Bank · FDIC insured
Ion Bank Savings Rates
Ion Bank’s best savings rate is 0.40% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Ion Bank’s savings 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
0.40%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $40
Money Market Account
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
Ion Bank savings score
75
Savings score
Higher than 38% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.40%
- $100,000 balance$100,0000.80%
- QualifiedQualified0.40%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Ka-Ching! Savings Account
1.10%APY
Requires an Ion Bank personal checking account with an Ion Bank Debit Mastercard. For every purchase over $50, the amount of cents in the transaction is deposited into the Ka-Ching! Savings Account. Minimum of one Ion Bank Debit Mastercard purchase of more than $50.00 per statement cycle is required to be eligible for the Ka-Ching! Savings Account interest rate, otherwise the interest rate may revert to the Statement Savings Account interest rate.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Tier I | 0.45% | — | Tier I |
| $10,000 – $100,000Tier II | 1.10% | $110 | Tier II |
| $100,000 and upTier III | 1.80% | — | Tier III |
Sources (3)
- ionbank.com/personal-banking/savings
- ionbank.com/personal-banking/savings/ka-ching-program
- ionbank.com/rates/deposit-rates
All captured Oct 4, 2026
Money Market Account
0.40%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.05% | — |
| $10,000 – $100,000 | 0.40% | $40 |
| $100,000 – $250,000 | 0.65% | — |
| $250,000 and up | 1.15% | — |
Sources (2)
All captured Oct 4, 2026
Statement Savings
0.35%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Tier I | 0.05% | — | Tier I |
| $10,000 – $100,000Tier II | 0.35% | $35 | Tier II |
| $100,000 and upTier III | 0.80% | — | Tier III |
Sources (3)
- ionbank.com/personal-banking/savings
- ionbank.com/personal-banking/savings/statement-savings
- ionbank.com/rates/deposit-rates
All captured Oct 4, 2026
eSavings
Up to 0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000Tier I | 0.05% | $5 | Tier I |
| $10,000 – $100,000Tier II | 0.10% | $10 | Tier II |
| $100,000 and upTier III | 0.20% | — | Tier III |
Sources (1)
- ionbank.com/rates/deposit-rates · captured Oct 4, 2026
Special-purpose accounts
Health Savings Account
0.10%APY
Tax-advantaged high-deductible health savings account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Tier I; No set up fees, no monthly or annual fees | 0.05% | — | Tier I; No set up fees, no monthly or annual fees |
| $1,000 – $5,000Tier II; No set up fees, no monthly or annual fees | 0.05% | — | Tier II; No set up fees, no monthly or annual fees |
| $5,000 and upTier III; No set up fees, no monthly or annual fees | 0.10% | $10 | Tier III; No set up fees, no monthly or annual fees |
Sources (3)
- ionbank.com/personal-banking/savings
- ionbank.com/personal-banking/s…s/health-savings-account
- ionbank.com/rates/deposit-rates
All captured Oct 4, 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.