Rates

All Rates

Rates effective as of 10/29/2025

Certificate of Deposit Specials

Comparison table of Certificate of Deposit Specials.

	Min. Opening Deposit	Interest Rate	Annual Percentage Yield
7 Months 1, 2, 3, 4	$500.00	3.90%	3.93%
9 Months 1, 2, 3, 4	$500.00	3.75%	3.77%
13 Months 1, 2, 3, 4	$500.00	3.60%	3.63%
12 Months Liquidity CD 3,4,5,6	$100,000.00	3.50%	3.53%

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	Interest Rate	Annual Percentage Yield
31 Days	$2,500.00	4.20%	4.28%
91 Days	$2,500.00	4.10%	4.16%
182 Days	$1,000.00	4.00%	4.04%
12 Months	$500.00	3.50%	3.53%
18 Months	$500.00	3.25%	3.28%
24 Months	$500.00	3.00%	3.02%
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	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	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	Interest Rate	Annual Percentage Yield
Variable Rate IRA1, 2, 7	$100.00	3.50%	3.56%
9 Month Fixed Rate 1, 2	$100.00	3.75%	3.79%
12 Month Fixed Rate 1, 2	$100.00	3.50%	3.53%
18 Month Fixed Rate 1, 2	$100.00	3.25%	3.28%
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	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	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	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	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.