Smart-E Rates | Ion Bank
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In observance of Columbus Day, our branches will be closed on Monday, October 12th. For your convenience, our ATMs, Online Banking, Mobile App, and Bank-by-Phone services are available 24/7. You can also use Zelle® to send or receive money with friends, family, and businesses. 

Smart-E Rates

Rates as of Saturday, October 10, 2026

Smart-E

Home Energy Improvement Loan Rates. Maximum loan amount $50,000.

Loan TermAPRPayment per $1,000Payments
5 Years6.990%$19.80Calculate Payments
7 Years6.990%$15.09Calculate Payments
10 Years6.990%$11.61Calculate Payments
12 Years7.490%$10.55Calculate Payments
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