Ergo Bank: Savings Accounts, CDs, Money Market & Rates

By Aviel Fahl

Updated: 8/16/2026

Mission: Banksparency aims to make Ergo Bank's deposit accounts transparent and comparable to the market.

Interest rates reported as APY

Analysis of Ergo Bank

Our verdict

CD Analysis

Ergo Bank offers CDs paying up to 4.03% APY on its 7 months term, across 12 term lengths.

Tracking 18 active CD products, useful for locking in today's rate before further moves at the Fed.

Best CD use: locking in 4.03% APY for a 7 months term and laddering across multiple maturities.

Ergo Bank also offers Go Money Market, a money market account paying 2.22% APY with a $1,000 minimum deposit.

At 2.22% APY, Ergo Bank pays 4x the national money market average of 0.63%.

Additional Accounts

Go Savings, a savings account at 0.05% APY.
Business Money Market, a business money market account at 2.22% APY.
Health Savings Account, a health savings account (HSA) at 0.30% APY.

Ideal User Profile

Best for: simple saving without extra requirements.

IRA Analysis

Ergo Bank also offers an IRA savings account paying up to 3.53% APY.

Tracking 1 active IRA savings product, useful for tax-advantaged retirement savings.

Best IRA use: tax-advantaged retirement saving.

Important Considerations

Business Money Market is a business money market account. Available to business customers.

Health Savings Account is a health savings account (HSA). Requires an eligible high-deductible health plan and is intended for qualified medical expenses.

No app ratings available for this bank.

iOS app rating is not available.

Android app rating is not available.

Deposit Accounts Overview

Business Money Market

Savings

2.22% APY

Tiered Range: 0.40% - 2.22%

Min: $1,000 Branch Access

Rank #134 of 337 tracked.

Health Savings Account

Savings

0.30% APY

Tiered Range: 0.01% - 0.30%

Min: $100 Branch Access

Rank #191 of 337 tracked.

Business Savings

Savings

0.05% APY

Min: $100 Branch Access

Rank #274 of 337 tracked.

Go Savings

Savings

0.05% APY

Min: $100 Branch Access

Rank #275 of 337 tracked.

Go Money Market

Money Market

2.22% APY

Tiered Range: 0.40% - 2.22%

Min: $1,000 Branch Access

Variable Rate IRA

IRA Savings

3.53% APY

Min: $100 Branch Access

Market Reality Check

This institution offers rates below the top 10 savings and money market accounts we track. Those institutions all pay at least 4.01% APY.

See Top Rates

National Avg: 0.38% (FDIC, 8/1/2026).
Banksparency tracks live rates daily.

Bank Overview

HQ LocationMarkesan, WI
Deposit InsuranceFDIC Insured(Cert: 10004)

Visit Official Website

Featured Offers

Axos ONE - High Yield Savings & Checking

Over 95,000 fee-free ATMs
Get paid up to 2 days early with Direct Deposit
One convenient app for spending & saving

FDIC Insured

Savings4.21%APY

Checking0.51%APY

Go to Axos Bank

FDIC or NCUA insured

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	0
Min. Balance in Savings Account	0
How to qualify for APY	OPTION ADirect Deposit $1,500+ AND Maintain $1,500+ avg daily checking balance. OR OPTION BDeposit $5,000+ total/mo AND Maintain $5,000+ avg daily checking balance.
Mobile Ratings	iOS:4.7 Android:4.5

The APY is available with the Axos ONE savings and checking bundle. The checking account also earns interest. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000.

EASY TRANSFERS, LOW MINIMUMS

SponsoredVerified Aug 19, 2026

FDIC Insured

Quontic High Yield Savings

Apply in 3 minutes or less
No monthly service fees
Transfer with Zelle, Apple Pay, G-Pay, and more

FDIC Insured

Savings3.20%APY

Go to Quontic Bank

FDIC or NCUA insured

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	10000
Min. Balance in Savings Account	0
Mobile Ratings	iOS:4.8 Android:4.9

Deposit Accounts: In-Depth View

Savings Accounts Offered by Ergo Bank

Feature	Health Savings Account	Business Savings	Go Savings
APY	0.30%Range: 0.01% - 0.30%Verified: 8/16/2026	0.05%Verified: 8/16/2026	0.05%Verified: 8/16/2026
APY Trend	N/A	N/A	N/A
Min. Deposit	$100	$100	$100
Min. Balance	N/A	N/A	N/A
Monthly Fee	N/A	N/A	N/A
Direct Deposit	None	None	None
Checking Bundle	No	No	No
In-Branch Access	Yes	Yes	Yes
Compounding	N/A	N/A	N/A
FDIC Insured	Yes	Yes	Yes
Eligibility	United States	United States	United States
Next Steps	-	-	-

Interactive Tool

Calculate Savings for Ergo Bank

All calculations are based on APY.

Choose savings account

Initial deposit

Recurring deposit

Frequency

Duration

Savings Breakdown

Interest Earned
+$850.70(5.7%)
Total Contributions
$13,000
Initial Deposit
$1,000

Projected Balance

$14,850.70

Effective APY

2.22%

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

Ergo Bank Deposit Rates Over Time

No historical data available.

Compare with Ergo Bank

Feature	Current View Ergo Bank	Empty Slot
Product		-
APY	0.01% - 0.30%Verified: 8/16/2026	-
APY Trend	N/A	-
Min. Deposit	$100	N/A
Monthly Fee	N/A	-
Direct Deposit	No	-
Checking Bundle	No	-
In-Branch Access	Yes	-
Eligibility	United States	-
Compounding	N/A	-
FDIC or NCUA Insured	Yes	-
Next Steps	-	-

CD Overview

4.03% Highest APY

Across 18 CD products with terms: 36 months, 9 months, 12 months, 18 months, 48 months, 30 months, 24 months, 3 months, 6 months, 1 months, 7 months, 60 months

CD Products Offered by Ergo Bank

Feature	31 Day CD 1 months	91 Day CD 3 months	182 Day CD 6 months	7 Month CD Special 7 months	9 Month IRA CD 9 months	9 Month CD Special 9 months	12 Month IRA CD 12 months	12 Month Liquidity CD 12 months	12 Month CD 12 months	18 Month IRA CD 18 months	18 Month CD 18 months	24 Month CD 24 months	30 Month CD 30 months	36 Month CD 36 months	36 Month IRA CD 36 months	48 Month IRA CD 48 months	48 Month CD 48 months	60 Month CD 60 months
APY	3.35%Verified: 8/16/2026	3.44%Verified: 8/16/2026	3.53%Verified: 8/16/2026	4.03%Verified: 8/16/2026	3.53%Verified: 8/16/2026	3.92%Verified: 8/16/2026	3.58%Verified: 8/16/2026	3.28%Verified: 8/16/2026	3.58%Verified: 8/16/2026	3.28%Verified: 8/16/2026	3.28%Verified: 8/16/2026	3.17%Verified: 8/16/2026	3.12%Verified: 8/16/2026	3.07%Verified: 8/16/2026	3.07%Verified: 8/16/2026	3.02%Verified: 8/16/2026	3.02%Verified: 8/16/2026	2.92%Verified: 8/16/2026
Term	1 months	3 months	6 months	7 months	9 months	9 months	12 months	12 months	12 months	18 months	18 months	24 months	30 months	36 months	36 months	48 months	48 months	60 months
Min. Deposit	$2,500	$2,500	$1,000	$500	$100	$500	$100	$100,000	$500	$100	$500	$500	$500	$500	$500	$500	$500	$500
Early Withdrawal	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FDIC Insured	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Notes	-	-	-	New money only. New money can include funds from a matured Ergo Bank CD, savings, money market, or checking account. The certificate does not renew at maturity.	-	New money only. New money can include funds from a matured Ergo Bank CD, savings, money market, or checking account. The certificate does not renew at maturity.	-	New money only, and the certificate does not renew at maturity. From the seventh day after the opening deposit you may make one withdrawal from the principal with no penalty. A second withdrawal incurs a penalty of 60 days of interest on the balance, and the account is then closed.	-	-	-	-	-	-	-	-	-	-

Ergo Bank CD Rates Over Time

Not enough rate history to show a chart. We have CD rates for this bank from one day only. The chart shows when we collect more data.

Money Market Accounts Offered by Ergo Bank

Feature	Go Money Market
APY	2.22%Range: 0.40% - 2.22%Verified: 8/16/2026
Min. Deposit	$1,000
Min. Balance	N/A
Monthly Fee	N/A
Direct Deposit	None
In-Branch Access	Yes
Compounding	N/A
FDIC Insured	Yes
Eligibility	United States

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