Ergo Bank Rates and Review January 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
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Ergo Bank's 12-Month CD rates are at 3.58%, 18-Month CD rates are at 3.28%, 24-Month CD rates are at 3.17%, 36-Month CD rates are at 3.07%, 48-Month CD rates are at 3.02%. Ergo Bank's savings rates are at 0.05%. Ergo Bank's money market rates are at 0.40%.
To see how these rates compare to Ergo Bank CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from Ergo Bank, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with Ergo Bank CD rates. You can also compare Ergo Bank savings rates, MMA rates and mortgage rates using our other rate lists. Ergo 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 Ergo Bank? Share your experience about Ergo Bank by leaving a review below, or read customer reviews before you decide to use Ergo Bank. Ergo Bank Texas RatioErgo Bank's Texas Ratio is at 13.45%, which is considered excellent. The Texas Ratio for Ergo Bank is higher than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
Ergo Bank has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, Ergo Bank is a excellent bank worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs Avg
"N/A" indicates the product is not offered or the rate is unavailable. Ergo Bank CD Rates and Interest Rates
Ergo Bank
12-Month CD
3.58%
$500
Ergo Bank
18-Month CD
3.28%
$500
Ergo Bank
24-Month CD
3.17%
$500
Ergo Bank
36-Month CD
3.07%
$50
Ergo Bank
48-Month CD
3.02%
$500
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Compare Ergo Bank Rates with Other Competitive Bank and Credit Union Rates
Citizens Bank & Trust Company KY
18-Month CD
4.01%
$500
Live Oak Bank
18-Month CD
3.80%
$2,500
St. Ansgar State Bank
24-Month CD
3.53%
$5,000
Freedom Bank of Southern Missouri
12-Month CD
3.51%
$1,000
Merchants Bank of Indiana
6-Month CD
3.50%
$1,000
Show More
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
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Bank Profile & OverviewErgo Bank
86 E Water StMarkesan, WI 53946 Green Lake Established Date: 01/20/1910 FDIC Certificate #: 10004 Date of FDIC Deposit Insurance: 01/01/1934 Bank Holding Company: FS BANCSHARES INC How Many Domestic U.S. Offices? 5 How Many Branches are There? 5 Website: https://www.ergobank.com
Is Ergo Bank FDIC Insured? Yes
What is Ergo Bank's Cert number? 10004
What is the maximum amount for insured deposits? $250,000 per holder, per account
Financial Health & AssetsTotal Assets:
$232,953,000
Total Deposits:
$181,883,000
Equity Capital:
$22,312,000
Net Income:
$244,000
Return on Assets (ROA):
0.7846%
Return on Equity (ROE):
8.6900%
Headquarters:
Markesan
Regulator:
FDIC
# of Offices:
5
Source: FDIC | Last Updated 03/31/2024
Customer ReviewsThere are no reviews for Ergo Bank yet. Feel free to create one below.
Add Your Rating and Review for Ergo Bank
Frequently Asked Questions About Ergo BankHow do I open an account at Ergo Bank?You can typically open an account at Ergo Bank by visiting a local branch or applying through their official website. Is there a first-time homebuyer program?Currently, Ergo Bank provides a range of mortgage and home equity products. Is Ergo Bank a safe place to deposit money?Yes, Ergo Bank is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor. Does Ergo Bank offer online and mobile banking?Most modern institutions like Ergo Bank provide digital access including online balance checks and transfers. Compare to other Banks |
