transfer funds

Make transfers3 between your Ivy Bank accounts and your external accounts.

Pick The Savings Option That Helps Meet Your Needs

3.85%APY1

High-Yield Savings Account

Our High-Yield Savings Account offers you our best rate to bring you the highest return on your savings.
  • $2,500 minimum opening balance
  • $2,500 minimum balance to earn rate and APY
  • FDIC Insured
Open a High-Yield Savings Account
3.50%APY4

1 Year Certificate of Deposit

Our 1 Year CD offers you a safe and secure way to grow your funds at a competitive market rate.
  • Guaranteed returns for the length of the term
  • $1,000 minimum opening balance
  • FDIC Insured
Open a 1 Year Certificate of Deposit

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.

4Rates effective as of 2/18/26 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. Fees may reduce earnings. For more information, please refer to our disclosures.