Advertising Disclosure
  1. Home
  2. Banks
  3. The Ephrata National Bank

The Ephrata National Bank


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
3.60%
Our Rating
4.3  / 5
American Express
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 7/2/2025
3.80%
Our Rating
4.2  / 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 7/2/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
4.44%
Our Rating
4.3  / 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
Bonus Amount
up to $300
Our Rating
4.2  / 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 27th 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 March of 2025, it had grown to 306 employees at 18 locations. The Ephrata National Bank's money market rates are 5X the national average, and it has a B+ health rating.

Reviews

No reviews have been left for this bank yet. Be the first to review.



Health
B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #7493
Year Established1881
Employees306
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.86%
Return on Equity - YTD11.31%
Annual Interest Income$25.6MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$2.22B$1.99B
LoansQ1 2025vs Q1 2024$1.43B$1.37B
DepositsQ1 2025vs Q1 2024$1.89B$1.72B
Equity CapitalQ1 2025vs Q1 2024$171.3MM$156.3MM
Loan Loss AllowanceQ1 2025vs Q1 2024$16.5MM$14.6MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$10.7MM$4.3MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
3.60%
Our Rating
4.3  / 5
American Express
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 7/2/2025
3.80%
Our Rating
4.2  / 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 7/2/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/2/2025
4.44%
Our Rating
4.3  / 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
Bonus Amount
up to $300
Our Rating
4.2  / 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
Skip to rates for:
Report an Issue

Always verify rates and promotions with the bank or credit union. We are not The Ephrata National Bank; we are a rate comparison website and cannot provide official rates or promotions.

* 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
3.55%$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
3.55%$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
3.55%$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

Availability



The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.