Our Contact Center will close at 4:00 PM ET on Wednesday, December 31, and will resume regular business hours on Friday, January 2. Wishing you a wonderful holiday season!
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 10x 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, select the account under the Accounts header. Then, select Account Details to display the account rate and Annual Percentage Yield.
In Mobile Banking, select the account under the Accounts header and then select Details to display the account rate and Annual Percentage Yield.
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 form 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 hide, sort, and rename your accounts, click the 'Settings' button in Online Banking or click the gear icon in the mobile app.
For more details on our personal savings accounts, please refer to our disclosures.
1Rates effective as of 12/16/25. Minimum opening deposit of $2,500. The minimum balance to obtain the 4.10% 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 4.10% 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.