Bank · FDIC insured
Ion Bank CD Rates
Ion Bank’s best CD rate is 4.00% APY on a 25-month CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Ion Bank’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where Ion Bank has the most branches. $10,000, best rate first.
This bank’s best
Ion Bank
4.00%APY
- Term
- 25 months
- Minimum
- $500
- Earns on $10,000
- $851
Certificates of Deposit
Top rate
Liberty Bank of New Jersey
5.00%APY
- Term
- 4 months
- Minimum
- $1,000
- Earns on $10,000
- $164
2nd-highest rate
Palisades Credit Union
5.00%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $457
Ion Bank CD score
82
CD score
Higher than 58% of U.S. banks and credit unions
- 3–8 months3–8 mo3.70%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo1.00%
- QualifiedQualified4.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Ion Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 4.00%APY · 12 terms
Select a term from 3 to 60 months. Interest is compounded and credited monthly, and may be withdrawn before maturity. Fixed rate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.70% | $91 |
| 6 months | 1.00% | $50 |
| 9 months | 1.00% | $75 |
| 10 monthsThis account is for consumers only with a $250,000.00 deposit limit | 3.75% | $312 |
| 12 months | 1.00% | $100 |
| 18 months | 1.00% | $150 |
| 24 months | 1.00% | $201 |
| 25 monthsThis account is for consumers only with a $250,000.00 deposit limit | 4.00% | $851 |
| 30 months | 0.80% | $201 |
| 36 months | 0.85% | $257 |
| 48 months | 0.85% | $344 |
| 60 months | 1.00% | $510 |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
IRA Accounts
Up to 4.00%APY · 12 terms
Available as Traditional IRA or Roth IRA. Traditional IRA is a Certificate of Deposit (CD) account with a 3 to 60-month term that grows tax-deferred until withdrawn; contributions may be tax-deductible (withdrawals taxable). Roth IRA allows contributions of after-tax dollars to grow tax-deferred with tax-free qualified distributions. If under age 70 1/2 with employment-related income, qualified to contribute to Traditional IRA.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.70% | $91 |
| 6 months | 1.00% | $50 |
| 9 months | 1.00% | $75 |
| 10 monthsThis account is for consumers only with a $250,000.00 deposit limit | 3.75% | $312 |
| 12 months | 1.00% | $100 |
| 18 months | 1.00% | $150 |
| 24 months | 1.00% | $201 |
| 25 monthsThis account is for consumers only with a $250,000.00 deposit limit | 4.00% | $851 |
| 30 months | 0.80% | $201 |
| 36 months | 0.85% | $257 |
| 48 months | 0.85% | $344 |
| 60 months | 1.00% | $510 |
Sources (2)
All captured Oct 15, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.