Ion Bank rates: up to 4.00% APY
bank · FDIC CERT 18198 · www.ionbank.com/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Health Savings Account | Tier I · $50.00 -$999.99 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings Account | Tier II · $1,000.00 -$4,999.99 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings Account | Tier III · $5,000.00 and Over | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Ka-Ching! Savings Account | Tier I · $50.00 – $9,999.99 | 0.45% | APY | 2026-11-01 | since 2026-11-01 | |
| Ka-Ching! Savings Account | Tier II · $10,000.00 – $99,999.99 | 1.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Ka-Ching! Savings Account | Tier III · $100,000.00 – Over | 1.80% | APY | 2026-11-01 | since 2026-11-01 | |
| Statement Savings | Tier I · $50.00 -$9,999.99 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Statement Savings | Tier II · $10,000.00 – $99,999.99 | 0.35% | APY | 2026-11-01 | since 2026-11-01 | |
| Statement Savings | Tier III · $100,000.00 – Over | 0.80% | APY | 2026-11-01 | since 2026-11-01 | |
| eSavings | Tier II · $10,000.00 – $99,999.99 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| eSavings | Tier III · $100,000.00 – Over | 0.20% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| 3 Month Certificate | 3 months | 3.70% | APY | 2026-11-01 | since 2026-11-01 | |
| 6 Month Certificate | 6 months | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 9 Month Certificate | 9 months | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 10 Month Certificate | 10 months | 3.75% | APY | 2026-11-01 | since 2026-11-01 | |
| 12 Month Certificate | 1 year | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 18 Month Certificate | 18 months | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 24 Month Certificate | 2 years | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 25 Month Certificate | 25 months | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 30 Month Certificate | 30 months | 0.80% | APY | 2026-11-01 | since 2026-11-01 | |
| 36 Month Certificate | 3 years | 0.85% | APY | 2026-11-01 | since 2026-11-01 | |
| 48 Month Certificate | 4 years | 0.85% | APY | 2026-11-01 | since 2026-11-01 | |
| 60 Month Certificate | 5 years | 1.00% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Money Market | Tier I · $50.00 – $9,999.99 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market | Tier II · $10,000.00 -$99,999.99 | 0.40% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market | Tier III · $100,000.00 -$249,999.99 | 0.65% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market | Tier IV · $250,000.00 and Over | 1.15% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Preferred Checking with Interest | Tier I · $50.00 – $999.99 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Preferred Checking with Interest | Tier II · $1,000.00 -$9,999.99 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Preferred Checking with Interest | Tier III · $10,000.00 and Over | 0.20% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.ionbank.com/rates/deposit-rates/ | 2026-11-01 18:04 UTC | ok | 298b8fb7dc51 |
| www.ionbank.com/rates/ | — | extract-failed | |
| www.ionbank.com/rates/smart-e-rates/ | — | extract-failed |