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Personal FinanceCertificates of Deposit (CDs)

Ivy Bank CD Rates 2025

Joseph Hostetler
By
Joseph Hostetler
Joseph Hostetler
Staff Writer, Personal Finance
Joseph Hostetler
By
Joseph Hostetler
Joseph Hostetler
Staff Writer, Personal Finance
August 19, 2025 at 6:28 PM UTC
The Ivy Bank logo on a green layered background.
Illustration by Fortune; original logo from Ivy Bank

If you like the idea of investing your savings but don’t like the idea of subjecting your hard-earned money to the uncertainty that stocks, crypto, etc. May bring, consider opening a certificate of deposit (CD). The best certificates of deposit offer over 4.00% annual percentage yield (APY), giving you the opportunity to earn a respectable amount of interest for extremely little effort. 

Ivy Bank offers competitive CD rates, particularly for its shortest-term options. That’s handy for those interested in building a high-yield CD ladder. If you can swallow the minimum opening deposit requirement, which isn’t prohibitive but is higher than some competitors, Ivy Bank CDs might be your ideal low-risk investment. 

Here’s what you need to know about Ivy Bank CD rates. 

Rates are current as of Aug. 19, 2025 and are subject to change.


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Powered byBankrate Logo
Best CD Rates for October 21, 2025
$
FEATURED OFFERS
APY
TERM
MIN. DEPOSIT
EST. EARNINGS
  • Marcus by Goldman Sachs
    14 months CD AccountMarcus by Goldman SachsMember FDIC
      APY
      4.10 %
      October 21, 2025
      TERM
      14mo
      MIN. DEPOSIT
      $ 500
      EST. EARNINGS
      $ 1025
      Over 1 year


    14 months CD AccountMarcus by Goldman SachsMember FDIC

    Offer expires 12/17. APY may change before CD is opened & funded.
  • NexBank
    1 year CD AccountNexBankMember FDIC
      APY
      3.80 %
      October 21, 2025
      TERM
      1yr
      MIN. DEPOSIT
      $ 25000
      EST. EARNINGS
      $ 950
      Over 1 year


    1 year CD AccountNexBankMember FDIC
  • Barclays
    9 months CD AccountBarclaysMember FDIC
      APY
      4.00 %
      October 21, 2025
      TERM
      9mo
      MIN. DEPOSIT
      $ 0
      EST. EARNINGS
      $ 1000
      Over 1 year


    9 months CD AccountBarclaysMember FDIC

...
Powered byBankrate Logo

Ivy Bank CD rates and products 

Ivy Bank offers only standard CDs with six different term lengths, from three months to five years. It doesn’t offer specialty accounts such as flexible, bump-up, jumbo, business, or IRA CDs. 

Standard CDs 

Ivy Bank offers some of the highest CD returns on the market as of this writing, up to 4.35% APY. Ivy Bank CDs aren’t for everyone, though. There are comparatively few term lengths to choose from—and you’ll be subject to a $1,000 minimum opening deposit.

Ivy Bank standard CD features

Minimum opening deposit$1,000
Early withdrawal penalty– 3-month term: All interest earned 
– 6-month term: 90 days’ simple interest 
– Terms of 1-3 years: 180 days’ simple interest 
– 5-year term: 270 days’ simple interest 
Additional deposits permittedNo
Automatic renewalYes
Renewal grace period10 days

Ivy Bank standard CD rates 

Term lengthAPY
3 months4.35%
6 months4.00%
1 year3.75%
2 years3.25%
3 years3.00%
5 years2.50%

Bank details checked Aug. 19, 2025



Compare Ivy Bank to top competitors 

There’s no shortage of financial institutions offering high CD rates. Depending on the term length you choose, Ivy Bank can be a great choice. Here’s a look at Ivy Bank against other popular banks. 


Ivy Bank
Discover Bank logo
Discover
Northern Bank Direct Logo
Northern Bank Direct
3 months3 months3 months
4.35%2.00%N/A
6 months6 months6 months
4.00%3.50%4.00%
12 months12 months12 months
3.75%4.00%3.25%
24 months24 months24 months
3.25%3.60%3.25%
36 months36 months36 months
3.00%3.60%3.25%
60 months60 months60 months
2.50%3.60%3.50%
Learn moreLearn moreLearn more
View offer
at MoneyLion
View offer
at MoneyLion
View offer
at Northern Bank Direct

Bank details checked Aug. 19, 2025

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Learn more about Ivy Bank 

Ivy Bank is a digital savings division of Cambridge Savings Bank, established in 1834. It’s 100% online, so it offers no physical branches. 

Ivy Bank isn’t a full-service financial institution; it specializes in CDs and high-yield savings accounts. You won’t find any checking, money market, or IRA account options. It also doesn’t offer personal or business loans. If you’re simply looking for a high-yield destination for your savings, Ivy Bank is worth a look. If you need anything more, bank elsewhere. 

Pro tip

Want to make the most out of your workhorse account? See our picks for the best checking accounts of 2025

Frequently asked questions 

What is the minimum deposit required for Ivy Bank CDs?

The minimum deposit required to open an Ivy Bank CD is $1,000. 

What are Ivy Bank’s CD early withdrawal penalties?

Ivy Bank’s CD early withdrawal penalties depend on the length of your account term. You’ll pay as much as 270 days’ simple interest.

Can I add money to my Ivy Bank CD after opening?

You cannot add money to your Ivy Bank CD after opening. You’ll have to wait until the account matures.

How is interest calculated and paid on Ivy Bank CDs?

Ivy Bank uses the daily balance method to calculate interest. Interest is compounded monthly.

Are Ivy Bank CDs FDIC insured?

Ivy Bank CDs are FDIC insured up to the maximum $250,000. 

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About the Author
Joseph Hostetler
By Joseph HostetlerStaff Writer, Personal Finance

Joseph is a staff writer on Fortune's personal finance team. He's covered personal finance since 2016, previously serving as a reporter and editor at sites like Business Insider and The Points Guy. He has also contributed to major outlets such as AP News, CNN, Newsweek, and many more.

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