Bank · FDIC insured
Ives Bank CD Rates
Ives Bank’s best CD rate is 4.00% APY on a 7-month CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Ives Bank’s CD rates compare
Compared with banks and credit unions near Bridgeport, CT, where Ives Bank has the most branches. $10,000, best rate first.
This bank’s best
Ives Bank
4.00%APY
- Term
- 7 months
- Minimum
- $500
- Earns on $10,000
- $231
Certificate of Deposit Specials
Top rate
The First Bank of Greenwich
4.60%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $499
2nd-highest rate
Nutmeg State Financial Credit Union
4.60%APY
- Term
- 14 months
- Minimum
- $1,000
- Earns on $10,000
- $539
Ives Bank CD score
87
CD score
Higher than 77% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo3.00%
- 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 Ives 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.
Certificate of Deposit Specials
Up to 4.00%APY · 3 terms
Certificate of Deposit Specials (No Bonus Rate). Minimum of $500 is required to open a Certificate of Deposit and earn the advertised Annual Percentage yield. The Interest Rate and APY are fixed for the term of the account. The APY assumes interest remains on deposit until maturity. A withdrawal will reduce earnings. Substantial penalty for early withdrawal. Transaction limitations apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsFixed until maturity. Substantial penalty for early withdrawal | 4.00% | $231 |
| 13 monthsFixed until maturity. Substantial penalty for early withdrawal | 4.00% | $434 |
| 30 monthsFixed until maturity. Substantial penalty for early withdrawal | 3.10% | $793 |
Sources (1)
- ivesbank.com/personal/spend-save/certificates-of-deposit · captured Oct 4, 2026
Certificates of Deposit
Up to 4.00%APY · 9 terms
Minimum of $500 is required to open a Certificate of Deposit and earn the advertised Annual Percentage yield. The Interest Rate and APY are fixed for the term of the account. The APY assumes interest remains on deposit until maturity. A withdrawal will reduce earnings. Substantial penalty for early withdrawal. Transaction limitations apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsFixed until maturity. Substantial penalty for early withdrawal | 0.10% | $2 |
| 6 monthsFixed until maturity. Substantial penalty for early withdrawal | 3.00% | $149 |
| 9 monthsFixed until maturity. Substantial penalty for early withdrawal | 3.40% | $254 |
| 12 monthsFixed until maturity. Substantial penalty for early withdrawal | 2.00% | $200 |
| 18 monthsFixed until maturity. Substantial penalty for early withdrawal | 4.00% | $606 |
| 24 monthsFixed until maturity. Substantial penalty for early withdrawal | 3.00% | $609 |
| 36 monthsFixed until maturity. Substantial penalty for early withdrawal | 3.00% | $927 |
| 48 monthsFixed until maturity. Substantial penalty for early withdrawal | 2.50% | $1,038 |
| 60 monthsFixed until maturity. Substantial penalty for early withdrawal | 2.50% | $1,314 |
Sources (1)
- ivesbank.com/personal/spend-save/certificates-of-deposit · captured Oct 4, 2026
Smart Choice Liquid CD
2.75%APY · 1 term
Minimum of $50,000 required to open and earn the advertised Annual Percentage Yield. Maximum balance is $250,000. The Interest Rate and APY are fixed for the term of the account. The APY assumes interest remains on deposit until maturity. A withdrawal will reduce earnings. Deposits may be made in increments of $1,000 or greater. Principal may be withdrawn in increments of $1,000 or more, however, a withdrawal of funds within seven calendar days of their deposit or within seven calendar days of any prior withdrawal is subject to a penalty. If the withdrawal brings the account below the required minimum balance of $50,000, the account will be closed, and a penalty will be imposed on the required minimum balance. Other early withdrawal penalties may apply. Deposits and withdrawals must be made in person.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMatures after 6 months. Minimum $50,000 to open and earn APY; maximum balance $250,000. Deposits and principal withdrawals in increments of $1,000+ in person; penalty if within 7 calendar days of deposit or prior withdrawal | 2.75% | — |
Sources (1)
- ivesbank.com/personal/spend-save/certificates-of-deposit · 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.