Online Banks | Ivy Bank, a division of Cambridge Savings Bank
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Ivy Bank, a division of Cambridge Savings Bank

For information concerning Cambridge Savings Bank parent bank, please click here .

ACH Number: 011303084

Online Rates - January 05, 2026

Your current location is: New York City, NY

SAVINGS RATES APY MIN
Savings
4.10% $2,500 Compare
CD RATES APY MIN
3 Mo CD
4.00% $1,000 Compare
6 Mo CD
3.75% $1,000 Compare
60 Mo CD
2.50% $1,000 Compare




Money that you deposit is held by Cambridge Savings Bank. Cambridge Savings Bank is an FDIC insured institution founded in 1834. It has approximately $6.92 billion in assets.

Overview 2026

General Information of the Parent Bank

FDIC Insured Yes
Insured Parent Bank Cambridge Savings Bank
FDIC Certificate # 17870
Date Established 1834
Assets $6.92 billion
Loans $5.72 billion
Deposits $5.41 billion
Capital $0.65 billion


Customer Reviews for Ivy Bank, a division of Cambridge Savings Bank (5)

Rated 4.60 stars out of 5 - based on 5 reviews

  • Indexed savings product from this bank is now 5.71%. Better than anything else on this site or available anywhere.

    Review on the Parent Bank

  • I don't know why sites like this aren't pointing this out, but you can get a much higher rate from this bank in their 1-month indexed US Treasury. For July it is paying 5.31% and it was up above 5.805 in June. There is no reason not to do this, especially since you can always move back to 4.80% and the bank is excellent.

    Review on the Parent Bank

  • Sometimes slow to raise the rate, but they always do. Service is fine. Would be five stars but transfers take days.

    Review on the Parent Bank

  • Quite pleased with this one so far. Rate is consistently above anything else. I am just hoping they continue to be in the top tier of competitiveness!

    Review on the Parent Bank

  • I opened an account through this site. It was easy to open and to fund. Nice to see that the rate stays as one of the best. I hope it continues.

    Review on the Parent Bank
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Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."

PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES

Tax Rate: 30%

All calculations are for demonstration purposes only."

  • 1
    ONLINE SAVINGS
    Ivy Bank, a division of Cambridge Savings Bank , ★ TOP PICK ★
    Online Bank
    -
    $50,000
    N.A.
    4.10%
    18.22x (National Avg. - 0.23%)
    $2,500
    -
    SCENARIO
    Year Rate
    4.10%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,050 1,435
    2 52,050 2,134 1,494
    3 54,184 2,222 1,555
    4 56,406 2,313 1,619
    5 58,718 2,407 1,685
    6 61,126 2,506 1,754
    7 63,632 2,609 1,826
    8 66,241 2,716 1,901
    9 68,957 2,827 1,979
    10 71,784 2,943 2,060
    11 74,727 3,064 2,145
    12 77,791 3,189 2,233
    13 80,980 3,320 2,324
    14 84,300 3,456 2,419
    15 87,757 3,598 2,519
    16 91,355 3,746 2,622
    17 95,100 3,899 2,729
    18 98,999 4,059 2,841
    19 103,058 4,225 2,958
    20 107,284 4,399 3,079
    TOTAL $61,682 $43,178
  • 2
    ONLINE SAVINGS
    First Foundation Bank , ★ TOP PICK ★
    Bank
    -
    $50,000
    N.A.
    3.75%
    16.67x (National Avg. - 0.23%)
    $1,000
    -
    SCENARIO
    Year Rate
    3.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,875 1,313
    2 51,875 1,945 1,362
    3 53,820 2,018 1,413
    4 55,839 2,094 1,466
    5 57,933 2,172 1,521
    6 60,105 2,254 1,578
    7 62,359 2,338 1,637
    8 64,697 2,426 1,698
    9 67,124 2,517 1,762
    10 69,641 2,612 1,828
    11 72,252 2,709 1,897
    12 74,962 2,811 1,968
    13 77,773 2,916 2,042
    14 80,689 3,026 2,118
    15 83,715 3,139 2,198
    16 86,854 3,257 2,280
    17 90,111 3,379 2,365
    18 93,491 3,506 2,454
    19 96,996 3,637 2,546
    20 100,634 3,774 2,642
    TOTAL $54,408 $38,085


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