Deposit Account Rates

Rates accurate as of 3/12/2024.  Rates subject to change anytime.  APY = Annual Percentage Yield.

SPECIALS

Term

Certificate*

IRA*

APY

Interest Rate

15-Month CD 1,4

New Money Only. Auto-renews into Standard 1-Year CD.

OPEN ACCOUNT

$10,000

N/A

4.57%

4.49%

2-Year Choice Plus CD / IRA 1,4,5

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

OPEN ACCOUNT

$10,000

$5,0006

4.57%

4.49%

Term

15-Month CD 1,4

New Money Only. Auto-renews into Standard 1-Year CD.

OPEN ACCOUNT

Certificate*

$10,000

IRA*

N/A

APY

4.57%

Interest Rate

4.49%

Term

2-Year Choice Plus CD / IRA 1,4,5

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

OPEN ACCOUNT

Certificate*

$10,000

IRA*

$5,0006

APY

4.57%

Interest Rate

4.49%

*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

OPEN ACCOUNT

$1,000

N/A

5.00%

4.91%

12-Month

OPEN ACCOUNT

$1,000

$5006

5.25%

5.15%

2-Year

OPEN ACCOUNT

$1,000

$5006

2.35%

2.33%

3-Year

OPEN ACCOUNT

$1,000

$5006

4.02%

3.96%

4-Year

OPEN ACCOUNT

$1,000

$1,0006

2.75%

2.72%

5-Year

OPEN ACCOUNT

$1,000

$1,0006

3.00%

2.97%

Young Savers

2 Year Term, Under Age 18, Additions of $50 or more any time.

$200

N/A

2.50%

2.48%

Term

6-Month

OPEN ACCOUNT

Certificate*

$1,000

IRA*

N/A

APY

5.00%

Interest Rate

4.91%

Term

12-Month

OPEN ACCOUNT

Certificate*

$1,000

IRA*

$5006

APY

5.25%

Interest Rate

5.15%

Term

2-Year

OPEN ACCOUNT

Certificate*

$1,000

IRA*

$5006

APY

2.35%

Interest Rate

2.33%

Term

3-Year

OPEN ACCOUNT

Certificate*

$1,000

IRA*

$5006

APY

4.02%

Interest Rate

3.96%

Term

4-Year

OPEN ACCOUNT

Certificate*

$1,000

IRA*

$1,0006

APY

2.75%

Interest Rate

2.72%

Term

5-Year

OPEN ACCOUNT

Certificate*

$1,000

IRA*

$1,0006

APY

3.00%

Interest Rate

2.97%

Term

Young Savers

2 Year Term, Under Age 18, Additions of $50 or more any time.

Certificate*

$200

IRA*

N/A

APY

2.50%

Interest Rate

2.48%

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

CHECKING ACCOUNTS 2

Account Type

Min. Balance to Open

Min. Balance to obtain APY

APY

Interest Rate

Ultimate Interest Checking 4,7

OPEN ACCOUNT

$100

$10,000 or more

0.15%

0.15%

$100

$1,000 – $9,999

0.10%

0.10%

$100

Less than $1,000

0.00%

0.00%

Star Checking 4,8

OPEN ACCOUNT

$100

N/A

0.10%

0.10%

Account Type

Ultimate Interest Checking 4,7

OPEN ACCOUNT

Min. Balance to Open

$100

Min. Balance to obtain APY

$10,000 or more

APY

0.15%

Interest Rate

0.15%

Account Type

Min. Balance to Open

$100

Min. Balance to obtain APY

$1,000 – $9,999

APY

0.10%

Interest Rate

0.10%

Account Type

Min. Balance to Open

$100

Min. Balance to obtain APY

Less than $1,000

APY

0.00%

Interest Rate

0.00%

Account Type

Star Checking 4,8

OPEN ACCOUNT

Min. Balance to Open

$100

Min. Balance to obtain APY

N/A

APY

0.10%

Interest Rate

0.10%

MONEY MARKET ACCOUNTS 2

Account Type

Min. Balance to Open

Min. Balance to Obtain APY

APY

Interest Rate

Relationship Money Market

3,4,9,13

OPEN ACCOUNT

$1,000

$1,000,000 or more

3.25%

3.20%

$1,000

$250,000 – $999,999

3.00%

2.96%

$1,000

$100,000 – $249,999

2.50%

2.47%

$1,000

$25,000 – $99,999

2.25%

2.23%

$1,000

Less than $25,000

1.95%

1.93%

Standard Money Market

3,9

OPEN ACCOUNT

$1,000

$1,000,000 or more

2.75%

2.72%

$1,000

$100,000 – $999,999

2.00%

1.98%

$1,000

$25,000 – $99,999

1.75%

1.74%

$1,000

Less than $25,000

1.65%

1.64%

Account Type

Relationship Money Market

3,4,9,13

OPEN ACCOUNT

Min. Balance to Open

$1,000

Min. Balance to Obtain APY

$1,000,000 or more

APY

3.25%

Interest Rate

3.20%

Account Type

Min. Balance to Open

$1,000

Min. Balance to Obtain APY

$250,000 – $999,999

APY

3.00%

Interest Rate

2.96%

Account Type

Min. Balance to Open

$1,000

Min. Balance to Obtain APY

$100,000 – $249,999

APY

2.50%

Interest Rate

2.47%

Account Type

Min. Balance to Open

$1,000

Min. Balance to Obtain APY

$25,000 – $99,999

APY

2.25%

Interest Rate

2.23%

Account Type

Min. Balance to Open

$1,000

Min. Balance to Obtain APY

Less than $25,000

APY

1.95%

Interest Rate

1.93%

Account Type

Standard Money Market

3,9

OPEN ACCOUNT

Min. Balance to Open

$1,000

Min. Balance to Obtain APY

$1,000,000 or more

APY

2.75%

Interest Rate

2.72%

Account Type

Min. Balance to Open

$1,000

Min. Balance to Obtain APY

$100,000 – $999,999

APY

2.00%

Interest Rate

1.98%

Account Type

Min. Balance to Open

$1,000

Min. Balance to Obtain APY

$25,000 – $99,999

APY

1.75%

Interest Rate

1.74%

Account Type

Min. Balance to Open

$1,000

Min. Balance to Obtain APY

Less than $25,000

APY

1.65%

Interest Rate

1.64%

SAVINGS ACCOUNTS 2

Account Type

Min. Balance to Open

Min. Balance to obtain APY

APY

Interest Rate

Platinum Personal Savings 10

OPEN ACCOUNT

$25,000

$25,000

0.20%

0.20%

Statement Savings 11

OPEN ACCOUNT

$50

$100

0.08%

0.08%

Cashus Kids Club Savings 12

None

None

0.08%

0.08%

Account Type

Platinum Personal Savings 10

OPEN ACCOUNT

Min. Balance to Open

$25,000

Min. Balance to obtain APY

$25,000

APY

0.20%

Interest Rate

0.20%

Account Type

Statement Savings 11

OPEN ACCOUNT

Min. Balance to Open

$50

Min. Balance to obtain APY

$100

APY

0.08%

Interest Rate

0.08%

Account Type

Cashus Kids Club Savings 12

Min. Balance to Open

None

Min. Balance to obtain APY

None

APY

0.08%

Interest Rate

0.08%

HEALTH SAVINGS ACCOUNTS 2,14

Min. Balance to Open

Min. Balance to Obtain APY

APY

Interest Rate

$100

$10,000 or more

0.25%

0.25%

$100

$2,500 – $9,999

0.20%

0.20%

$100

Less than $2,500

0.15%

0.15%

Min. Balance to Open

$100

Min. Balance to Obtain APY

$10,000 or more

APY

0.25%

Interest Rate

0.25%

Min. Balance to Open

$100

Min. Balance to Obtain APY

$2,500 – $9,999

APY

0.20%

Interest Rate

0.20%

Min. Balance to Open

$100

Min. Balance to Obtain APY

Less than $2,500

APY

0.15%

Interest Rate

0.15%

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) Personal accounts only.
(5) 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.
(6) Available for rollovers, transfers, 2023 & 2024 contributions.
(7) If balance falls below the $1,000 minimum any time during the statement cycle, a monthly service charge of $7.50 will apply.
(8) Must be age 50+, or Active Duty Military, or a Veteran.
(9) 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.
(10) If balance falls below the $25,000 minimum, the account rate switches to .08% APY.
(11) If balance falls below the $100 minimum any time during the statement cycle, a monthly service charge fee of $3.00 will apply.
(12) For ages 12 and younger.
(13) Initial, and ongoing, eligibility for the Relationship Money Market rate requires the customer to maintain an additional deposit or loan product with Ixonia Bank.
(14) See HSA brochure for more details, including explanation of qualified expenses and annual contribution limits.

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.