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The Ephrata National Bank


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/13/2025
3.80%
Our Rating
4.2  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/13/2025
4.00%
Our Rating
4.6  / 5
SoFi Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 4.00% 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 1/13/2025
4.50%
Our Rating
3.5  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/13/2025
4.46%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/13/2025
4.75%
Our Rating
4.2  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
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 28th largest bank in the state of Pennsylvania. It is also the 570th largest bank in the nation. It was established in 1881 and as of September of 2024, it had grown to 291 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 Q3 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #7493
Year Established1881
Employees291
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.85%
Return on Equity - YTD10.72%
Annual Interest Income$67.5MM
Assets and Liabilities
AssetsQ3 2024vs Q3 2023$2.09B$1.91B
LoansQ3 2024vs Q3 2023$1.4B$1.32B
DepositsQ3 2024vs Q3 2023$1.82B$1.66B
Equity CapitalQ3 2024vs Q3 2023$170.8MM$131.3MM
Loan Loss AllowanceQ3 2024vs Q3 2023$14.7MM$16.3MM
Unbacked Noncurrent LoansQ3 2024vs Q3 2023$9.9MM$3.5MM
Real Estate OwnedQ3 2024vs Q3 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/13/2025
3.80%
Our Rating
4.2  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/13/2025
4.00%
Our Rating
4.6  / 5
SoFi Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 4.00% 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 1/13/2025
4.50%
Our Rating
3.5  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/13/2025
4.46%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/13/2025
4.75%
Our Rating
4.2  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
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
3.75%$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
4.00%$5k-9 Month CD
3.75%$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
4.00%$5k-9 Month IRA
3.75%$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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