Rates Rates effective as of April 16, 2025

Rates effective as of April 16, 2025

Certificate of Deposit Specials

Comparison table of Certificate of Deposit Specials.

	Min. Opening Deposit	Int.Interest Rate	Annual Percentage Yield
7 Months 1, 2, 3, 4	$500.00	4.30%	4.34%
9 Months 1, 2, 3, 4	$500.00	4.00%	4.02%
13 Months 1, 2, 3, 4	$500.00	3.85%	3.89%
12 Months Liquidity CD 5	$100,000.00	3.95%	3.99%

Certificate of Deposit^{1, 2, 3, 6}

Learn more by contacting us at one of our locations or visiting our Certificates of Deposit (CD) page.

Comparison table of Certificate of Deposit ^{1, 2, 3, 6}.

	Min. Opening Deposit	Int.Interest Rate	Annual Percentage Yield
31 Days	$2,500.00	2.40%	2.43%
91 Days	$2,500.00	2.55%	2.57%
182 Days	$1,000.00	2.65%	2.67%
12 Months	$500.00	2.80%	2.82%
18 Months	$500.00	3.10%	3.12%
24 Months	$500.00	3.25%	3.28%
30 Months	$500.00	2.65%	2.67%
36 Months	$500.00	2.55%	2.57%
48 Months	$500.00	2.45%	2.47%
60 Months	$500.00	2.40%	2.41%

Savings Accounts ⁷

Comparison table of Savings Accounts ⁷.

	Min. Opening Deposit	Int.Interest Rate	Annual Percentage Yield
Go Savings	$100.00	0.05%	0.05%

Go Money Market ⁷

Comparison table of Go Money Market ⁷ .

	Min. Opening Deposit	Int.Interest Rate	Annual Percentage Yield
$0 to $5,000.00	$1,000.00	0.50%	0.50%
$5,000.01 to $25,000.00	$1,000.00	1.10%	1.11%
$25,000.01 to $50,000.00	$1,000.00	1.20%	1.21%
$50,000.01 to $100,000.00	$1,000.00	1.40%	1.41%
$100,000.01 to $250,000.00	$1,000.00	1.95%	1.97%
$250,000.01 to $500,000.00	$1,000.00	2.20%	2.22%
$500,000.01 +	$1,000.00	2.40%	2.43%

IRA

Comparison table of IRA.

	Min. Opening Deposit	Int.Interest Rate	Annual Percentage Yield
Variable Rate IRA1, 2, 7	$100.00	3.50%	3.56%
9 Month Fixed Rate 1, 2	$100.00	4.00%	4.04%
12 Month Fixed Rate 1, 2	$100.00	2.80%	2.82%
18 Month Fixed Rate 1, 2	$100.00	3.10%	3.12%
36 Month Fixed Rate 1, 2	$500.00	2.55%	2.57%
48 Month Fixed Rate 1, 2	$500.00	2.45%	2.47%

Health Savings Accounts⁷

Comparison table of Health Savings Accounts⁷ .

	Min. Opening Deposit	Int.Interest Rate	Annual Percentage Yield
$0 to $500.00	$100.00	0.01%	0.01%
$500.01 – $5,000.00	$100.00	0.20%	0.20%
$5,000.01 – $15,000.00	$100.00	0.25%	0.25%
$15,000.01	$100.00	0.30%	0.30%

Business Checking ^{6, 7}

Comparison table of Business Checking ^{6, 7}.

	Min. Opening Deposit	Int.Interest Rate	Annual Percentage Yield
Non-Profit Business Checking (min. to earn interest is $1,000.01)	$50.00	0.01%	0.01%

Business Savings Accounts ⁷

Comparison table of Business Savings Accounts ⁷.

	Min. Opening Deposit	Int.Interest Rate	Annual Percentage Yield
Business Savings	$100.00	0.05%	0.05%

Business Money Market Account ⁷

Comparison table of Business Money Market Account ⁷.

	Min. Opening Deposit	Int.Interest Rate	Annual Percentage Yield
$0 to $5,000.00	$1,000.00	0.50%	0.50%
$5,000.01 to $25,000.00	$1,000.00	1.10%	1.11%
$25,000.01 to $50,000.00	$1,000.00	1.20%	1.21%
$50,000.01 to $100,000.00	$1,000.00	1.40%	1.41%
$100,000.01 to $250,000.00	$1,000.00	1.95%	1.97%
$250,000.01 to 500,000.00	$1,000.00	2.20%	2.22%
$500,000.01 +	$1,000.00	2.40%	2.43%

IMPORTANT INFORMATION - PLEASE READ

See your contract documents for the specific fees and terms of your account. 

Annual Percentage Yield (APY).

¹ A penalty may be imposed for early withdrawal. 

² Any withdrawal that reduces the balance below the minimum required to open the account may be treated as a withdrawal of the entire balance and the penalty calculated accordingly.

³ NEW MONEY can consist of money from matured Ergo Bank CDs, savings, money market and checking accounts.

⁴ Non-renewable at maturity. 

⁵ On the 7th day after the opening deposit you may withdraw from the principal balance without penalty during the term of the CD. Your next withdrawal will incur a penalty of 60 days of interest on the current balance, at that time and all accrued earnings will be paid and the account will be closed.

⁶ Fees may reduce earnings on the account. 

⁷ Rates may change at anytime by our discretion with no limitations.

Call 920-398-2336 for additional information.