APY Ledger rate-source excerpt. APY Ledger is an independent rate tracker, not affiliated with this institution.
Lines containing rates, copied from the public page below; open that page for full terms. Never enter account details on apyledger.com.

Source: https://ionbank.com/rates/deposit-rates/
Read: 2026-10-22T16:22:55.000Z

Consumer Deposit Rates CT & NJ | Checking, Investment & Savings Accounts | Ion Bank Skip to main content Home » Rates » Consumer Deposit Rates
From Savings, Checking and Money Market accounts to Certificates of Deposit and IRAs, a great rate can be found at Ion Bank. Don’t spend time shopping around. Instead, find optimal interest for all of your savings needs. Interest rate and APY 1 are based on tier or term.
Checking Accounts | CD & IRA Accounts | Savings Accounts
Column one has the associated rate type, other columns show the interest rate and APY for each rate.
Rate Type | Minimum Balance to earn APY | Interest Rate | APY 1
Tier I | $50.00 – $999.99 | 0.05% | 0.05%
Tier II | $1,000.00 -$9,999.99 | 0.10% | 0.10%
Tier III | $10,000.00 and Over | 0.20% | 0.20%
Minimum Balance to open and earn APY $500.00
Column one has the associated rate type, other columns show the interest rate and APY for each rate.
Rate Type | Interest Rate | APY 1
3 Month Certificate | 3.64% | 3.70%
6 Month Certificate | 1.00% | 1.00%
9 Month Certificate | 1.00% | 1.00%
10 Month Certificate³ | 3.69% | 3.75%
12 Month Certificate | 1.00% | 1.00%
18 Month Certificate | 1.00% | 1.00%
24 Month Certificate | 1.00% | 1.00%
25 Month Certificate³ | 3.93% | 4.00%
30 Month Certificate | 0.80% | 0.80%
36 Month Certificate | 0.85% | 0.85%
48 Month Certificate | 0.85% | 0.85%
60 Month Certificate | 1.00% | 1.00%
Minimum Balance to open and earn APY $500.00
Column one has the associated rate type, other columns show the interest rate and APY for each rate.
Rate Type | Interest Rate | APY 1
3 Month Certificate | 3.64% | 3.70%
6 Month Certificate | 1.00% | 1.00%
9 Month Certificate | 1.00% | 1.00%
10 Month Certificate³ | 3.69% | 3.75%
12 Month Certificate | 1.00% | 1.00%
18 Month Certificate | 1.00% | 1.00%
24 Month Certificate | 1.00% | 1.00%
25 Month Certificate³ | 3.93% | 4.00%
30 Month Certificate | 0.80% | 0.80%
36 Month Certificate | 0.85% | 0.85%
48 Month Certificate | 0.85% | 0.85%
60 Month Certificate | 1.00% | 1.00%
Column one has the associated rate type, other columns show the interest rate and APY for each rate.
Rate Type | Minimum Balance to earn APY | Interest Rate | APY 1
Tier I | $50.00 – $9,999.99 | 0.45% | 0.45%
Tier II | $10,000.00 – $99,999.99 | 1.09% | 1.10%
Tier III | $100,000.00 – Over | 1.79% | 1.80%
Column one has the associated rate type, other columns show the interest rate and APY for each rate.
Rate Type | Minimum Balance to earn APY | Interest Rate | APY 1
Tier I | $50.00 -$9,999.99 | 0.05% | 0.05%
Tier II | $10,000.00 – $99,999.99 | 0.35% | 0.35%
Tier III | $100,000.00 – Over | 0.80% | 0.80%
Column one has the associated rate type, other columns show the interest rate and APY for each rate.
Rate Type | Minimum Balance to earn APY | Interest Rate | APY 1
Tier I | $50.00 – $9,9999.99 | 0.05% | 0.05%
Tier II | $10,000.00 – $99,999.99 | 0.10% | 0.10%
Tier III | $100,000.00 – Over | 0.20% | 0.20%
Column one has the associated rate type, other columns show the interest rate and APY for each rate.
Rate Type | Minimum Balance to earn APY | Interest Rate | APY 1
Tier I | $50.00 -$999.99 | 0.05% | 0.05%
Tier II | $1,000.00 -$4,999.99 | 0.05% | 0.05%
Tier III | $5,000.00 and Over | 0.10% | 0.10%
Column one has the associated rate type, other columns show the interest rate and APY for each rate.
Rate Type | Minimum Balance to earn APY | Interest Rate | APY 1
Tier I | $50.00 – $9,999.99 | 0.05% | 0.05%
Tier II | $10,000.00 -$99,999.99 | 0.40% | 0.40%
Tier III | $100,000.00 -$249,999.99 | 0.65% | 0.65%
Tier IV | $250,000.00 and Over | 1.14% | 1.15%
1 Any annual percentage yields (APY) provided above assumes interest will remain on deposit until maturity or for one year for accounts with maturities of less than one year. Interest will be compounded daily and credited monthly. Withdrawals and fees could reduce earnings on an account. Certificates of Deposit and IRA accounts may have a penalty imposed for early withdrawal. Rates are subject to change without notice. Interest rates on variable rate accounts may change after the account is opened. Account disclosures provided at the time an account is opened will provide additional information. Excluding Certificates of Deposit and IRA accounts, products listed are variable-rate accounts and your interest rate may change after you open your account.