Grow Your Money
Current Business Rates
Business Deposit Account Rates
*Rates accurate as of 1/7/2025. Rates subject to change anytime. APY = Annual Percentage Yield.
CDs 1
Term
Min. Balance to Open & Obtain APY*
APY*
Interest Rate
6-Month
$1,000
3.90%
3.84%
12-Month
$1,000
4.00%
3.94%
2-Year
$1,000
2.35%
2.33%
3-Year
$1,000
4.02%
3.96%
4-Year
$1,000
4.00%
3.94%
5-Year
$1,000
4.00%
3.94%
Term
6-Month
Min. Balance to Open & Obtain APY*
$1,000
APY*
3.90%
Interest Rate
3.84%
Interest Rate
4.09%
Term
12-Month
Min. Balance to Open & Obtain APY*
$1,000
APY*
4.00%
Interest Rate
3.94%
Interest Rate
3.94%
Term
2-Year
Min. Balance to Open & Obtain APY*
$1,000
APY*
2.35%
Interest Rate
2.33%
Interest Rate
Term
3-Year
Min. Balance to Open & Obtain APY*
$1,000
APY*
4.02%
Interest Rate
3.96%
Interest Rate
Term
4-Year
Min. Balance to Open & Obtain APY*
$1,000
APY*
4.00%
Interest Rate
3.94%
Interest Rate
Term
5-Year
Min. Balance to Open & Obtain APY*
$1,000
APY*
4.00%
Interest Rate
3.94%
Interest Rate
*Minimum balance to open/obtain the APY. Early withdrawal may be subject to penalty. Fees may reduce earnings.
MONEY MARKET ACCOUNTS 2
Account Type
Min. Balance to Open
Min. Balance to Obtain APY*
APY*
Interest Rate
Business Money Market
3,4
$1,000
$1,000,000 or more
2.95%
2.91%
$1,000
$250,000 – $999,999
2.45%
2.42%
$1,000
$100,000 – $249,999
1.95%
1.93%
$1,000
$50,000 – $99,999
1.70%
1.69%
$1,000
$2,500 – $49,999
0.55%
0.55%
$1,000
Less than $2,500
0.01%
0.01%
Account Type
Business Money Market
3,4
Min. Balance to Open
$1,000
Min. Balance to Obtain APY*
$1,000,000 or more
APY*
2.95%
Interest Rate
2.91%
Account Type
Min. Balance to Open
$1,000
Min. Balance to Obtain APY*
$250,000 – $999,999
APY*
2.45%
Interest Rate
2.42%
Account Type
Min. Balance to Open
$1,000
Min. Balance to Obtain APY*
$100,000 – $249,999
APY*
1.95%
Interest Rate
1.93%
Account Type
Min. Balance to Open
$1,000
Min. Balance to Obtain APY*
$50,000 – $99,999
APY*
1.70%
Interest Rate
1.69%
Account Type
Min. Balance to Open
$1,000
Min. Balance to Obtain APY*
$2,500 – $49,999
APY*
0.55%
Interest Rate
0.55%
Account Type
Min. Balance to Open
$1,000
Min. Balance to Obtain APY*
Less than $2,500
APY*
0.01%
Interest Rate
0.01%
SAVINGS ACCOUNTS 2
Account Type
Min. Balance to Open
Min. Balance to obtain APY*
APY*
Interest Rate
Statement Savings 5
$50
$100
0.08%
0.08%
Account Type
Statement Savings 5
Min. Balance to Open
$50
Min. Balance to obtain APY*
$100
APY*
0.08%
Interest Rate
0.08%
APY: Annual Percentage Yield.
(1) Early withdrawal may be subject to penalty.
(2) The rate may change after the account is opened for variable rate accounts.
(3) Ixonia Bank limits preauthorized and/or automatic transfers (including telephone and Internet Banking transfers) and withdrawals (check, draft, debit card or similar order) to six per month. You may make unlimited “in person” or ATM withdrawals.
(4) If balance falls below $1,000 any time during the statement cycle, a monthly service charge of $5.00 plus a $0.25 per check and withdrawal fee will apply.
(5) If balance falls below the $100 minimum any time during the statement cycle, a monthly service charge fee of $3.00 will apply.
New money is defined as money not currently held at Ixonia Bank. The rate may change after the account is opened for variable rate accounts. Fees imposed could reduce the earnings on accounts. Early withdrawal may be subject to penalty. Ask us for other applicable fees, terms and additional details. Member FDIC.
