What are the current interest rates at Ion Bank?

Current rates for Ion Bank include: 12-Month CD: 1.00%, 18-Month CD: 1.00%, 24-Month CD: 1.00%, 36-Month CD: 0.85%, 48-Month CD: 0.85%, 60-Month CD: 1.00%, Savings: 1.80%, MMA: 1.15%

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Ion Bank Rates & Review October 2026

Q: How many branches does Ion Bank operate?

Ion Bank currently maintains approximately 37 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Ion 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.

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

Ion Bank's top rates as of October 12, 2026 are 4.00% APY on its 10-Months 10-Month Certificate, 1.80% APY on savings, 1.15% APY on money market accounts, 0.20% APY on checking, 5.875% on its Conventional Mortgages - 5/6 ARM, and personal loans from 14.00% APR, according to rates verified by MonitorBankRates. Other Ion Bank CD rates include 25-Months 25-Month Certificate at 4.00%, IRA 10-Month Certificate at 4.00%, and IRA 25-Month Certificate at 4.00%. Other Ion Bank mortgage rates include Conventional Mortgages - 7/6 ARM at 6.00%, Conventional Mortgages - 10/6 ARM at 6.25%, and Conventional Mortgages at 6.75%. MonitorBankRates evaluates the financial stability of Ion Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.40%. Rates last updated and verified on 10/12/2026.

Ion 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 Ion Bank? Share your experience about Ion Bank by leaving a review below, or read customer reviews before you decide to use Ion Bank.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

10.40%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Ion Bank

251 Church St
Naugatuck, CT 06770

https://www.ionbank.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.

Ion Bank CD Rates

Product	Rate	APY	Term
10 Month Certificate	3.93%	4.00%	10 months
Details APY13 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
25 Month Certificate	3.93%	4.00%	25 months
Details APY13 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
IRA 10 Month Certificate	3.93%	4.00%	10 Month
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
IRA 25 Month Certificate	3.93%	4.00%	25 Month
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
3 Month Certificate	3.64%	3.70%	3 months
Details APY1 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 3.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
IRA 3 Month Certificate	3.64%	3.70%	3 Month
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
12 Month Certificate	1.00%	1.00%	12 months
Details APY1 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
18 Month Certificate	1.00%	1.00%	18 months
Details APY1 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
24 Month Certificate	1.00%	1.00%	24 months
Details APY1 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
6 Month Certificate	1.00%	1.00%	6 months
Details APY1 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
60 Month Certificate	1.00%	1.00%	60 months
Details APY1 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
9 Month Certificate	1.00%	1.00%	9 months
Details APY1 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
IRA 12 Month Certificate	1.00%	1.00%	12 Month
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
IRA 18 Month Certificate	1.00%	1.00%	18 Month
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
IRA 24 Month Certificate	1.00%	1.00%	24 Month
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
IRA 6 Month Certificate	1.00%	1.00%	6 Month
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
IRA 60 Month Certificate	1.00%	1.00%	60 Month
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
IRA 9 Month Certificate	1.00%	1.00%	9 Month
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
36 Month Certificate	0.85%	0.85%	36 months
Details APY1 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
48 Month Certificate	0.85%	0.85%	48 months
Details APY1 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
IRA 36 Month Certificate	0.85%	0.85%	36 Month
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
IRA 48 Month Certificate	0.85%	0.85%	48 Month
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
30 Month Certificate	0.80%	0.80%	30 months
Details APY1 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
IRA 30 Month Certificate	0.80%	0.80%	30 Month
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%

Ion Bank Business CD Rates

Product	Rate	APY	Term
Business 3 Month Certificate	3.64%	3.70%	3 Month
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 3.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
Business 12 Month Certificate	1.00%	1.00%	12 Month
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
Business 18 Month Certificate	1.00%	1.00%	18 Month
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
Business 24 Month Certificate	1.00%	1.00%	24 Month
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
Business 6 Month Certificate	1.00%	1.00%	6 Month
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
Business 60 Month Certificate	1.00%	1.00%	60 Month
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
Business 9 Month Certificate	1.00%	1.00%	9 Month
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
Business 36 Month Certificate	0.85%	0.85%	36 Month
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
Business 48 Month Certificate	0.85%	0.85%	48 Month
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
Business 30 Month Certificate	0.80%	0.80%	30 Month
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.80% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%

Ion Bank Savings Rates

Product	Rate	APY
Ka-Ching! Savings Account2	1.79%	1.80%
Min Balance $100,000 Details Balance: $100,000.00 - Over Last Updated 10/12/2026 Rate History No change since Oct 3, 2026 · 1.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
Ka-Ching! Savings Account2	1.09%	1.10%
Min Balance $10,000 Details Balance: $10,000.00 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Oct 3, 2026 · 1.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
Statement Savings	0.80%	0.80%
Min Balance $100,000 Details Balance: $100,000.00 - Over Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
Ka-Ching! Savings Account2	0.45%	0.45%
Min Balance $50 Details Balance: $50.00 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Oct 3, 2026 · 0.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
Statement Savings	0.35%	0.35%
Min Balance $10,000 Details Balance: $10,000.00 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
eSavings	0.20%	0.20%
Min Balance $100,000 Details Balance: $100,000.00 - Over Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
eSavings	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000.00 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
Health Savings Account	0.10%	0.10%
Min Balance $5,000 Details Balance: $5,000.00 and Over Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
eSavings	0.05%	0.05%
Min Balance $50 Details Balance: $50.00 - $9,9999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
Health Savings Account	0.05%	0.05%
Min Balance $50 Details Balance: $50.00 -$999.99 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
Statement Savings	0.05%	0.05%
Min Balance $50 Details Balance: $50.00 -$9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%

Ion Bank Business Savings Rates

Product	Rate	APY
Business Non-Personal Statement Savings	0.50%	0.50%
Min Balance $100,000 Details Balance: $100,000.00 and Over Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
Business Non-Personal Statement Savings	0.49%	0.49%
Min Balance $0 Details Tier I Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.49% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
Business Non-Personal Statement Savings	0.35%	0.35%
Min Balance $10,000 Details Balance: $10,000.00 to $99,999.99 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
Business Non-Personal Statement Savings	0.20%	0.20%
Min Balance $10,000 Details Balance: $10,000.00 and Over Last Updated 10/12/2026 Rate History 1 change since Sep 28, 2026 · 0.35% → 0.20% ▼ 0.15 pts · high 0.35% / low 0.20% Oct 8, 20260.20%▼ from 0.35% Sep 28, 20260.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
Business Non-Personal Statement Savings	0.10%	0.10%
Min Balance $1,000 Details Balance: $1,000.00 to $9,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
Business Non-Personal Statement Savings	0.05%	0.05%
Min Balance $50 Details Balance: $50.00 to $9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%

Ion Bank Money Market Rates

Product	Rate	APY
Money Market Account	1.14%	1.15%
Min Balance $250,000 Details Balance: $250,000.00 and Over Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 1.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
Money Market Account	0.65%	0.65%
Min Balance $100,000 Details Balance: $100,000.00 -$249,999.99 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.65% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
Money Market Account	0.40%	0.40%
Min Balance $10,000 Details Balance: $10,000.00 -$99,999.99 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
Money Market Account	0.05%	0.05%
Min Balance $50 Details Balance: $50.00 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%

Ion Bank Business Money Market Rates

Product	Rate	APY
Business Money Market Account	1.14%	1.15%
Min Balance $250,000 Details Balance: $250,000.00 and Over Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 1.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
Business Money Market Account	0.65%	0.65%
Min Balance $100,000 Details Balance: $100,000.00 to $249,999.99 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.65% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
Business Money Market Account	0.40%	0.40%
Min Balance $10,000 Details Balance: $10,000.00 to $99,999.99 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
Business Money Market Account	0.05%	0.05%
Min Balance $10,000 Details Balance: $9,999.99 and Under Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%

Ion Bank Checking Rates

Product	Rate	APY
Preferred Checking with Interest	0.20%	0.20%
Min Balance $10,000 Details Balance: $10,000.00 and Over Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
Preferred Checking with Interest	0.10%	0.10%
Min Balance $1,000 Details Balance: $1,000.00 -$9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
Preferred Checking with Interest	0.05%	0.05%
Min Balance $50 Details Balance: $50.00 - $999.99 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%

Ion Bank Mortgage Rates

Product	Rate	Points	APR	Term
Conventional Mortgages - 7/6 ARM	6.00%	0	6.471%	7/6 years
Details Fully Indexed Rate: 6.750% Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 6.47% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
Conventional Mortgages - 5/6 ARM	5.875%	0	6.525%	5/6 years
Details Fully Indexed Rate: 6.750% Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 6.53% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
Conventional Mortgages - 10/6 ARM	6.25%	0	6.528%	10/6 years
Details Fully Indexed Rate: 6.750% Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 6.53% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
Conventional Mortgages	6.75%	-	6.75%	30 years
Details Rates and terms described are for owner-occupied properties only. Low down payment programs are also available. Rates are subject to change without notice. Variable and Adjustable rates may increase during the term of the loan. When the initial fixed interest rate expires, the interest rate will change to an adjustable interest rate on the change date. The adjustable interest rate may change on the change date and every 6 month thereafter. The rate will be calculated based on an index, which is the 30-day average SOFR index rate, as made available by the Federal Reserve Board of New York. The most recent index figure available as of the date 45 days before each change date will be used. This will be called the current index. Before each change date, the new interest rate will be calculated by adding the margin, which is 3.000%, to the current index, resulting in the fully indexed rate. The fully indexed rate is rounded to the nearest one-eighth of one percentage point. The fully indexed rate is 6.750%. All mortgages with less than 20% down payment may require PMI (Private Mortgage Insurance). The rate and point structure will be the same as mortgages with a 20% down payment. Interest rates are subject to credit and property approval based upon secondary market guidelines. Interest rates and APRs may vary depending on loan details, such as points, loan amount, your credit and property occupancy. The rates shown are available to borrowers with a satisfactory credit history. Your rate may vary based upon your credit history and other loan details. All information provided assumes an owner-occupied purchase mortgage loan in the amount of $100,000 with 25% down and credit score >/= 780. Payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater. Restricted to properties located in the following communities in Connecticut and New Jersey: Capital, Naugatuck Valley, and South Central regions; Bergen, Morris, and Passaic counties. Restricted to low-to-moderate census tracts in the following Connecticut cities: Ansonia, Bristol, East Hartford, Hartford, Manchester, Meriden, New Britain, New Haven, and Waterbury. New Jersey boroughs and cities: Bergenfield, Cliffside Park, Clifton, Dover, Elmwood Park, Englewood, Fairview, Garfield, Hackensack, Lodi, Morristown, Mount Olive, Passaic, Paterson, Prospect Park, Wharton, and Woodland Park. Rate reflects subject property in low-to-moderate census tract in Ion Bank's assessment areas. Rate reflects household income at or below 80% AMI (Area Median Income). The United States Department of Housing and Urban Development (HUD) calculates AMI for each geographic in the country by using data from the US Census-based American Community Survey. A household's income is calculated by its gross income, which is the total income received before taxes and other payroll deductions. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.75% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
Jumbo Mortgages	6.75%	-	6.75%	30 years
Details Rates and terms described are for owner-occupied properties only. Low down payment programs are also available. Rates are subject to change without notice. Variable and Adjustable rates may increase during the term of the loan. When the initial fixed interest rate expires, the interest rate will change to an adjustable interest rate on the change date. The adjustable interest rate may change on the change date and every 6 month thereafter. The rate will be calculated based on an index, which is the 30-day average SOFR index rate, as made available by the Federal Reserve Board of New York. The most recent index figure available as of the date 45 days before each change date will be used. This will be called the current index. Before each change date, the new interest rate will be calculated by adding the margin, which is 3.000%, to the current index, resulting in the fully indexed rate. The fully indexed rate is rounded to the nearest one-eighth of one percentage point. The fully indexed rate is 6.750%. All mortgages with less than 20% down payment may require PMI (Private Mortgage Insurance). The rate and point structure will be the same as mortgages with a 20% down payment. Interest rates are subject to credit and property approval based upon secondary market guidelines. Interest rates and APRs may vary depending on loan details, such as points, loan amount, your credit and property occupancy. The rates shown are available to borrowers with a satisfactory credit history. Your rate may vary based upon your credit history and other loan details. All information provided assumes an owner-occupied purchase mortgage loan in the amount of $100,000 with 25% down and credit score >/= 780. Payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater. Restricted to properties located in the following communities in Connecticut and New Jersey: Capital, Naugatuck Valley, and South Central regions; Bergen, Morris, and Passaic counties. Restricted to low-to-moderate census tracts in the following Connecticut cities: Ansonia, Bristol, East Hartford, Hartford, Manchester, Meriden, New Britain, New Haven, and Waterbury. New Jersey boroughs and cities: Bergenfield, Cliffside Park, Clifton, Dover, Elmwood Park, Englewood, Fairview, Garfield, Hackensack, Lodi, Morristown, Mount Olive, Passaic, Paterson, Prospect Park, Wharton, and Woodland Park. Rate reflects subject property in low-to-moderate census tract in Ion Bank's assessment areas. Rate reflects household income at or below 80% AMI (Area Median Income). The United States Department of Housing and Urban Development (HUD) calculates AMI for each geographic in the country by using data from the US Census-based American Community Survey. A household's income is calculated by its gross income, which is the total income received before taxes and other payroll deductions. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.75% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
Conventional Mortgages - 15 Year Fixed	6.75%	0	6.941%	15 years
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 6.94% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
Conventional Mortgages - 20 Year Fixed	7.125%	0	7.28%	20 years
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 7.28% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
Conventional Mortgages - 30 Year Fixed	7.25%	0	7.37%	30 years
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 7.37% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
Jumbo Mortgages - 15 Year Fixed	7.50%	0.25	7.796%	15 years
No additional details. Last Updated 10/12/2026 Rate History 2 changes since Sep 16, 2026 · 7.29% → 7.80% ▲ 0.50 pts · high 7.80% / low 7.29% Oct 8, 20267.80%▲ from 7.54% Sep 28, 20267.54%▲ from 7.29% Sep 16, 20267.29%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
Jumbo Mortgages - 20 Year Fixed	7.875%	0.25	8.118%	20 years
No additional details. Last Updated 10/12/2026 Rate History 2 changes since Sep 16, 2026 · 7.61% → 8.12% ▲ 0.50 pts · high 8.12% / low 7.61% Oct 8, 20268.12%▲ from 7.87% Sep 28, 20267.87%▲ from 7.61% Sep 16, 20267.61%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
Jumbo Mortgages - 30 Year Fixed	8.00%	0.25	8.191%	30 years
No additional details. Last Updated 10/12/2026 Rate History 2 changes since Sep 16, 2026 · 7.81% → 8.19% ▲ 0.38 pts · high 8.19% / low 7.81% Oct 8, 20268.19%▲ from 7.91% Sep 28, 20267.91%▲ from 7.81% Sep 16, 20267.81%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%

Ion Bank Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity 7 Year	-	-	6.00%	7 Year
Details Additional APR listed for this product: 6.250%. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
Home Equity 5 Year	-	-	6.25%	5 Year
Details Additional APR listed for this product: 6.500%. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
Home Equity 10 Year	-	-	6.50%	10 Year
Details Additional APR listed for this product: 6.750%. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
Home Equity 15 Year	-	-	6.75%	15 Year
Details Additional APR listed for this product: 7.000%. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
Home Equity 20 Year	-	-	7.00%	20 Year
Details Additional APR listed for this product: 7.250%. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
Home Equity Line of Credit	7.00%	-	7.00%
Details The Annual Percentage Rate (APR) is a variable rate and is based on the Wall Street Journal's Prime Rate plus a margin. As of September 17, 2026, Prime Rate is 7.00%. The maximum APR that will apply during the life of this loan is 15%. Minimum APR (floor) is 5.50%. A 0.25% discount with automatic payment from an Ion Bank personal checking account. The annual fee of $50 is waived and will continue to be waived as long as automatic payment deduction continues from an Ion Bank personal checking account. Offer is good on owner-occupied 1-4 family residences up to 80% loan-to-value. Minimum check is $500. Property insurance may be required. Properties listed or to be listed for sale within six months are not eligible. Rates are subject to change. Contact us for other financing options. Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Sep 24, 20267.00%▲ from 6.75% Sep 16, 20266.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
Home Equity Loan - 5 Year/20 Year Loan	-	-	7.25%	20 years
Details Draw Period: 5 years; Margin: .25%; Floor: 5.50% Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 7.00% → 7.25% ▲ 0.25 pts · high 7.25% / low 7.00% Oct 8, 20267.25%▲ from 7.00% Sep 16, 20267.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
Home Equity Loan - 10 Year/15 Year Loan	-	-	7.50%	15 years
Details Draw Period: 10 years; Margin: .50%; Floor: 5.50% Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 7.25% → 7.50% ▲ 0.25 pts · high 7.50% / low 7.25% Oct 8, 20267.50%▲ from 7.25% Sep 16, 20267.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%

Ion Bank Personal Loan Rates

Product	APR	Term
Personal Unsecured Loan	14.00%	1 Year
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 14.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
Personal Unsecured Loan	14.00%	2 Years
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 14.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
Personal Unsecured Loan	14.00%	3 Years
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 14.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
Personal Unsecured Loan	14.00%	4 Years
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 14.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%

Ion Bank Other Rates

Product	Rate	Points	APY/APR	Term
Credit-Builder Loan	-	-	3.00%	12 months
Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
Credit-Builder Loan	-	-	3.25%	24 months
Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
First Time Homebuyer Programs Loan	6.75%	-	6.75%	30 years
Details Rates and terms described are for owner-occupied properties only. Low down payment programs are also available. Rates are subject to change without notice. Variable and Adjustable rates may increase during the term of the loan. When the initial fixed interest rate expires, the interest rate will change to an adjustable interest rate on the change date. The adjustable interest rate may change on the change date and every 6 month thereafter. The rate will be calculated based on an index, which is the 30-day average SOFR index rate, as made available by the Federal Reserve Board of New York. The most recent index figure available as of the date 45 days before each change date will be used. This will be called the current index. Before each change date, the new interest rate will be calculated by adding the margin, which is 3.000%, to the current index, resulting in the fully indexed rate. The fully indexed rate is rounded to the nearest one-eighth of one percentage point. The fully indexed rate is 6.750%. All mortgages with less than 20% down payment may require PMI (Private Mortgage Insurance). The rate and point structure will be the same as mortgages with a 20% down payment. Interest rates are subject to credit and property approval based upon secondary market guidelines. Interest rates and APRs may vary depending on loan details, such as points, loan amount, your credit and property occupancy. The rates shown are available to borrowers with a satisfactory credit history. Your rate may vary based upon your credit history and other loan details. All information provided assumes an owner-occupied purchase mortgage loan in the amount of $100,000 with 25% down and credit score >/= 780. Payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater. Restricted to properties located in the following communities in Connecticut and New Jersey: Capital, Naugatuck Valley, and South Central regions; Bergen, Morris, and Passaic counties. Restricted to low-to-moderate census tracts in the following Connecticut cities: Ansonia, Bristol, East Hartford, Hartford, Manchester, Meriden, New Britain, New Haven, and Waterbury. New Jersey boroughs and cities: Bergenfield, Cliffside Park, Clifton, Dover, Elmwood Park, Englewood, Fairview, Garfield, Hackensack, Lodi, Morristown, Mount Olive, Passaic, Paterson, Prospect Park, Wharton, and Woodland Park. Rate reflects subject property in low-to-moderate census tract in Ion Bank's assessment areas. Rate reflects household income at or below 80% AMI (Area Median Income). The United States Department of Housing and Urban Development (HUD) calculates AMI for each geographic in the country by using data from the US Census-based American Community Survey. A household's income is calculated by its gross income, which is the total income received before taxes and other payroll deductions. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.75% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
Refinance Special	6.75%	-	6.75%	30 years
Details Rates and terms described are for owner-occupied properties only. Low down payment programs are also available. Rates are subject to change without notice. Variable and Adjustable rates may increase during the term of the loan. When the initial fixed interest rate expires, the interest rate will change to an adjustable interest rate on the change date. The adjustable interest rate may change on the change date and every 6 month thereafter. The rate will be calculated based on an index, which is the 30-day average SOFR index rate, as made available by the Federal Reserve Board of New York. The most recent index figure available as of the date 45 days before each change date will be used. This will be called the current index. Before each change date, the new interest rate will be calculated by adding the margin, which is 3.000%, to the current index, resulting in the fully indexed rate. The fully indexed rate is rounded to the nearest one-eighth of one percentage point. The fully indexed rate is 6.750%. All mortgages with less than 20% down payment may require PMI (Private Mortgage Insurance). The rate and point structure will be the same as mortgages with a 20% down payment. Interest rates are subject to credit and property approval based upon secondary market guidelines. Interest rates and APRs may vary depending on loan details, such as points, loan amount, your credit and property occupancy. The rates shown are available to borrowers with a satisfactory credit history. Your rate may vary based upon your credit history and other loan details. All information provided assumes an owner-occupied purchase mortgage loan in the amount of $100,000 with 25% down and credit score >/= 780. Payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater. Restricted to properties located in the following communities in Connecticut and New Jersey: Capital, Naugatuck Valley, and South Central regions; Bergen, Morris, and Passaic counties. Restricted to low-to-moderate census tracts in the following Connecticut cities: Ansonia, Bristol, East Hartford, Hartford, Manchester, Meriden, New Britain, New Haven, and Waterbury. New Jersey boroughs and cities: Bergenfield, Cliffside Park, Clifton, Dover, Elmwood Park, Englewood, Fairview, Garfield, Hackensack, Lodi, Morristown, Mount Olive, Passaic, Paterson, Prospect Park, Wharton, and Woodland Park. Rate reflects subject property in low-to-moderate census tract in Ion Bank's assessment areas. Rate reflects household income at or below 80% AMI (Area Median Income). The United States Department of Housing and Urban Development (HUD) calculates AMI for each geographic in the country by using data from the US Census-based American Community Survey. A household's income is calculated by its gross income, which is the total income received before taxes and other payroll deductions. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.75% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
Smart-E Loan	-	-	6.99%	5 Years
Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 6.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
Smart-E Loan	-	-	6.99%	7 Years
Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 6.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
Smart-E Loan	-	-	6.99%	10 Years
Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 6.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%
Smart-E Loan	-	-	7.49%	12 Years
Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 7.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.40%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Ion Bank’s Texas Ratio stayed near 10.77% in Q3 2023 to 10.40% in Q2 2026, so its financial health has held steady at a healthy level 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	$2.8B	10.40%	5.0	A
March 31, 2026	$2.8B	7.28%	5.0	A
December 31, 2025	$2.7B	6.49%	5.0	A
September 30, 2025	$2.8B	5.01%	5.0	A+
June 30, 2025	$2.8B	5.90%	5.0	A+
March 31, 2025	$2.2B	4.91%	5.0	A+
December 31, 2024	$2.1B	4.88%	5.0	A+
September 30, 2024	$2.1B	5.10%	5.0	A+
June 30, 2024	$2.1B	4.98%	5.0	A+
March 31, 2024	$2.1B	4.81%	5.0	A+
December 31, 2023	$2.2B	8.14%	5.0	A
September 30, 2023	$2.2B	10.77%	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 Ion 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 Ion 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 Ion Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Ion Bank

Bank Holding Company ION FINANCIAL MHC INC

Address 251 Church St, Naugatuck, CT 06770 · Naugatuck Valley

Website https://www.ionbank.com

FDIC Certificate # 18198

Established 18700101

FDIC Insurance Date 19600701

Domestic Offices 37

Total Branches 37

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 95/100

5.0

Exceptional Out of 5.0 Stars

10.40%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.9271%

Return on Equity (ROE) 7.6300%

Non-Performing Loans (NPL) 1.08%

Total Assets $2,783,038,000

Total Deposits $2,277,893,000

Equity Capital $341,243,000

Net Income $12,800,000

Headquarters Naugatuck

Total Branches and Offices 37

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Ion Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Customer Reviews

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Total Reviews

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Frequently Asked Questions About Ion Bank

How many branches does Ion Bank operate?

Ion Bank currently maintains approximately 37 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, Ion 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, Ion Bank provides members with tools to manage their accounts and build a solid financial history.

Does Ion Bank offer online and mobile banking?

Most modern institutions like Ion 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.ionbank.com.

Current Ion Bank Rates

12-Month CD1.00%
18-Month CD1.00%
24-Month CD1.00%
36-Month CD0.85%
48-Month CD0.85%
60-Month CD1.00%
Savings1.80%
MMA1.15%

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

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Ion Bank Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Ion Bank Texas Ratio

Ion Bank Health Trend

Ion Bank CD Rates

Ion Bank Business CD Rates

Ion Bank Savings Rates

Ion Bank Business Savings Rates

Ion Bank Money Market Rates

Ion Bank Business Money Market Rates

Ion Bank Checking Rates

Ion Bank Mortgage Rates

Ion Bank Home Equity & HELOC

Ion Bank Personal Loan Rates

Ion Bank Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financial Health & Assets

Ion Bank earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Ion Bank

How many branches does Ion Bank operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Ion Bank offer online and mobile banking?

Current Ion Bank Rates

Compare to Other Banks