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Ivy Bank provides you with nationally competitive market rates. With a quick and easy application process, you can apply for your account in minutes and earn 9x the national average savings account rate4.
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
Once you open your Ivy Bank account, you'll have immediate access to our sophisticated Money Management tool. With Money Management, you'll gain powerful insights into your full financial picture so that you can 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.