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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.

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

Grow your savings with our market competitive High-Yield Certificates 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.

a background pattern of the ivy bank logo

High-Yield
Certificates of Deposit

3.85%APY1

Market-Leading Rates

Terms

3 month

Open an Account

High-Yield
Certificates of Deposit

3.75%APY1

Market-Leading Rates

Terms

6 month

Open an Account

High-Yield
Certificates of Deposit

3.50%APY1

Market-Leading Rates

Terms

1 year

Open an Account

High-Yield
Certificates of Deposit

3.00%APY1

Market-Leading Rates

Terms

2 year

Open an Account

High-Yield
Certificates of Deposit

2.75%APY1

Market-Leading Rates

Terms

3 year

Open an Account

High-Yield
Certificates of Deposit

2.50%APY1

Market-Leading Rates

Terms

5 year

Open 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 for an Account 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.

Open an Account

Competitive Options

3.85%APY1
3 Month CD
3.75%APY1
6 Month CD
3.50%APY1
1 Year CD
3.00%APY1
2 Year CD
Open an Account

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.

 

Computer and phone with Money Management Screenshots

CD Account FAQs

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: 

  1. 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.

     

  2. Notifying us of changes through secure email within Online or Mobile Banking.
  3. Call us at 855.489.2265
  4. Completing the Certificate of Deposit Authorization to Change form which is mailed 45 days in advance of your CD maturity. 

 

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.

See more FAQs

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 3/12/26 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.