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Emprise Bank Rates & Review November 2026

Q: What are the current interest rates at Emprise Bank?

Current rates for Emprise Bank include: 12-Month CD: 2.70%, 18-Month CD: 2.50%, 24-Month CD: 2.75%, 36-Month CD: 2.80%, 48-Month CD: 2.80%, 60-Month CD: 2.50%, Savings: 0.15%, MMA: 2.15%

Q: What CD terms does Emprise Bank offer?

Emprise Bank CD rates are 2.70% APY for a 12 month CD, 2.75% APY for an 18 month CD, 2.75% APY for a 2 year CD, 2.80% APY for a 3 year CD, 2.80% APY for a 4 year CD and 2.80% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Emprise Bank for its full lineup.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 5, 2026

Emprise Bank's 3 Year CD rates are at 2.80%, 4 Year CD rates are at 2.80%, 5 Year CD rates are at 2.80%, 18-Month CD rates are at 2.75%, 2 Year CD rates are at 2.75%. Emprise Bank's savings rates are at 0.15%. Emprise Bank's money market rates are at 2.15%. Emprise Bank's checking rates are as high as 3.50%. Emprise Bank's RV, Boat and Powersport Loan Rates are as low as 5.91%. Emprise Bank's top CD rate of 4.00% APY on a 15 month CD is 34% higher than the MonitorBankRates national average of 2.98% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Emprise Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.11%. Rates last updated and verified on 11/05/2026.

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.

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

3.11%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Emprise Bank

257 N Broadway Ave
Wichita, KS 67202

https://www.emprisebank.com

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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.

Emprise Bank CD Rates

Product	Rate	APY	Term	Min. Deposit
15-Month CD/IRA Special	3.93%	4.00%	15 Month	$1,000
Min Deposit $1,000 Details Open Account Online; Special rate; APYs accurate as of 10/06/2026; Early withdrawal penalty may apply Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75% Oct 7, 20264.00%▲ from 3.75% Sep 18, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.11%
9-Month CD/IRA Special	3.73%	3.75%	9 Month	$1,000
Min Deposit $1,000 Details Special rate; APYs accurate as of 10/06/2026; Early withdrawal penalty may apply Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.75% / low 3.60% Oct 7, 20263.75%▲ from 3.60% Sep 18, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.11%
3-Year CD	2.76%	2.80%	3 Year	$1,000
Min Deposit $1,000 Details Open Account Online; APYs accurate as of 10/06/2026; Early withdrawal penalty may apply Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 2.60% → 2.80% ▲ 0.20 pts · high 2.80% / low 2.60% Oct 7, 20262.80%▲ from 2.60% Sep 18, 20262.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.11%
4-Year CD	2.76%	2.80%	4 Year	$1,000
Min Deposit $1,000 Details APYs accurate as of 10/06/2026; Early withdrawal penalty may apply Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 2.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.11%
5-Year CD	2.76%	2.80%	5 Year	$1,000
Min Deposit $1,000 Details APYs accurate as of 10/06/2026; Early withdrawal penalty may apply Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 2.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.11%
18-Month CD	2.72%	2.75%	18 Month	$1,000
Min Deposit $1,000 Details Open Account Online; APYs accurate as of 10/06/2026; Early withdrawal penalty may apply Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 2.55% → 2.75% ▲ 0.20 pts · high 2.75% / low 2.55% Oct 7, 20262.75%▲ from 2.55% Sep 18, 20262.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.11%
2-Year CD	2.72%	2.75%	2 Year	$1,000
Min Deposit $1,000 Details Open Account Online; APYs accurate as of 10/06/2026; Early withdrawal penalty may apply Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 2.60% → 2.75% ▲ 0.15 pts · high 2.75% / low 2.60% Oct 7, 20262.75%▲ from 2.60% Sep 18, 20262.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.11%
1-Year CD	2.67%	2.70%	1 Year	$1,000
Min Deposit $1,000 Details Open Account Online; APYs accurate as of 10/06/2026; Early withdrawal penalty may apply Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 2.55% → 2.70% ▲ 0.15 pts · high 2.70% / low 2.55% Oct 7, 20262.70%▲ from 2.55% Sep 18, 20262.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.11%
6-Month CD	2.63%	2.65%	6 Months	$1,000
Min Deposit $1,000 Details APYs accurate as of 10/06/2026; Early withdrawal penalty may apply Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 2.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.11%
3-Month CD	2.58%	2.60%	3 Months	$1,000
Min Deposit $1,000 Details Duration: 3 Months (CD Only); APYs accurate as of 10/06/2026; Early withdrawal penalty may apply Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 2.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.11%
18-Month Variable CD/IRA	2.47%	2.50%	18 Month	$100
Min Deposit $100 Details Variable rate; Additions of $100 or more permitted; Fees may reduce earnings; APYs accurate as of 10/06/2026 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 2.40% → 2.50% ▲ 0.10 pts · high 2.50% / low 2.40% Oct 7, 20262.50%▲ from 2.40% Sep 18, 20262.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.11%
5-Year Variable IRA	2.47%	2.50%	5 Year	$100
Min Deposit $100 Details Variable rate; Additions of $100 or more permitted; Fees may reduce earnings; APYs accurate as of 10/06/2026 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 2.40% → 2.50% ▲ 0.10 pts · high 2.50% / low 2.40% Oct 7, 20262.50%▲ from 2.40% Sep 18, 20262.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.11%

Emprise Bank Business CD Rates

Product	Rate	APY	Term	Min. Deposit
Business 3-Year CD	2.76%	2.80%	3 Year	$1,000
Min Deposit $1,000 Details Open Account Online; APYs accurate as of 10/06/2026; Early withdrawal penalty may apply Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 2.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.11%
Business 4-Year CD	2.76%	2.80%	4 Year	$1,000
Min Deposit $1,000 Details APYs accurate as of 10/06/2026; Early withdrawal penalty may apply Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 2.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.11%
Business 5-Year CD	2.76%	2.80%	5 Year	$1,000
Min Deposit $1,000 Details APYs accurate as of 10/06/2026; Early withdrawal penalty may apply Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 2.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.11%
Business 18-Month CD	2.72%	2.75%	18 Month	$1,000
Min Deposit $1,000 Details Open Account Online; APYs accurate as of 10/06/2026; Early withdrawal penalty may apply Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 2.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.11%
Business 2-Year CD	2.72%	2.75%	2 Year	$1,000
Min Deposit $1,000 Details Open Account Online; APYs accurate as of 10/06/2026; Early withdrawal penalty may apply Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 2.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.11%
Business 1-Year CD	2.67%	2.70%	1 Year	$1,000
Min Deposit $1,000 Details Open Account Online; APYs accurate as of 10/06/2026; Early withdrawal penalty may apply Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 2.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.11%
Business 6-Month CD	2.63%	2.65%	6 Months	$1,000
Min Deposit $1,000 Details APYs accurate as of 10/06/2026; Early withdrawal penalty may apply Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 2.65% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.11%
Business 3-Month CD	2.58%	2.60%	3 Months	$1,000
Min Deposit $1,000 Details Duration: 3 Months (CD Only); APYs accurate as of 10/06/2026; Early withdrawal penalty may apply Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 2.60% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.11%

Emprise Bank Savings Rates

Product	Rate	APY
Regular Savings	0.15%	0.15%
Min Deposit $100 Min Balance $0 Details Balance: All Balances; APYs accurate as of 09/15/2026 Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 0.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.11%
Youth Savings	0.15%	0.15%
Min Deposit $25 Min Balance $0 Details Balance: All Balances; Maximum Online Opening Deposit: $100; APYs accurate as of 09/15/2026 Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 0.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.11%

Emprise Bank Business Savings Rates

Product	Rate	APY	View More
Business Savings Account	0.15%	0.15%
Min Deposit $100 Min Balance $0 Details Balance: All Balances; Variable rate account Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 0.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.11%

Emprise Bank Money Market Rates

Product	Rate	APY
Money Market	2.13%	2.15%
Min Deposit $100 Min Balance $100,000 Details Balance: $100,000 or more; APYs accurate as of 10/06/2026 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 2.05% → 2.15% ▲ 0.10 pts · high 2.15% / low 2.05% Oct 7, 20262.15%▲ from 2.05% Sep 18, 20262.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.11%
Money Market	1.64%	1.65%
Min Deposit $100 Min Balance $50,000 Details Balance: $50,000 - $99,999; APYs accurate as of 10/06/2026 Last Updated 11/05/2026 Rate History 1 change since Sep 27, 2026 · 1.55% → 1.65% ▲ 0.10 pts · high 1.65% / low 1.55% Oct 7, 20261.65%▲ from 1.55% Sep 27, 20261.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.11%
Money Market	1.44%	1.45%
Min Deposit $100 Min Balance $0 Details Balance: $0 - $4,999; APYs accurate as of 10/06/2026 Last Updated 11/05/2026 Rate History 1 change since Sep 27, 2026 · 1.40% → 1.45% ▲ 0.05 pts · high 1.45% / low 1.40% Oct 7, 20261.45%▲ from 1.40% Sep 27, 20261.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.11%
Money Market	1.44%	1.45%
Min Deposit $100 Min Balance $5,000 Details Balance: $5,000 - $9,999; APYs accurate as of 10/06/2026 Last Updated 11/05/2026 Rate History 1 change since Sep 27, 2026 · 1.40% → 1.45% ▲ 0.05 pts · high 1.45% / low 1.40% Oct 7, 20261.45%▲ from 1.40% Sep 27, 20261.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.11%
Money Market	1.44%	1.45%
Min Deposit $100 Min Balance $10,000 Details Balance: $10,000 - $24,999; APYs accurate as of 10/06/2026 Last Updated 11/05/2026 Rate History 1 change since Sep 27, 2026 · 1.40% → 1.45% ▲ 0.05 pts · high 1.45% / low 1.40% Oct 7, 20261.45%▲ from 1.40% Sep 27, 20261.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.11%
Money Market	1.44%	1.45%
Min Deposit $100 Min Balance $25,000 Details Balance: $25,000 - $49,999; APYs accurate as of 10/06/2026 Last Updated 11/05/2026 Rate History 1 change since Sep 27, 2026 · 1.40% → 1.45% ▲ 0.05 pts · high 1.45% / low 1.40% Oct 7, 20261.45%▲ from 1.40% Sep 27, 20261.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.11%

Emprise Bank Business Money Market Rates

Product	Rate	APY
Business Money Market	2.15%	2.15%
Min Deposit $100 Min Balance $100,000 Details Balance: $100,000 - $499,999; Variable rate account Last Updated 11/05/2026 Rate History 1 change since Sep 27, 2026 · 2.05% → 2.15% ▲ 0.10 pts · high 2.15% / low 2.05% Oct 7, 20262.15%▲ from 2.05% Sep 27, 20262.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.11%
Business Money Market	2.15%	2.15%
Min Deposit $100 Min Balance $500,000 Details Balance: $500,000 - $999,999; Variable rate account Last Updated 11/05/2026 Rate History 1 change since Sep 27, 2026 · 2.05% → 2.15% ▲ 0.10 pts · high 2.15% / low 2.05% Oct 7, 20262.15%▲ from 2.05% Sep 27, 20262.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.11%
Business Money Market	2.15%	2.15%
Min Deposit $100 Min Balance $1,000,000 Details Balance: $1,000,000 and Over; Variable rate account Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 2.05% → 2.15% ▲ 0.10 pts · high 2.15% / low 2.05% Oct 7, 20262.15%▲ from 2.05% Sep 18, 20262.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.11%
Business Money Market	1.65%	1.65%
Min Deposit $100 Min Balance $50,000 Details Balance: $50,000 - $99,999; Variable rate account Last Updated 11/05/2026 Rate History 1 change since Sep 27, 2026 · 1.55% → 1.65% ▲ 0.10 pts · high 1.65% / low 1.55% Oct 7, 20261.65%▲ from 1.55% Sep 27, 20261.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.11%
Business Money Market	1.45%	1.45%
Min Deposit $100 Min Balance $0 Details Balance: $0 - $24,999; Variable rate account Last Updated 11/05/2026 Rate History 1 change since Sep 27, 2026 · 1.40% → 1.45% ▲ 0.05 pts · high 1.45% / low 1.40% Oct 7, 20261.45%▲ from 1.40% Sep 27, 20261.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.11%
Business Money Market	1.45%	1.45%
Min Deposit $100 Min Balance $25,000 Details Balance: $25,000 - $49,999; Variable rate account Last Updated 11/05/2026 Rate History 1 change since Sep 27, 2026 · 1.40% → 1.45% ▲ 0.05 pts · high 1.45% / low 1.40% Oct 7, 20261.45%▲ from 1.40% Sep 27, 20261.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.11%

Emprise Bank Checking Rates

Product	Rate	APY	View More
High Interest Checking	3.45%	3.50%
Min Deposit $100 Min Balance $0 Details Qualifications Required; Balance: $0-$10,000; Cycle qualifications must be met; APYs accurate as of 09/15/2026 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.11%

Emprise Bank Business Checking Rates

Product	Rate	APY
Business Interest Checking	0.60%	0.60%
Min Deposit $100 Min Balance $1,000,000 Details Balance: $1,000,000+; Variable rate account Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.60% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.11%
Business Interest Checking	0.50%	0.50%
Min Deposit $100 Min Balance $100,000 Details Balance: $100,000 - $499,999; Variable rate account Last Updated 11/05/2026 Rate History No change since Sep 27, 2026 · 0.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.11%
Business Interest Checking	0.50%	0.50%
Min Deposit $100 Min Balance $500,000 Details Balance: $500,000 - $999,999; Variable rate account Last Updated 11/05/2026 Rate History No change since Sep 27, 2026 · 0.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.11%
Business Interest Checking	0.40%	0.40%
Min Deposit $100 Min Balance $50,000 Details Balance: $50,000 - $99,999; Variable rate account Last Updated 11/05/2026 Rate History No change since Sep 27, 2026 · 0.40% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.11%
Business Interest Checking	0.15%	0.15%
Min Deposit $100 Min Balance $0 Details Balance: $0 - $9,999; Variable rate account Last Updated 11/05/2026 Rate History No change since Sep 27, 2026 · 0.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.11%
Business Interest Checking	0.15%	0.15%
Min Deposit $100 Min Balance $10,000 Details Balance: $10,000 - $24,999; Variable rate account Last Updated 11/05/2026 Rate History No change since Sep 27, 2026 · 0.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.11%
Business Interest Checking	0.15%	0.15%
Min Deposit $100 Min Balance $25,000 Details Balance: $25,000 - $49,999; Variable rate account Last Updated 11/05/2026 Rate History No change since Sep 27, 2026 · 0.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.11%

Emprise Bank Auto Loan Rates

Product	Rate	Points	APR	Term
New & Used Vehicle/Touring Motorcycle Loan	5.30%	-	5.91%	48 months
Details Year: New - 2025; Rate range: 5.30%-10.10%; APR range: 5.91%-10.73%; Rates effective as of 09/16/2026 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 5.91% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.11%
New & Used Vehicle/Touring Motorcycle Loan	5.55%	-	6.02%	63 months
Details Year: New - 2025; Rate range: 5.55%-10.35%; APR range: 6.02%-10.84%; Rates effective as of 09/16/2026 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 6.02% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.11%
New & Used Vehicle/Touring Motorcycle Loan	5.55%	-	6.16%	48 months
Details Year: 2024 - 2020; Rate range: 5.55%-10.35%; APR range: 6.16%-10.98%; Rates effective as of 09/16/2026 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 6.16% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.11%
New & Used Vehicle/Touring Motorcycle Loan	5.80%	-	6.27%	63 months
Details Year: 2024 - 2020; Rate range: 5.80%-10.60%; APR range: 6.27%-11.10%; Rates effective as of 09/16/2026 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 6.27% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.11%
New & Used Vehicle/Touring Motorcycle Loan	6.15%	-	6.57%	72 months
Details Year: 2024 - 2020; Min Vehicle Value: $30,000; Rate range: 6.15%-10.95%; APR range: 6.57%-11.39%; Rates effective as of 09/16/2026 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 6.57% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.11%
New & Used Vehicle/Touring Motorcycle Loan	6.05%	-	6.66%	48 months
Details Year: 2019 - 2011; Rate range: 6.05%-10.85%; APR range: 6.66%-11.48%; Rates effective as of 09/16/2026 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 6.66% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.11%
New & Used Vehicle/Touring Motorcycle Loan	6.40%	-	6.77%	84 months
Details Year: New Only; Min Vehicle Value: $40,000; Rate range: 6.40%-7.25%; APR range: 6.77%-7.62%; 2025 & newer, less than 5K miles; Rates effective as of 09/16/2026 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 6.77% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.11%
New & Used Vehicle/Touring Motorcycle Loan	6.30%	-	6.77%	63 months
Details Year: 2019 - 2011; Min Vehicle Value: $20,000; Rate range: 6.30%-7.15%; APR range: 6.77%-7.63%; Rates effective as of 09/16/2026 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 6.77% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.11%
New & Used Vehicle/Touring Motorcycle Loan	5.90%	-	7.17%	72 months
Details Year: New - 2025; Rate range: 5.90%-10.70%; APR range: 7.17%-11.14%; Rates effective as of 09/16/2026 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 7.17% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.11%

Emprise Bank RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat or RV Loan	7.05%	7.67%	48 months
Details Year: New & Used; Rate range: 7.05%-14.35%; APR range: 7.67%-15.00%; Rates effective as of 09/16/2026 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 7.67% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.11%
Boat or RV Loan	7.30%	7.78%	63 months
Details Year: New & Used; Rate range: 7.30%-14.60%; APR range: 7.78%-15.12%; Rates effective as of 09/16/2026 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 7.78% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.11%
Boat or RV Loan	8.15%	8.52%	84 months
Details Year: New & Used; Rate range: 8.15%-15.45%; APR range: 8.52%-15.86%; Rates effective as of 09/16/2026 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 8.52% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.11%
New & Used Sport Bike, ATV, Jet Ski or Trailer Loan	8.05%	8.67%	48 months
Details Year: 2012 & Newer; Rate range: 8.05%-14.35%; APR range: 8.67%-15.00%; 60 month term requires minimum loan of $15,000; Rates effective as of 09/16/2026 Last Updated 11/05/2026 Rate History No change since Sep 27, 2026 · 8.67% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.11%
Boat or RV Loan	8.40%	8.68%	120 months
Details Year: New & Used; Rate range: 8.40%-15.70%; APR range: 8.68%-16.02%; New RV and Boat only; minimum loan amount $50,000; Rates effective as of 09/16/2026 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 8.68% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.11%
New & Used Sport Bike, ATV, Jet Ski or Trailer Loan	8.30%	8.78%	63 months
Details Year: 2012 & Newer; Rate range: 8.30%-14.60%; APR range: 8.78%-15.12%; Rates effective as of 09/16/2026 Last Updated 11/05/2026 Rate History No change since Sep 27, 2026 · 8.78% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.11%
New & Used Sport Bike, ATV, Jet Ski or Trailer Loan	8.65%	9.08%	72 months
Details Year: 2012 & Newer; Rate range: 8.65%-14.95%; APR range: 9.08%-15.41%; Rates effective as of 09/16/2026 Last Updated 11/05/2026 Rate History No change since Sep 27, 2026 · 9.08% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.11%

Emprise Bank Other Rates

Product	Rate	Points	APY/APR
Business Loan	6.99%	-	6.99%
Details Limited-time offer; fixed-rate business loan up to $250,000; 6.99% fixed rate when you auto debit payments from a qualifying Emprise business checking account Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.11%
Business Loan	7.49%	-	7.49%
Details Limited-time offer; fixed-rate business loan up to $250,000; 7.49% fixed rate without auto debit from a qualifying Emprise business checking account Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.11%

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

Emprise Bank’s Texas Ratio rose from 0.30% in Q3 2023 to 3.11% in Q2 2026, so its financial health has stayed very strong 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.

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

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$2.8B	3.11%	5.0	A+
March 31, 2026	$2.8B	1.83%	5.0	A+
December 31, 2025	$2.8B	2.99%	5.0	A+
September 30, 2025	$2.7B	2.45%	5.0	A+
June 30, 2025	$2.6B	3.27%	5.0	A+
March 31, 2025	$2.6B	2.49%	5.0	A+
December 31, 2024	$2.5B	2.45%	5.0	A+
September 30, 2024	$2.5B	1.78%	5.0	A+
June 30, 2024	$2.5B	1.87%	5.0	A+
March 31, 2024	$2.5B	0.80%	5.0	A+
December 31, 2023	$2.5B	1.09%	5.0	A+
September 30, 2023	$2.5B	0.30%	4.5	A

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

Bank Name Emprise Bank

Website https://www.emprisebank.com

Address 257 N Broadway Ave, Wichita, KS 67202 · Sedgwick

Bank Holding Company EMPRISE FINANCIAL CORP

FDIC Certificate # 4789

Regulator FDIC

Established May 21, 1910

FDIC Insurance Date January 1, 1934

Domestic Offices 32

Total Branches 32

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.11%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.5761%

Return on Equity (ROE)

21.0100%

Non-Performing Loans Ratio (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

Source: FDIC — Last Updated June 30, 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, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

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  <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

There are no reviews for Emprise Bank yet. Feel free to create one below.

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Emprise Bank

Does Emprise Bank offer CDs?

Yes. Emprise Bank current CD rates include its 3 Year CD at 2.80% APY, its 4 Year CD at 2.80% APY and its 5 Year CD at 2.80% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from Emprise Bank FDIC insured?

Yes. Emprise Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Emprise Bank?

The highest Emprise Bank CD rate is its 15-Month CD/IRA Special at 4.00% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does Emprise Bank offer?

Emprise Bank CD rates are 2.70% APY for a 12 month CD, 2.75% APY for an 18 month CD, 2.75% APY for a 2 year CD, 2.80% APY for a 3 year CD, 2.80% APY for a 4 year CD and 2.80% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Emprise Bank for its full lineup.

What is the highest savings rate at Emprise Bank?

The highest Emprise Bank savings rate is its Business Savings Account at 0.15% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest money market rate at Emprise Bank?

The highest Emprise Bank money market rate is its Business Money Market at 2.15% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest checking rate at Emprise Bank?

The highest Emprise Bank checking rate is its High Interest Checking at 3.50% APY, verified by MonitorBankRates as of November 5, 2026.

What is the lowest auto loan rate at Emprise Bank?

The lowest Emprise Bank auto loan rate is its New & Used Vehicle/Touring Motorcycle Loan at 5.30%, verified by MonitorBankRates as of November 5, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Emprise Bank rates compare?

Emprise Bank's top CD rate of 4.00% APY on a 15 month CD is 34% higher than the MonitorBankRates national average of 2.98% APY for that term, and it has an A+ health rating. Emprise Bank's top rates are its 15-Month CD/IRA Special at 4.00% APY, its Business Savings Account at 0.15% APY, its Business Money Market at 2.15% APY, its High Interest Checking at 3.50% APY and its New & Used Vehicle/Touring Motorcycle Loan at 5.91% APR, verified by MonitorBankRates on November 5, 2026.

Current Emprise Bank Rates

12-Month CD2.70%
18-Month CD2.50%
24-Month CD2.75%
36-Month CD2.80%
48-Month CD2.80%
60-Month CD2.50%
Savings0.15%
MMA2.15%

Retrieved from our database of financial products. Rates subject to change.

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Emprise Bank Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Emprise Bank Texas Ratio

Emprise Bank Health Trend

Emprise Bank CD Rates

Emprise Bank Business CD Rates

Emprise Bank Savings Rates

Emprise Bank Business Savings Rates

Emprise Bank Money Market Rates

Emprise Bank Business Money Market Rates

Emprise Bank Checking Rates

Emprise Bank Business Checking Rates

Emprise Bank Auto Loan Rates

Emprise Bank RV, Boat and Powersport Loan Rates

Emprise Bank Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

Emprise Bank earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Emprise Bank

Does Emprise Bank offer CDs?

Are CDs from Emprise Bank FDIC insured?

What is the highest CD rate at Emprise Bank?

What CD terms does Emprise Bank offer?

What is the highest savings rate at Emprise Bank?

What is the highest money market rate at Emprise Bank?

What is the highest checking rate at Emprise Bank?

What is the lowest auto loan rate at Emprise Bank?

How many branches does Emprise Bank operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Emprise Bank offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Emprise Bank rates compare?

Current Emprise Bank Rates

Compare to Other Banks