# Ion Bank CD rates

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.

Canonical page: https://apyledger.com/cd-rates/ion-bank
Institution: Ion Bank (FDIC 18198)
Aliases: 
Status: live
Last verified: 2026-10-22T16:22:55.000Z (October 22, 2026)
Official source: https://ionbank.com/rates/deposit-rates/
Coverage: Published certificate rates from 3 to 60 months, including 10- and 25-month specials. Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate of Deposit | standard | 3 months | $500 | 3.70% | Not ZIP-priced | −0.59% | 2026-10-22T16:22:55.000Z | [Snapshot 364](https://apyledger.com/snapshots/364) |
| Certificate of Deposit | standard | 6 months | $500 | 1.00% | Not ZIP-priced | −3.40% | 2026-10-22T16:22:55.000Z | [Snapshot 364](https://apyledger.com/snapshots/364) |
| Certificate of Deposit | standard | 9 months | $500 | 1.00% | Not ZIP-priced | −3.48% | 2026-10-22T16:22:55.000Z | [Snapshot 364](https://apyledger.com/snapshots/364) |
| Certificate of Deposit | standard | 10 months | $500 | 3.75% | Not ZIP-priced | −0.76% | 2026-10-22T16:22:55.000Z | [Snapshot 364](https://apyledger.com/snapshots/364) |
| Certificate of Deposit | standard | 12 months | $500 | 1.00% | Not ZIP-priced | −3.57% | 2026-10-22T16:22:55.000Z | [Snapshot 364](https://apyledger.com/snapshots/364) |
| Certificate of Deposit | standard | 18 months | $500 | 1.00% | Not ZIP-priced | −3.72% | 2026-10-22T16:22:55.000Z | [Snapshot 364](https://apyledger.com/snapshots/364) |
| Certificate of Deposit | standard | 24 months | $500 | 1.00% | Not ZIP-priced | −3.87% | 2026-10-22T16:22:55.000Z | [Snapshot 364](https://apyledger.com/snapshots/364) |
| Certificate of Deposit | standard | 25 months | $500 | 4.00% | Not ZIP-priced | −0.87% | 2026-10-22T16:22:55.000Z | [Snapshot 364](https://apyledger.com/snapshots/364) |
| Certificate of Deposit | standard | 30 months | $500 | 0.80% | Not ZIP-priced | −4.11% | 2026-10-22T16:22:55.000Z | [Snapshot 364](https://apyledger.com/snapshots/364) |
| Certificate of Deposit | standard | 36 months | $500 | 0.85% | Not ZIP-priced | −4.10% | 2026-10-22T16:22:55.000Z | [Snapshot 364](https://apyledger.com/snapshots/364) |
| Certificate of Deposit | standard | 48 months | $500 | 0.85% | Not ZIP-priced | −4.13% | 2026-10-22T16:22:55.000Z | [Snapshot 364](https://apyledger.com/snapshots/364) |
| Certificate of Deposit | standard | 60 months | $500 | 1.00% | Not ZIP-priced | −4.01% | 2026-10-22T16:22:55.000Z | [Snapshot 364](https://apyledger.com/snapshots/364) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.