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ives Bank Rates & Review November 2026

Q: What are the current interest rates at ives Bank?

Current rates for ives Bank include: 12-Month CD: 2.00%, 18-Month CD: 4.00%, 24-Month CD: 3.00%, 36-Month CD: 3.00%, 48-Month CD: 2.50%, 60-Month CD: 2.50%, Savings: 0.25%, MMA: 0.15%

Q: What CD terms does ives Bank offer?

ives Bank CD rates are 4.00% APY for a 7 month CD, 3.40% APY for a 9 month CD, 2.00% APY for a 12 month CD, 4.00% APY for a 13 month CD, 4.00% APY for an 18 month CD, 3.00% APY for a 2 year CD, 3.10% APY for a 30 month CD, 3.00% APY for a 3 year CD, 2.50% APY for a 4 year CD and 2.50% APY for a 5 year CD, verified by MonitorBankRates as of November 7, 2026. The institution may offer other terms or specials that are not listed here, so check with ives Bank for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 7, 2026

ives Bank's CD - 18-Month rates are at 4.00%, CD Specials - 13-Month rates are at 4.00%, CD Specials - 7-Month rates are at 4.00%, CD - 9-Month rates are at 3.40%, CD Specials - 30-Month rates are at 3.10%. ives Bank's savings rates are at 0.25%. ives Bank's money market rates are at 0.15%. ives Bank's checking rates are as high as 0.15%. ives Bank's 15 Year Fixed Rate rates are at 6.50%, 30 Year Fixed Rate rates are at 6.875%. ives Bank's Auto Loan Rates are as low as 7.99%. ives Bank's top CD rate of 4.00% APY on an 18 month CD is 36% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has an A health rating. MonitorBankRates evaluates the financial stability of ives Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.25%. Rates last updated and verified on 11/07/2026.

ives Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at ives Bank? Share your experience about ives Bank by leaving a review below, or read customer reviews before you decide to use ives Bank.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

8.25%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

Ives Bank

220 Main St
Danbury, CT 06810

https://www.ivesbank.com/

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

ives Bank CD Rates

Product	Rate	APY	Term	Min. Deposit
CD - 18-Month	-	4.00%	18 Month	$500
Min Deposit $500 Min Balance $500 Details Until Maturity; Fixed rate until maturity Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
CD Specials - 13-Month	-	4.00%	13 Month	$500
Min Deposit $500 Min Balance $500 Details No bonus rate; Interest rate in effect until maturity; Effective Date: October 22, 2026 Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
CD Specials - 7-Month	-	4.00%	7 Month	$500
Min Deposit $500 Min Balance $500 Details No bonus rate; Interest rate in effect until maturity; Effective Date: October 22, 2026 Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
CD - 9-Month	3.30%	3.40%	9 Month	$500
Min Deposit $500 Min Balance $500 Details Until Maturity; Fixed rate until maturity Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 3.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
CD Specials - 30-Month	3.02%	3.10%	30 Month	$500
Min Deposit $500 Min Balance $500 Details No bonus rate; Interest rate in effect until maturity; Effective Date: October 22, 2026 Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 3.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
CD - 2-Year	2.92%	3.00%	2 Year	$500
Min Deposit $500 Min Balance $500 Details Until Maturity; Fixed rate until maturity Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
CD - 3-Year	2.92%	3.00%	3 Year	$500
Min Deposit $500 Min Balance $500 Details Until Maturity; Fixed rate until maturity Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
CD - 6-Month	2.92%	3.00%	6 Month	$500
Min Deposit $500 Min Balance $500 Details Until Maturity; Fixed rate until maturity Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
CD - 6-Month Smart Choice Liquid CD	2.68%	2.75%	6 Month	$50,000
Min Deposit $50,000 Min Balance $50,000 Details Until Maturity; Fixed rate until maturity Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 2.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
CD - 4-Year	2.44%	2.50%	4 Year	$500
Min Deposit $500 Min Balance $500 Details Until Maturity; Fixed rate until maturity Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
CD - 5-Year	2.44%	2.50%	5 Year	$500
Min Deposit $500 Min Balance $500 Details Until Maturity; Fixed rate until maturity Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
CD - 12-Month	1.96%	2.00%	12 Month	$500
Min Deposit $500 Min Balance $500 Details Until Maturity; Fixed rate until maturity Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 2.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
CD - 3-Month	0.10%	0.10%	3 Month	$500
Min Deposit $500 Min Balance $500 Details Until Maturity; Fixed rate until maturity Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%

ives Bank Savings Rates

Product	Rate	APY
Holiday Savings Club	0.25%	0.25%
Min Deposit $10 Min Balance $10 Details Interest Compound: N/A; Interest Credited: At Maturity Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
Vacation Savings Club	0.25%	0.25%
Min Deposit $10 Min Balance $10 Details Interest Compound: N/A; Interest Credited: At Maturity Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
Money Market Savings	0.05%	0.05%
Min Deposit $50 Min Balance $2,500 Details Balance: $2,500 And Up; Interest Compound: Continuous; Interest Credited: Monthly Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
Money Market Savings	0.03%	0.03%
Min Deposit $50 Min Balance $5 Details Balance: $5.00 - $2,499.99; Interest Compound: Continuous; Interest Credited: Monthly Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.03% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
Passbook Savings	0.03%	0.03%
Min Deposit $10 Min Balance $5 Details Interest Compound: Continuous; Interest Credited: Monthly Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.03% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
Statement Savings	0.03%	0.03%
Min Deposit $10 Min Balance $5 Details Interest Compound: Continuous; Interest Credited: Monthly Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.03% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%

ives Bank Business Savings Rates

Product	Rate	APY	View More
Business Statement Savings	0.03%	0.03%
Min Deposit $10 Min Balance $5 Details Interest Compounded: Continuous; Interest Credited: Monthly; Effective Date: October 22, 2026 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.03% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%

ives Bank Money Market Rates

Product	Rate	APY
Money Market Choice	0.15%	0.15%
Min Deposit $50 Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.15% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
Money Market Choice	0.15%	0.15%
Min Deposit $50 Min Balance $500,000 Details Balance: $500,000 And Up Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.15% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
Money Market Choice	0.10%	0.10%
Min Deposit $50 Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
Money Market Choice	0.05%	0.05%
Min Deposit $50 Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
Money Market Choice	0.05%	0.05%
Min Deposit $50 Min Balance $50,000 Details Balance: $50,000 - $99,999.999 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
Money Market Savings	0.05%	0.05%
Min Deposit $50 Min Balance $2,500 Details Balance: $2,500 And Up; Interest Compound: Continuous; Interest Credited: Monthly Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
Money Market Choice	0.03%	0.03%
Min Deposit $50 Min Balance $0 Details Balance: $0.01 - $9,999.99 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.03% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
Money Market Savings	0.03%	0.03%
Min Deposit $50 Min Balance $5 Details Balance: $5.00 - $2,499.99; Interest Compound: Continuous; Interest Credited: Monthly Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.03% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%

ives Bank Business Money Market Rates

Product	Rate	APY
Business Money Market	0.15%	0.15%
Min Deposit $50 Min Balance $250,000 Details Balance: $250,000 - $499,999.999; Interest Compounded: Continuous; Interest Credited: Monthly Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.15% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
Business Money Market	0.15%	0.15%
Min Deposit $50 Min Balance $500,000 Details Balance: $500,000 - $999,999.99; Interest Compounded: Continuous; Interest Credited: Monthly Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.15% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
Business Money Market	0.15%	0.15%
Min Deposit $50 Min Balance $1,000,000 Details Balance: $1,000,000 And Up; Interest Compounded: Continuous; Interest Credited: Monthly Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.15% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
Business Money Market	0.10%	0.10%
Min Deposit $50 Min Balance $100,000 Details Balance: $100,000 - $249,999.999; Interest Compounded: Continuous; Interest Credited: Monthly Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
Business Money Market	0.05%	0.05%
Min Deposit $50 Min Balance $0 Details Balance: $0 - $24,999.99; Interest Compounded: Continuous; Interest Credited: Monthly Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
Business Money Market	0.05%	0.05%
Min Deposit $50 Min Balance $25,000 Details Balance: $25,000 - $99.999.99; Interest Compounded: Continuous; Interest Credited: Monthly Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%

ives Bank Checking Rates

Product	Rate	APY
Non-Profit Checking +	0.10%	0.15%
Min Deposit $50 Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
Non-Profit Checking +	0.15%	0.15%
Min Deposit $50 Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
Non-Profit Checking +	0.15%	0.15%
Min Deposit $50 Min Balance $500,000 Details Balance: $500,000 And Up Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
Priority Now Checking	0.10%	0.10%
Min Deposit $50 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
Priority Now Checking	0.10%	0.10%
Min Deposit $50 Min Balance $50,000 Details Balance: $50,000 and up Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
Now Checking	0.05%	0.05%
Min Deposit $50 Min Balance $1,000 Details Minimum Balance to Earn APY: $1,000; Effective Date: October 22, 2026; Interest rate and APY are variable and may change after the account is opened Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
Priority Now Checking	0.05%	0.05%
Min Deposit $50 Min Balance $1,000 Details Balance: $1,000 - $9,999.99 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
Priority Now Checking	0.05%	0.05%
Min Deposit $50 Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%

ives Bank Mortgage Rates

Product	Rate	Points	APR
15 Year Fixed Rate	6.50%	0.00%	6.582%
Details Down Payment: 20% Last Updated 11/07/2026 Rate History 1 change since Oct 14, 2026 · 6.33% → 6.58% ▲ 0.25 pts · high 6.58% / low 6.33% Oct 22, 20266.58%▲ from 6.33% Oct 14, 20266.33%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
30 Year Fixed Rate	6.875%	0.00%	6.927%
Details Down Payment: 20% Last Updated 11/07/2026 Rate History 1 change since Oct 14, 2026 · 6.68% → 6.93% ▲ 0.25 pts · high 6.93% / low 6.68% Oct 22, 20266.93%▲ from 6.68% Oct 14, 20266.68%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%

ives Bank Auto Loan Rates

Product	Rate	Points	APR	Term
Auto - Used 2021-2025	-	-	7.99%	36 Months
Details Max Loan: 50,000; Max LTV: 80; Payment $313.32 based on max term Last Updated 11/07/2026 Rate History No change since Sep 16, 2026 · 7.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
Auto - New	-	-	8.25%	60 Months
Details Max Loan: 50,000; Max LTV: 100; Payment $203.96 based on max term Last Updated 11/07/2026 Rate History No change since Sep 16, 2026 · 8.25% APR · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
Auto - Used 2022-2025	-	-	8.99%	48 Months
Details Max Loan: 50,000; Max LTV: 80; Payment $248.80 based on max term Last Updated 11/07/2026 Rate History No change since Sep 16, 2026 · 8.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
Auto - Used 2023-2025	-	-	9.50%	60 Months
Details Max Loan: 50,000; Max LTV: 80; Payment $210.02 based on max term Last Updated 11/07/2026 Rate History No change since Sep 16, 2026 · 9.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%

ives Bank RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat - New 25' Maximum Loan	-	12.00%	60 Months
Details Max Loan: 50,000; Max LTV: 80; Payment $222.45 based on max term Last Updated 11/07/2026 Rate History No change since Sep 16, 2026 · 12.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
Boat - Used 25' Maximum Loan	-	12.50%	60 Months
Details Max Loan: 50,000; Max LTV: 80; Payment $224.98 based on max term Last Updated 11/07/2026 Rate History No change since Sep 16, 2026 · 12.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
Recreational Vehicle - New Loan	-	13.00%	60 Months
Details Max Loan: 100,000; Max LTV: 80; Payment $339.35 based on max term Last Updated 11/07/2026 Rate History No change since Sep 16, 2026 · 13.00% APR · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
Recreational Vehicle - Used Loan	-	13.50%	36 Months
Details Max Loan: 100,000; Max LTV: 80; Payment $339.35 based on max term Last Updated 11/07/2026 Rate History No change since Sep 16, 2026 · 13.50% APR · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%

ives Bank Other Rates

Product	Rate	Points	APY/APR	Term
3 Year Adjustable Rate Loan	6.00%	0.00%	7.173%
Details Down Payment: 20% Last Updated 11/07/2026 Rate History 1 change since Oct 14, 2026 · 6.94% → 7.17% ▲ 0.23 pts · high 7.17% / low 6.94% Oct 22, 20267.17%▲ from 6.94% Oct 14, 20266.94%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
30 Year Ives First Time Homebuyers Program Loan	6.75%	0.00%	6.801%
Details Down Payment: 20% Last Updated 11/07/2026 Rate History 1 change since Oct 14, 2026 · 6.55% → 6.80% ▲ 0.25 pts · high 6.80% / low 6.55% Oct 22, 20266.80%▲ from 6.55% Oct 14, 20266.55%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
5 Year Adjustable Rate Loan	6.00%	0.00%	6.994%
Details Down Payment: 20% Last Updated 11/07/2026 Rate History 1 change since Oct 14, 2026 · 6.75% → 6.99% ▲ 0.25 pts · high 6.99% / low 6.75% Oct 22, 20266.99%▲ from 6.75% Oct 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
7 Year Adjustable Rate Loan	6.00%	0.00%	6.82%
Details Down Payment: 20% Last Updated 11/07/2026 Rate History 1 change since Oct 14, 2026 · 6.59% → 6.82% ▲ 0.23 pts · high 6.82% / low 6.59% Oct 22, 20266.82%▲ from 6.59% Oct 14, 20266.59%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
Passbook Installment Loan	-	-	4.00%	36 Months
Details Max Loan: 100,000; Max LTV: 95; Payment $295.24 based on max term Last Updated 11/07/2026 Rate History No change since Sep 16, 2026 · 4.00% APR · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
Business Investment Sweep	0.10%	-	0.10%
Min Deposit $50 Min Balance $0 Details Balance: $0 - $99.999.99; Interest Compounded: Continuous; Interest Credited: Monthly; Minimum Balance Required to Earn APY: $0.01; Effective Date: October 22, 2026 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
Business Investment Sweep	0.10%	-	0.10%
Min Deposit $50 Min Balance $100,000 Details Balance: $100,000 - $249,999.999; Interest Compounded: Continuous; Interest Credited: Monthly; Minimum Balance Required to Earn APY: $100,000; Effective Date: October 22, 2026 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
Business Investment Sweep	0.10%	-	0.10%
Min Deposit $50 Min Balance $250,000 Details Balance: $250,000 - $499,999.999; Interest Compounded: Continuous; Interest Credited: Monthly; Minimum Balance Required to Earn APY: $250,000; Effective Date: October 22, 2026 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
Business Investment Sweep	0.10%	-	0.10%
Min Deposit $50 Min Balance $500,000 Details Balance: $500,000 - $999,999.99; Interest Compounded: Continuous; Interest Credited: Monthly; Minimum Balance Required to Earn APY: $500,000; Effective Date: October 22, 2026 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
Business Investment Sweep	0.10%	-	0.10%
Min Deposit $50 Min Balance $1,000,000 Details Balance: $1,000,000 And Up; Interest Compounded: Continuous; Interest Credited: Monthly; Minimum Balance Required to Earn APY: $1,000,000; Effective Date: October 22, 2026 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%
Statement Draw	0.03%	-	0.03%
Min Deposit $10 Min Balance $5 Details Interest Compound: Continuous; Interest Credited: Monthly Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.03% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.25%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

ives Bank’s Texas Ratio fell from 9.37% in Q3 2023 to 8.25% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.7B	8.25%	5.0	A
March 31, 2026	$1.7B	8.26%	5.0	A
December 31, 2025	$1.7B	8.35%	5.0	A
September 30, 2025	$1.7B	9.00%	5.0	A
June 30, 2025	$1.7B	10.10%	5.0	A
March 31, 2025	$1.6B	10.27%	5.0	A
December 31, 2024	$1.6B	11.06%	5.0	A
September 30, 2024	$1.6B	11.40%	5.0	A
June 30, 2024	$1.6B	13.00%	5.0	A
March 31, 2024	$1.6B	9.89%	5.0	A
December 31, 2023	$1.6B	10.44%	5.0	A
September 30, 2023	$1.5B	9.37%	5.0	A

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for ives Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather ives Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with ives Bank's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name ives Bank

Website https://www.ivesbank.com/

Address 220 Main St, Danbury, CT 06810 · Western Connecticut

Bank Holding Company IVES MUTUAL HOLDING CO INC

FDIC Certificate # 15912

Regulator FDIC

Established June 26, 1849

FDIC Insurance Date September 25, 1942

Domestic Offices 16

Total Branches 16

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

8.25%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.0842%

Return on Equity (ROE)

8.1500%

Non-Performing Loans Ratio (NPL)

1.17%

Total Assets

$1,733,499,000

Total Deposits

$1,369,747,000

Equity Capital

$230,831,000

Net Income

$9,230,000

Headquarters

Danbury

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

ives Bank earned the Verified Healthy badge

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Frequently Asked Questions About ives Bank

Does ives Bank offer CDs?

Yes. ives Bank current CD rates include its CD - 18-Month at 4.00% APY, its CD Specials - 13-Month at 4.00% APY and its CD Specials - 7-Month at 4.00% APY, verified by MonitorBankRates as of November 7, 2026.

Are CDs from ives Bank FDIC insured?

Yes. ives Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at ives Bank?

The highest ives Bank CD rate is its Certificate of Deposit - 18-Month at 4.00% APY, verified by MonitorBankRates as of November 7, 2026.

What CD terms does ives Bank offer?

ives Bank CD rates are 4.00% APY for a 7 month CD, 3.40% APY for a 9 month CD, 2.00% APY for a 12 month CD, 4.00% APY for a 13 month CD, 4.00% APY for an 18 month CD, 3.00% APY for a 2 year CD, 3.10% APY for a 30 month CD, 3.00% APY for a 3 year CD, 2.50% APY for a 4 year CD and 2.50% APY for a 5 year CD, verified by MonitorBankRates as of November 7, 2026. The institution may offer other terms or specials that are not listed here, so check with ives Bank for its full lineup.

What is the highest savings rate at ives Bank?

The highest ives Bank savings rate is its Holiday Savings Club at 0.25% APY, verified by MonitorBankRates as of November 7, 2026.

What is the highest money market rate at ives Bank?

The highest ives Bank money market rate is its Business Money Market at 0.15% APY, verified by MonitorBankRates as of November 7, 2026.

What is the highest checking rate at ives Bank?

The highest ives Bank checking rate is its Non-Profit Checking + at 0.15% APY, verified by MonitorBankRates as of November 7, 2026.

What is the lowest 30 year fixed mortgage rate at ives Bank?

The lowest ives Bank 30 year fixed mortgage rate is its 30 Year Fixed Rate at 6.875%, verified by MonitorBankRates as of November 7, 2026. ives Bank mortgage rates are 6.875% for a 30 year mortgage and 6.50% for a 15 year mortgage.

What is the lowest auto loan rate at ives Bank?

The lowest ives Bank auto loan rate is its Auto - Used 2021-2025 at 7.99% APR, verified by MonitorBankRates as of November 7, 2026.

How many branches does ives Bank operate?

ives Bank currently maintains approximately 16 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, ives Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, ives Bank provides members with tools to manage their accounts and build a solid financial history.

Does ives Bank offer online and mobile banking?

Most modern institutions like ives Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.ivesbank.com/.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do ives Bank rates compare?

ives Bank's top CD rate of 4.00% APY on an 18 month CD is 36% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has an A health rating. ives Bank's top rates are its Certificate of Deposit - 18-Month at 4.00% APY, its Holiday Savings Club at 0.25% APY, its Business Money Market at 0.15% APY, its Non-Profit Checking + at 0.15% APY, its 15 Year Fixed Rate at 6.50% and its Auto - Used 2021-2025 at 7.99% APR, verified by MonitorBankRates on November 7, 2026.

Current ives Bank Rates

12-Month CD2.00%
18-Month CD4.00%
24-Month CD3.00%
36-Month CD3.00%
48-Month CD2.50%
60-Month CD2.50%
Savings0.25%
MMA0.15%

Retrieved from our database of financial products. Rates subject to change.

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ives Bank Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

ives Bank Texas Ratio

ives Bank Health Trend

ives Bank CD Rates

ives Bank Savings Rates

ives Bank Business Savings Rates

ives Bank Money Market Rates

ives Bank Business Money Market Rates

ives Bank Checking Rates

ives Bank Mortgage Rates

ives Bank Auto Loan Rates

ives Bank RV, Boat and Powersport Loan Rates

ives Bank Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

ives Bank earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About ives Bank

Does ives Bank offer CDs?

Are CDs from ives Bank FDIC insured?

What is the highest CD rate at ives Bank?

What CD terms does ives Bank offer?

What is the highest savings rate at ives Bank?

What is the highest money market rate at ives Bank?

What is the highest checking rate at ives Bank?

What is the lowest 30 year fixed mortgage rate at ives Bank?

What is the lowest auto loan rate at ives Bank?

How many branches does ives Bank operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does ives Bank offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do ives Bank rates compare?

Current ives Bank Rates

Compare to Other Banks