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Emprise Bank Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: September 18, 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.
Emprise Bank has earned an overall safety grade of A+ (Exceptional, Score: 98/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective FDIC regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Emprise Bank has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
3.58%
ExcellentLower than avg
Emprise Bank Texas Ratio
Emprise Bank's Texas Ratio is 3.58%, which is considered excellent and is lower than the national average of 5.85%.
Emprise Bank has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
0.30% to 3.58% over 12 quarters, worseningFull history
Star Rating 4.5 to 5.0, Health Grade A to A+
The Texas Ratio for this bank has weakened since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
DetailsAll 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 Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.58%
Regular Savings
0.15%
0.15%
Min Deposit$100
DetailsAPY = 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 Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.58%
Youth Savings
0.15%
0.15%
Min Deposit$25
DetailsMaximum 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 Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.58%
Savings Plus
0.01%
0.01%
Min Deposit$25
DetailsCycle qualifications must be met.
Last Updated09/18/2026
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
DetailsAll 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 Updated09/18/2026
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
DetailsAll 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 Updated09/18/2026
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
DetailsAll 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 Updated09/18/2026
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
DetailsAPY = 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 Updated09/18/2026
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
DetailsAll 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 Updated09/18/2026
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
DetailsAPY = 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 Updated09/18/2026
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
DetailsAll 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 Updated09/18/2026
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
DetailsAll 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 Updated09/18/2026
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
DetailsAPY = 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 Updated09/18/2026
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
DetailsAPY = 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 Updated09/18/2026
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
DetailsAPY = 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 Updated09/18/2026
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
DetailsAPY = 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 Updated09/18/2026
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
DetailsAll 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 Updated09/18/2026
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
DetailsAll 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 Updated09/18/2026
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
DetailsAll 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 Updated09/18/2026
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
DetailsAll 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 Updated09/18/2026
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
DetailsAll 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 Updated09/18/2026
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
DetailsAll 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 Updated09/18/2026
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
DetailsAll 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 Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.58%
High Interest Checking
0.01%
0.01%
Min Deposit$100
DetailsCycle qualifications must be met.
Last Updated09/18/2026
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
DetailsPublished APR range: 5.91%-10.73%; Published rate range: 5.30%-10.10%.
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.58%
New - 2025 Auto Loan
5.55%
-
6.02%
63 months
DetailsPublished APR range: 6.02%-10.84%; Published rate range: 5.55%-10.35%.
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.58%
2024 - 2020 Auto Loan
5.55%
-
6.16%
48 months
DetailsPublished APR range: 6.16%-10.98%; Published rate range: 5.55%-10.35%.
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.58%
2024 - 2020 Auto Loan
5.80%
-
6.27%
63 months
DetailsPublished APR range: 6.27%-11.10%; Published rate range: 5.80%-10.60%.
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.58%
2024 - 2020 Auto Loan
6.15%
-
6.57%
72 months
DetailsPublished APR range: 6.57%-11.39%; Published rate range: 6.15%-10.95%. Min Vehicle Value: $30,000
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.58%
2019 - 2011 Auto Loan
6.05%
-
6.66%
48 months
DetailsPublished APR range: 6.66%-11.48%; Published rate range: 6.05%-10.85%.
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.58%
2019 - 2011 Auto Loan
6.30%
-
6.77%
63 months
DetailsPublished APR range: 6.77%-7.63%; Published rate range: 6.30%-7.15%. Min Vehicle Value: $20,000
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.58%
New Only Auto Loan
6.40%
-
6.77%
84 months
DetailsPublished APR range: 6.77%-7.62%; Published rate range: 6.40%-7.25%. Min Vehicle Value: $40,000
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.58%
New - 2025 Auto Loan
5.90%
-
7.17%
72 months
DetailsPublished APR range: 7.17%-11.14%; Published rate range: 5.90%-10.70%.
Last Updated09/18/2026
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
DetailsPublished APR range: 7.67%-15.00%; Published rate range: 7.05%-14.35%.
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.58%
Boat or RV Loan
7.30%
7.78%
63 months
DetailsPublished APR range: 7.78%-15.12%; Published rate range: 7.30%-14.60%.
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.58%
Boat or RV Loan
8.15%
8.52%
84 months
DetailsPublished APR range: 8.52%-15.86%; Published rate range: 8.15%-15.45%.
Last Updated09/18/2026
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
DetailsPublished APR range: 8.67%-15.00%; Published rate range: 8.05%-14.35%.
Last Updated09/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.58%
Boat or RV Loan
8.40%
8.68%
120 months
DetailsPublished 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 Updated09/18/2026
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
DetailsPublished APR range: 8.78%-15.12%; Published rate range: 8.30%-14.60%.
Last Updated09/18/2026
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
DetailsPublished APR range: 9.08%-15.41%; Published rate range: 8.65%-14.95%.
Last Updated09/18/2026
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.
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
3.58%
5.0
A+
March 31, 2026
$2.8B
2.57%
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
Institution NameEmprise Bank
Bank Holding CompanyEMPRISE FINANCIAL CORP
Address
257 N Broadway Ave,
Wichita, KS 67202 · Sedgwick
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Customer Reviews
There are no reviews for Emprise Bank yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Emprise Bank
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.