Ion Bank CD Rates — October 2026
As of October 22, 2026, Ion Bank's highest tracked CD rate is 4.00% APY on a 25-month CD ($500 minimum). That is 2.6 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 0.80% to 4.00% APY.
Tracking began .
Ion Bank CD rates
Published certificate rates from 3 to 60 months, including 10- and 25-month specials. Early withdrawal penalties may apply.
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are Ion Bank's best CD rates by term?
Ion Bank's best rate is 4.00% APY on 25 months, verified October 22, 2026.
- 3 mo3.70%
- 6 mo1.00%
- 9 mo1.00%
- 10 mo3.75%
- 12 mo1.00%
- 18 mo1.00%
- 24 mo1.00%
- 25 mo4.00%
- 30 mo0.80%
- 36 mo0.85%
- 48 mo0.85%
- 60 mo1.00%
How much interest could a Ion Bank CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$850.92 interest · $10,850.92 at maturity on $10,000.00.
4.00% APY · 25 months · Certificate of Deposit · Standard · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $45.503.70% APY · Certificate of Deposit · Standard | $90.993.70% APY · Certificate of Deposit · Standard | $227.483.70% APY · Certificate of Deposit · Standard | $454.963.70% APY · Certificate of Deposit · Standard |
| 6 months | $25.011.00% APY · Certificate of Deposit · Standard | $50.011.00% APY · Certificate of Deposit · Standard | $125.031.00% APY · Certificate of Deposit · Standard | $250.061.00% APY · Certificate of Deposit · Standard |
| 9 months | $37.491.00% APY · Certificate of Deposit · Standard | $74.981.00% APY · Certificate of Deposit · Standard | $187.441.00% APY · Certificate of Deposit · Standard | $374.881.00% APY · Certificate of Deposit · Standard |
| 10 months | $155.683.75% APY · Certificate of Deposit · Standard | $311.363.75% APY · Certificate of Deposit · Standard | $778.413.75% APY · Certificate of Deposit · Standard | $1,556.823.75% APY · Certificate of Deposit · Standard |
| 12 months | $50.001.00% APY · Certificate of Deposit · Standard | $100.001.00% APY · Certificate of Deposit · Standard | $250.001.00% APY · Certificate of Deposit · Standard | $500.001.00% APY · Certificate of Deposit · Standard |
| 18 months | $75.261.00% APY · Certificate of Deposit · Standard | $150.511.00% APY · Certificate of Deposit · Standard | $376.281.00% APY · Certificate of Deposit · Standard | $752.561.00% APY · Certificate of Deposit · Standard |
| 24 months | $100.501.00% APY · Certificate of Deposit · Standard | $201.001.00% APY · Certificate of Deposit · Standard | $502.501.00% APY · Certificate of Deposit · Standard | $1,005.001.00% APY · Certificate of Deposit · Standard |
| 25 months | $425.464.00% APY · Certificate of Deposit · Standard | $850.924.00% APY · Certificate of Deposit · Standard | $2,127.314.00% APY · Certificate of Deposit · Standard | $4,254.614.00% APY · Certificate of Deposit · Standard |
| 30 months | $100.660.80% APY · Certificate of Deposit · Standard | $201.310.80% APY · Certificate of Deposit · Standard | $503.280.80% APY · Certificate of Deposit · Standard | $1,006.560.80% APY · Certificate of Deposit · Standard |
| 36 months | $128.590.85% APY · Certificate of Deposit · Standard | $257.170.85% APY · Certificate of Deposit · Standard | $642.930.85% APY · Certificate of Deposit · Standard | $1,285.870.85% APY · Certificate of Deposit · Standard |
| 48 months | $172.180.85% APY · Certificate of Deposit · Standard | $344.360.85% APY · Certificate of Deposit · Standard | $860.900.85% APY · Certificate of Deposit · Standard | $1,721.800.85% APY · Certificate of Deposit · Standard |
| 60 months | $255.051.00% APY · Certificate of Deposit · Standard | $510.101.00% APY · Certificate of Deposit · Standard | $1,275.251.00% APY · Certificate of Deposit · Standard | $2,550.501.00% APY · Certificate of Deposit · Standard |
How Ion Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 760-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 7 of 13 tracked institutions with fresh 760-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| Ion Bank (this institution)Certificate of Deposit · Standard | 25 months | $500 | Coverage: CT, NJ | 4.00% | October 22, 2026 |
| Fulton BankCertificate of Deposit Promo - New Money · Promotional | 25 months | $10,000 | Coverage: DE, MD, NJ, PA, VA | 4.00% | October 22, 2026 |
| EverBankEverBank Performance® CDs · Standard | 25 months | Not stated | Nationwide; check eligibility | 3.65% | October 22, 2026 |
| Dupaco Community Credit Union (highest tracked APY for this term)25 Month Fixed Jumbo Certificate Special · Promotional | 25 months | $100,000 | Coverage: IA, IL, WI | 4.50% | October 22, 2026 |
| Treasury (APY-equivalent) | 25 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.87% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Ion Bank on October 22, 2026.
About Ion Bank
- Legal name
- Ion Bank
- Regulator ID
- FDIC 18198
- Headquarters
- Naugatuck, CT
- Available in
- CT, NJ
- Total assets
- $2.8 billion
- Also known as
- Website
- www.ionbank.com
Source: rates read from https://ionbank.com/rates/deposit-rates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at Ion Bank?
Among the rates we track, 4.00% APY on a 25-month CD, as of October 22, 2026.
What is the minimum deposit for a Ion Bank CD?
The lowest minimum we found is $500.
How does Ion Bank's best CD rate compare with Treasury yields?
4.00% APY is −0.87% versus the 25-month Treasury yield of 4.87% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.00% a good CD rate?
It is 2.6 times the FDIC national average for a similar term (1.55% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Ion Bank CDs insured?
Ion Bank is an FDIC-insured bank (FDIC 18198). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Ion Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Ion Bank's website and may change at any time. Confirm terms, minimums and eligibility with Ion Bank before opening an account. This page is not financial advice.