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The Ephrata National Bank


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/22/2025
4.54%
Our Rating
4.2  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/22/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/22/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/22/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.epnb.com
717-721-5308
31 East Main Street
Ephrata, PA 17522

The Ephrata National Bank is headquartered in EPHRATA and is the 26th largest bank in the state of Pennsylvania. It is also the 541st largest bank in the nation. It was established in 1881 and as of December of 2024, it had grown to 303 employees at 18 locations. The Ephrata National Bank's money market rates are 5X the national average, and it has a B+ health rating.

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Health
B+

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #7493
Year Established1881
Employees303
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.82%
Return on Equity - YTD10.46%
Annual Interest Income$92.8MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$2.22B$2B
LoansQ4 2024vs Q4 2023$1.42B$1.35B
DepositsQ4 2024vs Q4 2023$1.89B$1.73B
Equity CapitalQ4 2024vs Q4 2023$166.7MM$153.4MM
Loan Loss AllowanceQ4 2024vs Q4 2023$16.1MM$15.2MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$11.9MM$3.3MM
Real Estate OwnedQ4 2024vs Q4 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/22/2025
4.54%
Our Rating
4.2  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/22/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/22/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/22/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

The Ephrata National Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$0-Statement Savings Account
0.10%$1-EZSave Club
0.10%$0-Super Saver
0.10%$0-Business Statement Savings

The Ephrata National Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.65%$0-Community Impact Money Market
2.00%*$1m*-Personal Money Market Account
OTHER TIERS: 0.15% → $0 - $10k | 0.25% → $10k - $25k | 0.35% → $25k - $50k | 0.90% → $50k - $250k | 1.10% → $250k - $1m
2.00%*$1m*-Business Money Market Account
OTHER TIERS: 0.20% → $0 - $10k | 0.30% → $10k - $25k | 0.40% → $25k - $50k | 0.95% → $50k - $250k | 1.10% → $250k - $1m

The Ephrata National Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$250k*-Interest Checking Account
OTHER TIERS: 0.10% → $0 - $250k
0.20%*$250k*-Business Interest Checking Account
OTHER TIERS: 0.10% → $0 - $250k

The Ephrata National Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.90%$5k-9 Month No Penalty CD
3.65%$5k-13 Month CD
1.31%*$100k*-12 - 17 Month CD
OTHER TIERS: 1.21% → $500 - $100k
1.31%*$100k*-18 - 23 Month CD
OTHER TIERS: 1.26% → $500 - $100k
1.31%*$100k*-24 - 29 Month CD
OTHER TIERS: 1.21% → $500 - $100k
1.31%*$100k*-30 - 35 Month CD
OTHER TIERS: 1.21% → $500 - $100k
1.31%*$100k*-36 - 47 Month CD
OTHER TIERS: 1.21% → $500 - $100k
1.31%*$100k*-48 - 59 Month CD
OTHER TIERS: 1.21% → $500 - $100k
1.31%*$100k*-60 Month CD
OTHER TIERS: 1.21% → $500 - $100k
1.31%*$100k*-7 - 11 Month CD
OTHER TIERS: 1.21% → $500 - $100k
0.90%*$100k*-4 - 6 Month CD
OTHER TIERS: 0.80% → $500 - $100k
0.55%*$100k*-3 Month CD
OTHER TIERS: 0.45% → $500 - $100k
0.10%*$100k*-15-90 Day Short Term CD
OTHER TIERS: 0.05% → $2.5k - $100k

The Ephrata National Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.90%$5k-9 Month No Penalty IRA
3.65%$5k-13 Month IRA
1.31%*$100k*-12 - 17 Month IRA
OTHER TIERS: 1.21% → $500 - $100k
1.31%*$100k*-18 - 23 Month IRA
OTHER TIERS: 1.26% → $500 - $100k
1.31%*$100k*-24 - 29 Month IRA
OTHER TIERS: 1.21% → $500 - $100k
1.31%*$100k*-30 - 35 Month IRA
OTHER TIERS: 1.21% → $500 - $100k
1.31%*$100k*-36 - 47 Month IRA
OTHER TIERS: 1.21% → $500 - $100k
1.31%*$100k*-48 - 59 Months IRA
OTHER TIERS: 1.21% → $500 - $100k
1.31%*$100k*-60 Month IRA
OTHER TIERS: 1.21% → $500 - $100k
1.31%*$100k*-7 - 11 Month IRA
OTHER TIERS: 1.21% → $500 - $100k
0.90%*$100k*-4 - 6 Month IRA
OTHER TIERS: 0.80% → $500 - $100k
0.05%$10-18 Month Flex IRA
Locations

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