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Emprise Bank Rates & Review September 2026

Emprise Bank's 15-Month CD/IRA Special rates are at 3.75%, 9-Month CD/IRA Special rates are at 3.60%, 4 Year Certificate rates are at 2.65%, 5 Year Certificate rates are at 2.65%, 2 Year CD rates are at 2.60%. Emprise Bank's savings rates are at 0.01%. Emprise Bank's money market rates are at 1.40%. Emprise Bank's Auto Loan Rates are as low as 5.91%. MonitorBankRates evaluates the financial stability of Emprise Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.58%. Rates last updated and verified on 09/18/2026.

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

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
3.58%
Excellent Lower than avg
Health Trend ?
Worsening 12 quarters
Full history ›
Emprise Bank
257 N Broadway Ave
Wichita, KS 67202
https://www.emprisebank.com
Member FDIC

Emprise Bank CD Rates

Product Rate APY Term View More
15 Month CD/IRA Special 3.69% 3.75% 15 Month
Min Deposit $1,000
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.58%
9 Month CD/IRA Special 3.58% 3.60% 9 Month
Min Deposit $1,000
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.58%
4 Year Certificate 2.62% 2.65% 4 Year
Min Deposit $1,000
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.58%
5 Year Certificate 2.62% 2.65% 5 Year
Min Deposit $1,000
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.58%
2 Year CD 2.57% 2.60% 2 Year
Min Deposit $1,000
Details Open Account Online
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.58%
3 Year CD 2.57% 2.60% 3 Year
Min Deposit $1,000
Details Open Account Online
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.58%
1 Year CD 2.52% 2.55% 1 Year
Min Deposit $1,000
Details Open Account Online
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.58%
18 Month CD 2.52% 2.55% 18 Month
Min Deposit $1,000
Details Open Account Online
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.58%
3 month CD 2.47% 2.50% 3 Months
Min Deposit $1,000
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.58%
6 month CD 2.48% 2.50% 6 Months
Min Deposit $1,000
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.58%
18 Month Variable CD/IRA 2.37% 2.40% 18 Month
Min Deposit $100
Details Additions of $100 or more are permitted.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.58%
5 Year Variable IRA 2.37% 2.40% 5 Year
Min Deposit $100
Details Additions of $100 or more are permitted.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.58%

Emprise Bank Savings Rates

Product Rate APY View More
Business Savings Account 0.15% 0.15%
Min Deposit $100
Details All interest bearing accounts and accounts which receive earnings credit are variable rate accounts. Interest & earnings credit rates on these accounts may change after account opening.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.58%
Regular Savings 0.15% 0.15%
Min Deposit $100
Details APY = Annual Percentage Yield. APYs accurate as of 09/15/2026. Interest rates and Annual Percentage Yields for savings accounts may change after account opening. All interest bearing savings accounts are variable interest rate. Fees may reduce earnings.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.58%
Youth Savings 0.15% 0.15%
Min Deposit $25
Details Maximum Online Opening Deposit: $100. APY = Annual Percentage Yield. APYs accurate as of 09/15/2026. Interest rates and Annual Percentage Yields for savings accounts may change after account opening. All interest bearing savings accounts are variable interest rate.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.58%
Savings Plus 0.01% 0.01%
Min Deposit $25
Details Cycle qualifications must be met.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.58%

Emprise Bank Money Market Rates

Product Rate APY View More
Business Money Market 2.05% 2.05%
Min Deposit $100
Min Balance $100,000
Details All interest bearing accounts and accounts which receive earnings credit are variable rate accounts. Interest & earnings credit rates on these accounts may change after account opening.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.58%
Business Money Market 2.05% 2.05%
Min Deposit $100
Min Balance $500,000
Details All interest bearing accounts and accounts which receive earnings credit are variable rate accounts. Interest & earnings credit rates on these accounts may change after account opening.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.58%
Business Money Market 2.05% 2.05%
Min Deposit $100
Min Balance $1,000,000
Details All interest bearing accounts and accounts which receive earnings credit are variable rate accounts. Interest & earnings credit rates on these accounts may change after account opening.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.58%
Money Market 2.03% 2.05%
Min Deposit $100
Min Balance $100,000
Details APY = Annual Percentage Yield. APYs accurate as of 09/15/2026. Interest rates and Annual Percentage Yields for savings accounts may change after account opening. All interest bearing savings accounts are variable interest rate. Fees may reduce earnings.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.58%
Business Money Market 1.55% 1.55%
Min Deposit $100
Min Balance $50,000
Details All interest bearing accounts and accounts which receive earnings credit are variable rate accounts. Interest & earnings credit rates on these accounts may change after account opening.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.58%
Money Market 1.54% 1.55%
Min Deposit $100
Min Balance $50,000
Details APY = Annual Percentage Yield. APYs accurate as of 09/15/2026. Interest rates and Annual Percentage Yields for savings accounts may change after account opening. All interest bearing savings accounts are variable interest rate. Fees may reduce earnings.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.58%
Business Money Market 1.40% 1.40%
Min Deposit $100
Min Balance $0
Details All interest bearing accounts and accounts which receive earnings credit are variable rate accounts. Interest & earnings credit rates on these accounts may change after account opening.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.58%
Business Money Market 1.40% 1.40%
Min Deposit $100
Min Balance $25,000
Details All interest bearing accounts and accounts which receive earnings credit are variable rate accounts. Interest & earnings credit rates on these accounts may change after account opening.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.58%
Money Market 1.39% 1.40%
Min Deposit $100
Min Balance $0
Details APY = Annual Percentage Yield. APYs accurate as of 09/15/2026. Interest rates and Annual Percentage Yields for savings accounts may change after account opening. All interest bearing savings accounts are variable interest rate. Fees may reduce earnings.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.58%
Money Market 1.39% 1.40%
Min Deposit $100
Min Balance $5,000
Details APY = Annual Percentage Yield. APYs accurate as of 09/15/2026. Interest rates and Annual Percentage Yields for savings accounts may change after account opening. All interest bearing savings accounts are variable interest rate. Fees may reduce earnings.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.58%
Money Market 1.39% 1.40%
Min Deposit $100
Min Balance $10,000
Details APY = Annual Percentage Yield. APYs accurate as of 09/15/2026. Interest rates and Annual Percentage Yields for savings accounts may change after account opening. All interest bearing savings accounts are variable interest rate. Fees may reduce earnings.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.58%
Money Market 1.39% 1.40%
Min Deposit $100
Min Balance $25,000
Details APY = Annual Percentage Yield. APYs accurate as of 09/15/2026. Interest rates and Annual Percentage Yields for savings accounts may change after account opening. All interest bearing savings accounts are variable interest rate. Fees may reduce earnings.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.58%

Emprise Bank Checking Rates

Product Rate APY View More
Business Interest Checking 0.60% 0.60%
Min Deposit $100
Min Balance $1,000,000
Details All interest bearing accounts and accounts which receive earnings credit are variable rate accounts. Interest & earnings credit rates on these accounts may change after account opening.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.58%
Business Interest Checking 0.50% 0.50%
Min Deposit $100
Min Balance $100,000
Details All interest bearing accounts and accounts which receive earnings credit are variable rate accounts. Interest & earnings credit rates on these accounts may change after account opening.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.58%
Business Interest Checking 0.50% 0.50%
Min Deposit $100
Min Balance $500,000
Details All interest bearing accounts and accounts which receive earnings credit are variable rate accounts. Interest & earnings credit rates on these accounts may change after account opening.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.58%
Business Interest Checking 0.40% 0.40%
Min Deposit $100
Min Balance $50,000
Details All interest bearing accounts and accounts which receive earnings credit are variable rate accounts. Interest & earnings credit rates on these accounts may change after account opening.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.58%
Business Interest Checking 0.15% 0.15%
Min Deposit $100
Min Balance $0
Details All interest bearing accounts and accounts which receive earnings credit are variable rate accounts. Interest & earnings credit rates on these accounts may change after account opening.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.58%
Business Interest Checking 0.15% 0.15%
Min Deposit $100
Min Balance $10,000
Details All interest bearing accounts and accounts which receive earnings credit are variable rate accounts. Interest & earnings credit rates on these accounts may change after account opening.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.58%
Business Interest Checking 0.15% 0.15%
Min Deposit $100
Min Balance $25,000
Details All interest bearing accounts and accounts which receive earnings credit are variable rate accounts. Interest & earnings credit rates on these accounts may change after account opening.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.58%
High Interest Checking 0.01% 0.01%
Min Deposit $100
Details Cycle qualifications must be met.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.58%

Emprise Bank Auto Loan Rates

Product Rate Points APR Term View More
New - 2025 Auto Loan 5.30% - 5.91% 48 months
Details Published APR range: 5.91%-10.73%; Published rate range: 5.30%-10.10%.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.58%
New - 2025 Auto Loan 5.55% - 6.02% 63 months
Details Published APR range: 6.02%-10.84%; Published rate range: 5.55%-10.35%.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.58%
2024 - 2020 Auto Loan 5.55% - 6.16% 48 months
Details Published APR range: 6.16%-10.98%; Published rate range: 5.55%-10.35%.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.58%
2024 - 2020 Auto Loan 5.80% - 6.27% 63 months
Details Published APR range: 6.27%-11.10%; Published rate range: 5.80%-10.60%.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.58%
2024 - 2020 Auto Loan 6.15% - 6.57% 72 months
Details Published APR range: 6.57%-11.39%; Published rate range: 6.15%-10.95%. Min Vehicle Value: $30,000
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.58%
2019 - 2011 Auto Loan 6.05% - 6.66% 48 months
Details Published APR range: 6.66%-11.48%; Published rate range: 6.05%-10.85%.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.58%
2019 - 2011 Auto Loan 6.30% - 6.77% 63 months
Details Published APR range: 6.77%-7.63%; Published rate range: 6.30%-7.15%. Min Vehicle Value: $20,000
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.58%
New Only Auto Loan 6.40% - 6.77% 84 months
Details Published APR range: 6.77%-7.62%; Published rate range: 6.40%-7.25%. Min Vehicle Value: $40,000
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.58%
New - 2025 Auto Loan 5.90% - 7.17% 72 months
Details Published APR range: 7.17%-11.14%; Published rate range: 5.90%-10.70%.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.58%

Emprise Bank RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
Boat or RV Loan 7.05% 7.67% 48 months
Details Published APR range: 7.67%-15.00%; Published rate range: 7.05%-14.35%.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.58%
Boat or RV Loan 7.30% 7.78% 63 months
Details Published APR range: 7.78%-15.12%; Published rate range: 7.30%-14.60%.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.58%
Boat or RV Loan 8.15% 8.52% 84 months
Details Published APR range: 8.52%-15.86%; Published rate range: 8.15%-15.45%.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.58%
Sport Bike, ATV, Jet Ski or Trailer Loan 8.05% 8.67% 48 months
Details Published APR range: 8.67%-15.00%; Published rate range: 8.05%-14.35%.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.58%
Boat or RV Loan 8.40% 8.68% 120 months
Details Published APR range: 8.68%-16.02%; Published rate range: 8.40%-15.70%. 120 month term for New RV's and Boats only and requires a minimum loan amount of $50,000.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.58%
Sport Bike, ATV, Jet Ski or Trailer Loan 8.30% 8.78% 63 months
Details Published APR range: 8.78%-15.12%; Published rate range: 8.30%-14.60%.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.58%
Sport Bike, ATV, Jet Ski or Trailer Loan 8.65% 9.08% 72 months
Details Published APR range: 9.08%-15.41%; Published rate range: 8.65%-14.95%.
Last Updated 09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.58%

Financial Health History

Emprise Bank’s Texas Ratio rose from 0.30% in Q3 2023 to 3.58% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 4.5 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 1.2% 2.0★ 2.4% 3.0★ 3.6% 4.0★ 4.8% 5.0★ Healthy zone – entire history below the 15% limit 0.30% 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 3.58% 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 Grade
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$2.8B3.58%5.0A+
March 31, 2026$2.8B2.57%5.0A+
December 31, 2025$2.8B2.99%5.0A+
September 30, 2025$2.7B2.45%5.0A+
June 30, 2025$2.6B3.27%5.0A+
March 31, 2025$2.6B2.49%5.0A+
December 31, 2024$2.5B2.45%5.0A+
September 30, 2024$2.5B1.78%5.0A+
June 30, 2024$2.5B1.87%5.0A+
March 31, 2024$2.5B0.80%5.0A+
December 31, 2023$2.5B1.09%5.0A+
September 30, 2023$2.5B0.30%4.5A
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 Emprise 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 Emprise 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 Emprise Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Emprise Bank
Bank Holding Company EMPRISE FINANCIAL CORP
Address 257 N Broadway Ave, Wichita, KS 67202  ·  Sedgwick
FDIC Certificate # 4789
Established 19100521
FDIC Insurance Date 19340101
Domestic Offices 32
Total Branches 32
Regulator FDIC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+
Overall Health Grade Score: 98/100
5.0
Exceptional Out of 5.0 Stars
3.58%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 1.5761%
Return on Equity (ROE) 21.0100%
Non-Performing Loans (NPL) 0.27%
Total Assets $2,820,619,000
Total Deposits $2,512,987,000
Equity Capital $211,815,000
Net Income $21,922,000
Headquarters Wichita
Total Branches and Offices 32
Source: FDIC  |  Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Emprise Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your 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 — no need to download or upload anything.

<a href="https://monitorbankrates.com/banks/emprise-bank-rates-review-4789">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews
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Frequently Asked Questions About Emprise Bank

How many branches does Emprise Bank operate?

Emprise Bank currently maintains approximately 32 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, Emprise 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, Emprise Bank provides members with tools to manage their accounts and build a solid financial history.

Does Emprise Bank offer online and mobile banking?

Most modern institutions like Emprise 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.emprisebank.com.

Current Emprise Bank Rates

  • 12-Month CD2.55%
  • 18-Month CD2.40%
  • 24-Month CD2.60%
  • 36-Month CD2.60%
  • 48-Month CD2.65%
  • 60-Month CD2.40%
  • Savings0.01%
  • MMA1.40%
Retrieved from our database of financial products. Rates subject to change.