Bank · FDIC insured
Ergo Bank Savings Rates
Ergo Bank’s best savings rate is 1.00% APY on $10,000, with its Go Money Market Account. Rates checked October 16, 2026.
How Ergo Bank’s savings 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
1.25%APY
- Requires
- Monthly account activity
- Minimum
- $100
- Earns on $10,000 a year
- $125
Kasasa Saver
Top rate
Park Bank
2.61%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $261
2nd-highest rate
1st Community Credit Union
1.31%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $131
Ergo Bank savings score
86
Savings score
Higher than 72% of U.S. banks and credit unions
- $1,000 balance$1,0000.40%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0001.31%
- QualifiedQualified1.25%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Go Money Market Account
1.00%APY
Rates may change at any time at our discretion; fees may reduce earnings. Minimum opening deposit $1,000.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5,000 | 0.40% | — |
| $5,000 – $25,000 | 1.00% | $100 |
| $25,000 – $50,000 | 1.11% | — |
| $50,000 – $100,000 | 1.31% | — |
| $100,000 – $250,000 | 1.76% | — |
| $250,000 – $500,000 | 2.02% | — |
| Over $500,000 | 2.22% | — |
Sources (2)
All captured Oct 5, 2026
Go Savings Account
0.05%APY
Compounded daily, credited quarterly. Statement period is monthly. Fees may reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDaily balance method. Interest rate and APY may change at any time.Any balance | 0.05% | $5 | Daily balance method. Interest rate and APY may change at any time. |
Sources (2)
All captured Oct 5, 2026
Kasasa Saver
0.00%APY on $10,000
Must be linked to a Kasasa Cash Back or Kasasa Cash checking account. Compounded monthly and credited monthly on the last day of current Statement Cycle. Limit 1 account per SSN. No commercial use.
| Part of the balance | Rate on that part |
|---|---|
| Over $50,000 | 0.30% |
On $10,000 the tiers blend to about 0.00% APY, earning $0 a year.
Sources (2)
- ergobank.com/personal/kasasa-cash-back-with-kasasa-saver
- ergobank.com/personal/kasasa-cash-with-kasasa-saver
All captured Oct 5, 2026
Special-purpose accounts
Variable Rate IRA
3.53%APY
Variable rate IRA savings account. A penalty may be imposed for early withdrawal. Any withdrawal reducing balance below minimum required to open may be treated as withdrawal of entire balance. Rates may change at any time. Fees may reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable rate. Rates may change at any time. Early withdrawal penalties apply.Any balance | 3.53% | $353 | Variable rate. Rates may change at any time. Early withdrawal penalties apply. |
Health Savings Account
0.25%APY
Must be enrolled in a qualifying High-Deductible Health Plan (HDHP), not covered by non-HDHP, not enrolled in Medicare, not claimed as dependent. Compounded monthly, credited monthly. Statement period monthly. Fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500Tiering Method A: Paid on entire balance if daily balance is $500.00 or less. Interest rate and APY may change. | 0.01% | — | Tiering Method A: Paid on entire balance if daily balance is $500.00 or less. Interest rate and APY may change. |
| $500 – $5,000Tiering Method A: Paid on entire balance if daily balance is more than $500.00 but less than $5,000.01. Interest rate and APY may change. | 0.20% | — | Tiering Method A: Paid on entire balance if daily balance is more than $500.00 but less than $5,000.01. Interest rate and APY may change. |
| $5,000 – $15,000Tiering Method A: Paid on entire balance if daily balance is more than $5,000.00 but less than $15,000.01. Interest rate and APY may change. | 0.25% | $25 | Tiering Method A: Paid on entire balance if daily balance is more than $5,000.00 but less than $15,000.01. Interest rate and APY may change. |
| Over $15,000Tiering Method A: Paid on entire balance if daily balance is $15,000.01 or more. Interest rate and APY may change. | 0.30% | — | Tiering Method A: Paid on entire balance if daily balance is $15,000.01 or more. Interest rate and APY may change. |
Sources (2)
All 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.