Bank · FDIC insured
Ergo Bank CD Rates
Ergo Bank’s best CD rate is 4.03% APY on a 7-month CD. Terms run from 7 months to 5 years. Rates checked October 16, 2026.
How Ergo Bank’s CD rates compare
Compared with banks and credit unions near Sparta, WI, where Ergo Bank has the most branches. $10,000, best rate first.
This bank’s best
Ergo Bank
4.03%APY
- Term
- 7 months
- Minimum
- $500
- Earns on $10,000
- $233
Certificate of Deposit Specials
Top rate
River Bank
4.30%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $430
2nd-highest rate
Bank of Cashton
4.30%APY
- Term
- 60 months
- Minimum
- $5,000
- Earns on $10,000
- $2,343
Ergo Bank CD score
85
CD score
Higher than 68% of U.S. banks and credit unions
- 3–8 months3–8 mo4.03%
- 9–15 months9–15 mo3.92%
- 16–30 months16–30 mo3.28%
- 31–60 months31–60 mo3.07%
- QualifiedQualified4.03%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Ergo Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit Specials
Up to 4.03%APY · 3 terms
Requires new money, which can consist of money from matured Ergo Bank CDs, savings, money market, and checking accounts. Non-renewable at maturity. Early withdrawal penalties apply.
| Term | APY · $500 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 7 months7 Months Special. Requires new money. Non-renewable at maturity. Early withdrawal penalties apply | 4.03% | — | 4.03% | $233 |
| 9 months9 Months Special. Requires new money. Non-renewable at maturity. Early withdrawal penalties apply | 3.92% | — | 3.92% | $293 |
| 12 months12 Months Liquidity CD. Requires new money. Non-renewable at maturity. On the 7th day after opening deposit, one penalty-free withdrawal from principal is permitted; a subsequent withdrawal incurs a penalty of 60 days of interest and the account is closed | — | 3.28% | —3.28% from $100k | — |
Sources (1)
- ergobank.com/resources/rates · captured Oct 5, 2026
Certificate of Deposit
Up to 3.58%APY · 8 terms
Requires new money. Early withdrawal penalty applies. Withdraw or reinvest funds at full maturity.
| Term | APY · $500 and up | APY · $1,000 and up | APY · $2,500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| UnknownTerm: 182 Days. Early withdrawal penalty applies. Requires new money | — | 3.53% | — | 3.53% | $0 |
| UnknownTerm: 31 Days. Early withdrawal penalty applies. Requires new money | — | — | 3.35% | 3.35% | $0 |
| UnknownTerm: 91 Days. Early withdrawal penalty applies. Requires new money | — | — | 3.44% | 3.44% | $0 |
| 12 monthsEarly withdrawal penalty applies. Requires new money | 3.58% | — | — | 3.58% | $358 |
| 18 monthsEarly withdrawal penalty applies. Requires new money | 3.28% | — | — | 3.28% | $496 |
| 24 monthsEarly withdrawal penalty applies. Requires new money | 3.17% | — | — | 3.17% | $644 |
| 30 monthsEarly withdrawal penalty applies. Requires new money | 3.12% | — | — | 3.12% | $798 |
| 36 monthsEarly withdrawal penalty applies. Requires new money | 3.07% | — | — | 3.07% | $950 |
| 48 monthsEarly withdrawal penalty applies. Requires new money | 3.02% | — | — | 3.02% | $1,264 |
| 60 monthsEarly withdrawal penalty applies. Requires new money | 2.92% | — | — | 2.92% | $1,548 |
Special-purpose accounts
Fixed Rate IRA
Up to 3.58%APY · 5 terms
Early withdrawal penalty may be imposed. Any withdrawal that reduces balance below minimum required to open may be treated as withdrawal of entire balance.
| Term | APY · $100 and up | APY · $500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 9 months9 Month Fixed Rate IRA. Early withdrawal penalties apply | 3.53% | — | 3.53% | $264 |
| 12 months12 Month Fixed Rate IRA. Early withdrawal penalties apply | 3.58% | — | 3.58% | $358 |
| 18 months18 Month Fixed Rate IRA. Early withdrawal penalties apply | 3.28% | — | 3.28% | $496 |
| 36 months36 Month Fixed Rate IRA. Early withdrawal penalties apply | — | 3.07% | 3.07% | $950 |
| 48 months48 Month Fixed Rate IRA. Early withdrawal penalties apply | — | 3.02% | 3.02% | $1,264 |
Sources (1)
- ergobank.com/resources/rates · captured Oct 5, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.