Deposit Account Rates

Rates accurate as of 10/7/19. Rates subject to change anytime. APY = Annual Percentage Yield.

CDs & IRA SPECIALS

Term

Certificate*

IRA*

APY

Interest Rate

8-Month CD

(New money only. Auto renews into Standard 6 Month CD.) 

  $5,000

N/A 

 1.65%

 1.64%

13-Month CD

(New money only. Auto renews into Standard 1 Year CD.) 

 $5,000

N/A 

 1.85%

1.84% 

2-Year Choice Plus (1,3)

(1 time rate bump. Additions of $500 or more any time.) 

$10,000

$5,000(2)

2.10%

2.08%

*Minimum balance to open/obtain the APY. Early withdrawal may be subject to penalty. Fees may reduce earnings.

CDs & IRAs

Term

Certificate*

IRA*

APY

Interest Rate

6-Month

$1,000

N/A

1.00%

1.00%

1-Year

$1,000

$500(2)

1.75%

1.74%

2-Year

$1,000

$500(2)

1.30%

1.29%

3-Year

$1,000

$500(2)

2.00%

1.99%

4-Year

$1,000

$1,000(2)

1.80%

1.79%

5-Year

$1,000

$1,000(2)

2.00%

1.99%

Young Savers

(2 year term, under age 18, Additions of $50 or more any time.)

$200

N/A

0.80%

0.80%

*Minimum balance to open/obtain the APY. Early withdrawal may be subject to penalty. Fees may reduce earnings.

Checking Accounts

($100 minimum balance to open)

Account Type

Balance

APY

Interest Rate

Ultimate Interest Checking (3,4)

$10,000 or more

0.10%

0.10%

 

$1,000 - $9,999

0.05%

0.05%

 

Less than $1,000

0.00%

0.00%

Star Checking (3,5)

-

0.05%

0.05%

 

Money Market Accounts (6,7,8) 

Account Type

Balance

APY

Interest Rate

Promotional Money Market (3,13)
($10,000 New Money Minimum Balance to Open)

$10,000 or more 1.75%

1.74%

GUARANTEED FOR 1 YEAR

Money Market

($1,000 Minimum Balance to Open)

$100,000 or more 0.30% 0.30%
  $25,000 - $99,000 0.20% 0.20%
  Less than $25,000 0.10% 0.10%

 

Savings Accounts (6)

Account Type

Min. Balance
to open

Min. Balance
to obtain APY

APY

Interest Rate

Platinum Personal Savings (9)

$25,000

$25,000

0.25%

0.25%

Statement Savings (10)

$50

$100

0.05%

0.05%

Cashus Kids Club Savings (11)

None

None

0.05%

0.05%

 

Health Savings Accounts (12)

($100 minimum balance to open)

Balance

APY

Interest Rate

$10,000 or more

0.20%

0.20%

$2,500 - $9,999

0.15%

0.15%

Less than $2,500

0.10%

0.10%

APY: Annual Percentage Yield.

(1) Allows a 1 time rate bump to the then current rate on the 2 Year Choice Plus CD. The rate is changed for the remainder of the term and is applicable to the entire balance.
(2) Available for rollovers, transfers, & 2019 contributions.
(3) Personal accounts only.
(4) If balance falls below $1,000 any time during the statement cycle, a monthly service charge of $7.50 will apply.
(5) Must be age 50+, or Active Military/Veteran.
(6) Federal law 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. 
(7) Each debit in­­ excess of regulatory limitations may result in a charge of $7.50/item.
(8) Except FOUNDERS CLUB, 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.
(9) If balance falls below the $25,000 minimum, the account rate switches to 0.20% APY.
(10) If balance falls below the $100 minimum any time during the statement cycle, a monthly service charge of $3.00 will apply.
(11) For ages 12 and younger.
(12) See HSA brochure for more details, including explanation of qualified expenses and annual contribution limits.
(13) Must have and maintain an Ixonia Bank Checking Account to open / obtain advertised rate. If checking account is closed within the first year of opening this money market account, the rate will drop to the current standard money market rate. Rate is guaranteed for the first year from account opening date.  After one year, the rates may be tiered and variable, and may change at our discretion.

 

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.

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