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ives Bank Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

ives Bank's top rates as of October 12, 2026 are 4.00% APY on its Until Maturity 13-Month CD, 0.25% APY on savings, 0.15% APY on money market accounts, 0.15% APY on checking, 6.25% on its 15 Year Fixed Rate mortgage, and personal loans from 15.00% APR, according to rates verified by MonitorBankRates. Other ives Bank CD rates include 18-Month Certificate at 4.00%, Until Maturity 7-Month CD at 4.00%, and 9-Month Certificate at 3.40%. Other ives Bank mortgage rates include 30 Year Fixed Rate at 6.625%. MonitorBankRates evaluates the financial stability of ives Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.25%. Rates last updated and verified on 10/12/2026.

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

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A
Excellent Health Score: 96/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
8.25%
Excellent Higher than avg
Health Trend ?
Improving 12 quarters
Full history ›
Ives Bank
220 Main St
Danbury, CT 06810
https://www.ivesbank.com/
MemberFDIC
Customer Reviews
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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.

ives Bank CD Rates

Product Rate APY Term View More
Until Maturity 13 Month CD - 4.00% Until Maturity
Min Deposit $500
Min Balance $500
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%
18 Month Certificate - 4.00% 18 Month
Min Deposit $500
Min Balance $500
Details Until Maturity
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%
Until Maturity 7 Month CD - 4.00% Until Maturity
Min Deposit $500
Min Balance $500
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%
9 Month Certificate 3.30% 3.40% 9 Month
Min Deposit $500
Min Balance $500
Details Until Maturity
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 12, 2026: 3.40% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%
Until Maturity 30 Month CD 3.02% 3.10% Until Maturity
Min Deposit $500
Min Balance $500
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.10% APY
2.60%3.10%3.60%Oct 12, 2026: 3.10% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%
2 Year Certificate 2.92% 3.00% 2 Year
Min Deposit $500
Min Balance $500
Details Until Maturity
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 12, 2026: 3.00% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%
3 Year Certificate 2.92% 3.00% 3 Year
Min Deposit $500
Min Balance $500
Details Until Maturity
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 12, 2026: 3.00% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%
6 Month Certificate 2.92% 3.00% 6 Month
Min Deposit $500
Min Balance $500
Details Until Maturity
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 12, 2026: 3.00% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%
6 Month Smart Choice Liquid CD 2.68% 2.75% 6 Month
Min Deposit $50,000
Min Balance $50,000
Details Until Maturity
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 12, 2026: 2.75% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%
4 Year Certificate 2.44% 2.50% 4 Year
Min Deposit $500
Min Balance $500
Details Until Maturity
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 2.50% APY
2.00%2.50%3.00%Oct 12, 2026: 2.50% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%
5 Year Certificate 2.44% 2.50% 5 Year
Min Deposit $500
Min Balance $500
Details Until Maturity
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 2.50% APY
2.00%2.50%3.00%Oct 12, 2026: 2.50% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%
12 Month Certificate 1.96% 2.00% 12 Month
Min Deposit $500
Min Balance $500
Details Until Maturity
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 12, 2026: 2.00% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%
3 Month Certificate 0.10% 0.10% 3 Month
Min Deposit $500
Min Balance $500
Details Until Maturity
Last Updated 10/12/2026
Rate History
No change since Oct 12, 2026 · 0.10% APY
0.00%0.30%0.60%Oct 12, 2026: 0.10% APYOct 12, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%

ives Bank Savings Rates

Product Rate APY View More
Holiday Savings Club 0.25% 0.25%
Min Deposit $10
Min Balance $10
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.25% APY · checked 5 times
0.00%0.38%0.75%Sep 20, 2026: 0.25% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%
Vacation Savings Club 0.25% 0.25%
Min Deposit $10
Min Balance $10
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.25% APY · checked 5 times
0.00%0.38%0.75%Sep 20, 2026: 0.25% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%
Money Market Savings 0.05% 0.05%
Min Deposit $50
Min Balance $2,500
Details Balance: $2,500 And Up
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 20, 2026: 0.05% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%
Money Market Savings 0.03% 0.03%
Min Deposit $50
Min Balance $5
Details Balance: $5.00 - $2,499.99
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Sep 20, 2026: 0.03% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%
Passbook Savings 0.03% 0.03%
Min Deposit $10
Min Balance $5
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Sep 20, 2026: 0.03% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%
Statement Savings 0.03% 0.03%
Min Deposit $10
Min Balance $5
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Sep 20, 2026: 0.03% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%

ives Bank Business Savings Rates

Product Rate APY View More
Business Statement Savings 0.03% 0.03%
Min Deposit $10
Min Balance $5
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Sep 20, 2026: 0.03% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%

ives Bank Money Market Rates

Product Rate APY View More
Money Market Choice 0.15% 0.15%
Min Deposit $50
Min Balance $250,000
Details Balance: $250,000 - $499,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 20, 2026: 0.15% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%
Money Market Choice 0.15% 0.15%
Min Deposit $50
Min Balance $500,000
Details Balance: $500,000 And Up
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 20, 2026: 0.15% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%
Money Market Choice 0.10% 0.10%
Min Deposit $50
Min Balance $100,000
Details Balance: $100,000 - $249,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 20, 2026: 0.10% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%
Money Market Choice 0.05% 0.05%
Min Deposit $50
Min Balance $10,000
Details Balance: $10,000 - $49,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 20, 2026: 0.05% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%
Money Market Choice 0.05% 0.05%
Min Deposit $50
Min Balance $50,000
Details Balance: $50,000 - $99,999.999
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 20, 2026: 0.05% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%
Money Market Savings 0.05% 0.05%
Min Deposit $50
Min Balance $2,500
Details Balance: $2,500 And Up
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 20, 2026: 0.05% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%
Money Market Choice 0.03% 0.03%
Min Deposit $50
Min Balance $0
Details Balance: $0.01 - $9,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.03% APY · checked 6 times
0.00%0.27%0.53%Sep 20, 2026: 0.03% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%
Money Market Savings 0.03% 0.03%
Min Deposit $50
Min Balance $5
Details Balance: $5.00 - $2,499.99
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Sep 20, 2026: 0.03% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%

ives Bank Business Money Market Rates

Product Rate APY View More
Business Money Market 0.15% 0.15%
Min Deposit $50
Min Balance $250,000
Details Balance: $250,000 - $499,999.999
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 20, 2026: 0.15% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%
Business Money Market 0.15% 0.15%
Min Deposit $50
Min Balance $500,000
Details Balance: $500,000 - $999,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 20, 2026: 0.15% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%
Business Money Market 0.15% 0.15%
Min Deposit $50
Min Balance $1,000,000
Details Balance: $1,000,000 And Up
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 20, 2026: 0.15% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%
Business Money Market 0.10% 0.10%
Min Deposit $50
Min Balance $100,000
Details Balance: $100,000 - $249,999.999
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 20, 2026: 0.10% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%
Business Money Market 0.05% 0.05%
Min Deposit $50
Min Balance $0
Details Balance: $0 - $24,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 20, 2026: 0.05% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%
Business Money Market 0.05% 0.05%
Min Deposit $50
Min Balance $25,000
Details Balance: $25,000 - $99.999.99
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 20, 2026: 0.05% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%

ives Bank Checking Rates

Product Rate APY View More
Priority Now Checking 0.10% 0.10%
Min Deposit $50
Min Balance $25,000
Details Balance: $25,000 - $49,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 20, 2026: 0.10% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%
Priority Now Checking 0.10% 0.10%
Min Deposit $50
Min Balance $50,000
Details Balance: $50,000 And Up
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 20, 2026: 0.10% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%
Now Checking 0.05% 0.05%
Min Deposit $50
Min Balance $1,000
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 20, 2026: 0.05% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%
Priority Now Checking 0.05% 0.05%
Min Deposit $50
Min Balance $1,000
Details Balance: $1,000 - $9,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 20, 2026: 0.05% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%
Priority Now Checking 0.05% 0.05%
Min Deposit $50
Min Balance $10,000
Details Balance: $10,000 - $24,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 20, 2026: 0.05% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%

ives Bank Business Checking Rates

Product Rate APY View More
Business Non-Profit Checking + 0.10% 0.15%
Min Deposit $50
Min Balance $100,000
Details Balance: $100,000 - $249,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 20, 2026: 0.15% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%
Business Non-Profit Checking + 0.15% 0.15%
Min Deposit $50
Min Balance $250,000
Details Balance: $250,000 - $499,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 20, 2026: 0.15% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%
Business Non-Profit Checking + 0.15% 0.15%
Min Deposit $50
Min Balance $500,000
Details Balance: $500,000 And Up
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 20, 2026: 0.15% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%

ives Bank Mortgage Rates

Product Rate Points APR Term View More
15 Year Fixed Rate 6.25% 0.00% 6.331% 15 years
No additional details.
Last Updated 10/12/2026
Rate History
2 changes since Sep 16, 2026 · 5.70% → 6.33% ▲ 0.63 pts · high 6.33% / low 5.70%
5.07%6.02%6.96%Sep 16, 2026: 5.70% APRSep 20, 2026: 5.95% APROct 1, 2026: 6.33% APRSep 16, 2026Oct 13, 2026
  • Oct 1, 20266.33%▲ from 5.95%
  • Sep 20, 20265.95%▲ from 5.70%
  • Sep 16, 20265.70%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%
30 Year Fixed Rate 6.625% 0.00% 6.676% 30 years
No additional details.
Last Updated 10/12/2026
Rate History
2 changes since Sep 16, 2026 · 6.30% → 6.68% ▲ 0.38 pts · high 6.68% / low 6.30%
5.80%6.49%7.18%Sep 16, 2026: 6.30% APRSep 20, 2026: 6.55% APROct 1, 2026: 6.68% APRSep 16, 2026Oct 13, 2026
  • Oct 1, 20266.68%▲ from 6.55%
  • Sep 20, 20266.55%▲ from 6.30%
  • Sep 16, 20266.30%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%

ives Bank Auto Loan Rates

Product Rate Points APR Term View More
Auto - Used <br/> 2021-2025 - - 7.99% 36 Months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 7.99% APR · checked 6 times
7.49%7.99%8.49%Sep 20, 2026: 7.99% APRSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%
Auto - New - - 8.25% 60 Months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 8.25% APR · checked 7 times
7.75%8.25%8.75%Sep 16, 2026: 8.25% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%
Auto - Used <br/> 2022-2025 - - 8.99% 48 Months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 8.99% APR · checked 6 times
8.49%8.99%9.49%Sep 20, 2026: 8.99% APRSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%
Auto - Used <br/> 2023-2025 - - 9.50% 60 Months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 9.50% APR · checked 6 times
9.00%9.50%10.00%Sep 20, 2026: 9.50% APRSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%

ives Bank RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
Boat - New <br/> 25' Maximum Loan - 12.00% 60 Months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 12.00% APR · checked 6 times
11.50%12.00%12.50%Sep 20, 2026: 12.00% APRSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%
Boat - Used <br/> 25' Maximum Loan - 12.50% 60 Months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 12.50% APR · checked 6 times
12.00%12.50%13.00%Sep 20, 2026: 12.50% APRSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%
Recreational Vehicle - New Loan - 13.00% 60 Months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 13.00% APR · checked 7 times
12.50%13.00%13.50%Sep 16, 2026: 13.00% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%
Recreational Vehicle - Used Loan - 13.50% 36 Months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 13.50% APR · checked 7 times
13.00%13.50%14.00%Sep 16, 2026: 13.50% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%

ives Bank Personal Loan Rates

Product APR Term View More
Personal Unsecured Loan 15.00% 36 Months
No additional details.
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 15.00% APR · checked 6 times
14.50%15.00%15.50%Sep 20, 2026: 15.00% APRSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%

ives Bank Other Rates

Product Rate Points APY/APR Term View More
3 Year Adjustable Rate Loan 5.875% 0.00% 6.941% 3 years
Last Updated 10/12/2026
Rate History
2 changes since Sep 16, 2026 · 6.76% → 6.94% ▲ 0.19 pts · high 6.94% / low 6.76%
6.26%6.85%7.44%Sep 16, 2026: 6.76% APRSep 20, 2026: 6.76% APRSep 24, 2026: 6.94% APRSep 16, 2026Oct 13, 2026
  • Sep 24, 20266.94%▲ from 6.76%
  • Sep 20, 20266.76%▲ from 6.76%
  • Sep 16, 20266.76%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%
30 Year Ives First Time Homebuyers Program Loan 6.50% 0.00% 6.55% 30 years
Last Updated 10/12/2026
Rate History
2 changes since Sep 16, 2026 · 6.17% → 6.55% ▲ 0.38 pts · high 6.55% / low 6.17%
5.67%6.36%7.05%Sep 16, 2026: 6.17% APRSep 20, 2026: 6.42% APROct 1, 2026: 6.55% APRSep 16, 2026Oct 13, 2026
  • Oct 1, 20266.55%▲ from 6.42%
  • Sep 20, 20266.42%▲ from 6.17%
  • Sep 16, 20266.17%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%
5 Year Adjustable Rate Loan 5.875% 0.00% 6.749% 5 years
Last Updated 10/12/2026
Rate History
2 changes since Sep 16, 2026 · 6.79% → 6.75% ▼ 0.04 pts · high 6.79% / low 6.60%
6.10%6.70%7.29%Sep 16, 2026: 6.79% APRSep 20, 2026: 6.60% APRSep 24, 2026: 6.75% APRSep 16, 2026Oct 13, 2026
  • Sep 24, 20266.75%▲ from 6.60%
  • Sep 20, 20266.60%▼ from 6.79%
  • Sep 16, 20266.79%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%
7 Year Adjustable Rate Loan 5.875% 0.00% 6.586% 7 years
Last Updated 10/12/2026
Rate History
2 changes since Sep 16, 2026 · 6.47% → 6.59% ▲ 0.12 pts · high 6.59% / low 6.47%
5.97%6.53%7.09%Sep 16, 2026: 6.47% APRSep 20, 2026: 6.47% APRSep 24, 2026: 6.59% APRSep 16, 2026Oct 13, 2026
  • Sep 24, 20266.59%▲ from 6.47%
  • Sep 20, 20266.47%▲ from 6.47%
  • Sep 16, 20266.47%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%
Passbook Installment Loan - - 4.00% 36 Months
Last Updated 10/12/2026
Rate History
No change since Sep 16, 2026 · 4.00% APR · checked 7 times
3.50%4.00%4.50%Sep 16, 2026: 4.00% APRSep 16, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%
Business Investment Sweep 0.10% - 0.10%
Min Deposit $50
Min Balance $0
Details Balance: $0 - $99.999.99
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 20, 2026: 0.10% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%
Business Investment Sweep 0.10% - 0.10%
Min Deposit $50
Min Balance $100,000
Details Balance: $100,000 - $249,999.999
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 20, 2026: 0.10% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%
Business Investment Sweep 0.10% - 0.10%
Min Deposit $50
Min Balance $250,000
Details Balance: $250,000 - $499,999.999
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 20, 2026: 0.10% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%
Business Investment Sweep 0.10% - 0.10%
Min Deposit $50
Min Balance $500,000
Details Balance: $500,000 - $999,999.99
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 20, 2026: 0.10% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%
Business Investment Sweep 0.10% - 0.10%
Min Deposit $50
Min Balance $1,000,000
Details Balance: $1,000,000 And Up
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 20, 2026: 0.10% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%
Statement Draw 0.03% - 0.03%
Min Deposit $10
Min Balance $5
Last Updated 10/12/2026
Rate History
No change since Sep 20, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Sep 20, 2026: 0.03% APYSep 20, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.25%
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.
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Financial Health History

ives Bank’s Texas Ratio fell from 9.37% in Q3 2023 to 8.25% in Q2 2026, so its financial health has improved 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.

0% 1.0★ 4.4% 2.0★ 8.8% 3.0★ 13.2% 4.0★ 17.6% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 9.37% A Q3 2023 A Q4 2023 A Q1 2024 A Q2 2024 A Q3 2024 A Q4 2024 A Q1 2025 A Q2 2025 A Q3 2025 A Q4 2025 A Q1 2026 8.25% A Q2 2026
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)
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$1.7B8.25%5.0A
March 31, 2026$1.7B8.26%5.0A
December 31, 2025$1.7B8.35%5.0A
September 30, 2025$1.7B9.00%5.0A
June 30, 2025$1.7B10.10%5.0A
March 31, 2025$1.6B10.27%5.0A
December 31, 2024$1.6B11.06%5.0A
September 30, 2024$1.6B11.40%5.0A
June 30, 2024$1.6B13.00%5.0A
March 31, 2024$1.6B9.89%5.0A
December 31, 2023$1.6B10.44%5.0A
September 30, 2023$1.5B9.37%5.0A
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 ives 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 ives 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 ives Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name ives Bank
Bank Holding Company IVES MUTUAL HOLDING CO INC
Address 220 Main St, Danbury, CT 06810  ·  Western Connecticut
Website https://www.ivesbank.com/
FDIC Certificate # 15912
Established 18490626
FDIC Insurance Date 19420925
Domestic Offices 16
Total Branches 16
Regulator FDIC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A
Overall Health Grade Score: 96/100
5.0
Exceptional Out of 5.0 Stars
8.25%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 1.0842%
Return on Equity (ROE) 8.1500%
Non-Performing Loans (NPL) 1.17%
Total Assets $1,733,499,000
Total Deposits $1,369,747,000
Equity Capital $230,831,000
Net Income $9,230,000
Headquarters Danbury
Total Branches and Offices 16
Source: FDIC  |  Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

ives 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.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://www.monitorbankrates.com/banks/ives-bank-rates-review-15912">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for ives Bank yet. Feel free to create one below.
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Total Reviews
0
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Frequently Asked Questions About ives Bank

How many branches does ives Bank operate?

ives Bank currently maintains approximately 16 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, ives 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, ives Bank provides members with tools to manage their accounts and build a solid financial history.

Does ives Bank offer online and mobile banking?

Most modern institutions like ives 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.ivesbank.com/.

Current ives Bank Rates

  • 12-Month CD2.00%
  • 18-Month CD4.00%
  • 24-Month CD3.00%
  • 36-Month CD3.00%
  • 48-Month CD2.50%
  • 60-Month CD2.50%
  • Savings0.25%
  • MMA0.15%
Retrieved from our database of financial products. Rates subject to change.

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