Rates
Certificate of Deposit Rates
CD & IRA Rates
| Available Terms | Requirements & Ranges | Interest Rate | APY* | |||
|---|---|---|---|---|---|---|
| Short Term CD (15-90 Days) | $2,500 min. to open | 0.05% | 0.05% | |||
| Short Term CD (15-90 Days) | $100,000 and up | 0.05% | 0.05% | |||
| 3 month CD | $500 min. to open | 0.40% | 0.40% | |||
| 3 month CD | $100,000 and up | 0.50% | 0.50% | |||
| 4-6 Month CD or IRA | $500 min. to open | 0.75% | 0.75% | |||
| 4-6 Month CD or IRA | $100,000 and up | 0.85% | `0.85% | |||
| 7-11 Month CD or IRA | $500 min. to open | 1.15% | 1.15% | |||
| 7-11 Month CD or IRA | $100,000 and up | 1.25% | 1.26% | |||
| 9 Month No Penalty CD or IRA | $5,000 min. to open | 3.15% | 3.19% | |||
| 12-17 Month CD or IRA | $500 min. to open | 1.15% | 1.15% | |||
| 12-17 Month CD or IRA | $100,000 and up | 1.25% | 1.26% | |||
| 13 Month CD or IRA | $5,000 min. to open | 2.75% | 2.78% | |||
| 18-23 Month CD or IRA | $500 min. to open | 1.15% | 1.15% | |||
| 18-23 Month CD or IRA | $100,000 and up | 1.25% | 1.26% | |||
| 24-29 Month CD or IRA | $500 min. to open | 1.15% | 1.15% | |||
| 24-29 Month CD or IRA | $100,000 and up | 1.25% | 1.26% | |||
| 30-35 Month CD or IRA | $500 min. to open | 1.15% | 1.15% | |||
| 30-35 Month CD or IRA | $100,000 and up | 1.25% | 1.26% | |||
| 36-47 Month CD or IRA | $500 min. to open | 1.15% | 1.15% | |||
| 36-47 Month CD or IRA | $100,000 and up | 1.25% | 1.26% | |||
| 48-59 Month CD or IRA | $500 min. to open | 1.15% | 1.15% | |||
| 48-59 Month CD or IRA | $100,000 and up | 1.25% | 1.26% | |||
| 60 Month CD or IRA | $500 min. to open | 1.15% | 1.15% | |||
| 1.15% | $100,000 and up | 1.25% | 1.26% | |||
| Flex IRA CD** (18 month term) | $10 min. to open | 0.05% | 0.05% |
Short Term CD (15-90 Days)
| Requirements & Ranges | $2,500 min. to open |
|---|---|
| Interest Rate | 0.05% |
| APY* | 0.05% |
Short Term CD (15-90 Days)
| Requirements & Ranges | $100,000 and up |
|---|---|
| Interest Rate | 0.05% |
| APY* | 0.05% |
3 month CD
| Requirements & Ranges | $500 min. to open |
|---|---|
| Interest Rate | 0.40% |
| APY* | 0.40% |
3 month CD
| Requirements & Ranges | $100,000 and up |
|---|---|
| Interest Rate | 0.50% |
| APY* | 0.50% |
4-6 Month CD or IRA
| Requirements & Ranges | $500 min. to open |
|---|---|
| Interest Rate | 0.75% |
| APY* | 0.75% |
4-6 Month CD or IRA
| Requirements & Ranges | $100,000 and up |
|---|---|
| Interest Rate | 0.85% |
| APY* | `0.85% |
7-11 Month CD or IRA
| Requirements & Ranges | $500 min. to open |
|---|---|
| Interest Rate | 1.15% |
| APY* | 1.15% |
7-11 Month CD or IRA
| Requirements & Ranges | $100,000 and up |
|---|---|
| Interest Rate | 1.25% |
| APY* | 1.26% |
9 Month No Penalty CD or IRA
| Requirements & Ranges | $5,000 min. to open |
|---|---|
| Interest Rate | 3.15% |
| APY* | 3.19% |
12-17 Month CD or IRA
| Requirements & Ranges | $500 min. to open |
|---|---|
| Interest Rate | 1.15% |
| APY* | 1.15% |
12-17 Month CD or IRA
| Requirements & Ranges | $100,000 and up |
|---|---|
| Interest Rate | 1.25% |
| APY* | 1.26% |
13 Month CD or IRA
| Requirements & Ranges | $5,000 min. to open |
|---|---|
| Interest Rate | 2.75% |
| APY* | 2.78% |
18-23 Month CD or IRA
| Requirements & Ranges | $500 min. to open |
|---|---|
| Interest Rate | 1.15% |
| APY* | 1.15% |
18-23 Month CD or IRA
| Requirements & Ranges | $100,000 and up |
|---|---|
| Interest Rate | 1.25% |
| APY* | 1.26% |
24-29 Month CD or IRA
| Requirements & Ranges | $500 min. to open |
|---|---|
| Interest Rate | 1.15% |
| APY* | 1.15% |
24-29 Month CD or IRA
| Requirements & Ranges | $100,000 and up |
|---|---|
| Interest Rate | 1.25% |
| APY* | 1.26% |
30-35 Month CD or IRA
| Requirements & Ranges | $500 min. to open |
|---|---|
| Interest Rate | 1.15% |
| APY* | 1.15% |
30-35 Month CD or IRA
| Requirements & Ranges | $100,000 and up |
|---|---|
| Interest Rate | 1.25% |
| APY* | 1.26% |
36-47 Month CD or IRA
| Requirements & Ranges | $500 min. to open |
|---|---|
| Interest Rate | 1.15% |
| APY* | 1.15% |
36-47 Month CD or IRA
| Requirements & Ranges | $100,000 and up |
|---|---|
| Interest Rate | 1.25% |
| APY* | 1.26% |
48-59 Month CD or IRA
| Requirements & Ranges | $500 min. to open |
|---|---|
| Interest Rate | 1.15% |
| APY* | 1.15% |
48-59 Month CD or IRA
| Requirements & Ranges | $100,000 and up |
|---|---|
| Interest Rate | 1.25% |
| APY* | 1.26% |
60 Month CD or IRA
| Requirements & Ranges | $500 min. to open |
|---|---|
| Interest Rate | 1.15% |
| APY* | 1.15% |
1.15%
| Requirements & Ranges | $100,000 and up |
|---|---|
| Interest Rate | 1.25% |
| APY* | 1.26% |
Flex IRA CD** (18 month term)
| Requirements & Ranges | $10 min. to open |
|---|---|
| Interest Rate | 0.05% |
| APY* | 0.05% |
*Annual Percentage Yield. APY assumes interest remains on deposit until maturity. Fees may reduce earnings. Rates are effective as of December 15, 2025 and are subject to change without notice. Penalties assessed on early withdrawals.
**Unlimited deposits are permitted during the CD term. One penalty-free withdrawal is permitted every 30 days (certain restrictions apply). Bank penalties will be assessed if the account transfer or withdrawal occurs within seven (7) business days of a prior account transfer or withdrawal. Applicable IRS penalties will still apply. When the account reaches $500, a penalty-free transfer to a fixed-rate IRA CD is permitted.
Super Saver Rates
Super Saver
| Minimum Amount to Open | Minimum Amount to Earn Interest | Interest Rate | APY* | |||
|---|---|---|---|---|---|---|
| $10 | $0 | 0.05% | 0.05% |
$10
| Minimum Amount to Earn Interest | $0 |
|---|---|
| Interest Rate | 0.05% |
| APY* | 0.05% |
*Annual Percentage Yield. Rates effective September 29, 2025 and are subject to change without notice. Fees may reduce earnings.
Statement Savings Rates
Statement Savings Rates
| Minimum Amount to Open | Minimum Amount to Avoid $5 Monthly Maintenance Fee | Minimum Amount to Earn Interest | Interest Rate | APY* | ||||
|---|---|---|---|---|---|---|---|---|
| $100 | $100 | $0 | 0.05% | 0.05% |
$100
| Minimum Amount to Avoid $5 Monthly Maintenance Fee | $100 |
|---|---|
| Minimum Amount to Earn Interest | $0 |
| Interest Rate | 0.05% |
| APY* | 0.05% |
*Annual Percentage Yield. Rates effective September 29, 2025 and are subject to change without notice. Fees may reduce earnings.
Interest Checking Rates
Interest Checking Rates
| Balance Required to Obtain APY | Interest Rate | APY* | ||
|---|---|---|---|---|
| $0 to $49,999 | 0.05% | 0.05% | ||
| $50,000 to $99,999 | 0.05% | 0.05% | ||
| $100,000 to $249,999 | 0.05% | 0.05% | ||
| $250,000 to $499,999 | 0.15% | 0.15% | ||
| $500,000 and up | 0.15% | 0.15% |
$0 to $49,999
| Interest Rate | 0.05% |
|---|---|
| APY* | 0.05% |
$50,000 to $99,999
| Interest Rate | 0.05% |
|---|---|
| APY* | 0.05% |
$100,000 to $249,999
| Interest Rate | 0.05% |
|---|---|
| APY* | 0.05% |
$250,000 to $499,999
| Interest Rate | 0.15% |
|---|---|
| APY* | 0.15% |
$500,000 and up
| Interest Rate | 0.15% |
|---|---|
| APY* | 0.15% |
*Annual Percentage Yield. Rates effective September 29, 2025 and are subject to change without notice. Fees may reduce earnings. $1,000 minimum deposit required to open. $1,000 minimum balance must be maintained to avoid the monthly maintenance fee.
Personal Money Market Rates
Personal Money Market Rates
| Balance Required to Obtain APY* | Interest Rate | APY | ||
|---|---|---|---|---|
| $0 to $9,999 | 0.10% | 0.10% | ||
| $10,000 to $24,999 | 0.20% | 0.20% | ||
| $25,000 to $49,999 | 0.30% | 0.30% | ||
| $50,000 to $99,999 | 0.85% | 0.85% | ||
| $100,000 to $249,999 | 0.85% | 0.85% | ||
| $250,000 to $499,999 | 1.04% | 1.04% | ||
| $500,000 to $999,999 | 1.04% | 1.04% | ||
| $1,000,000 and up | 1.93% | 1.95% |
$0 to $9,999
| Interest Rate | 0.10% |
|---|---|
| APY | 0.10% |
$10,000 to $24,999
| Interest Rate | 0.20% |
|---|---|
| APY | 0.20% |
$25,000 to $49,999
| Interest Rate | 0.30% |
|---|---|
| APY | 0.30% |
$50,000 to $99,999
| Interest Rate | 0.85% |
|---|---|
| APY | 0.85% |
$100,000 to $249,999
| Interest Rate | 0.85% |
|---|---|
| APY | 0.85% |
$250,000 to $499,999
| Interest Rate | 1.04% |
|---|---|
| APY | 1.04% |
$500,000 to $999,999
| Interest Rate | 1.04% |
|---|---|
| APY | 1.04% |
$1,000,000 and up
| Interest Rate | 1.93% |
|---|---|
| APY | 1.95% |
*September 29, 2025 and are subject to change without notice. Fees may reduce earnings. $2,500 minimum deposit required to open. $2,500 minimum balance required to avoid the monthly maintenance fee.
ENB HomeLine Rates
ENB HomeLine Rates
| Loan Type | Term | APR1 | Monthly Payment/$10,000 | |||
|---|---|---|---|---|---|---|
| HomeLine Line of Credit Introductory Rate2 3 4 5 6 7 | 25 year draw period | 4.99%8 | $92.38 | |||
| HomeLine Line of Credit Advertised Rate2 3 4 5 6 7 | 25 year draw period | 6.75% | $107.33 |
HomeLine Line of Credit Introductory Rate2 3 4 5 6 7
| Term | 25 year draw period |
|---|---|
| APR1 | 4.99%8 |
| Monthly Payment/$10,000 | $92.38 |
HomeLine Line of Credit Advertised Rate2 3 4 5 6 7
| Term | 25 year draw period |
|---|---|
| APR1 | 6.75% |
| Monthly Payment/$10,000 | $107.33 |
1. Annual Percentage Rate. Effective December 11, 2025 rates are subject to change and special offers may be discontinued without notice. Subject to credit approval. Standard underwriting criteria apply.
2. Automatic payment deduction required from an Ephrata National Bank deposit account. Published rates include the discount. Rates could be higher if deposit account activity does not support automatic payment.
3. This is a variable rate home equity line of credit not to exceed 18% APR. The variable rate is based on Wall Street Journal Prime (WSJP) Rate plus 0.75%, currently 7.50% APR as of 12/11/2025. 25 year draw period. Monthly payment equals 0.50% principal balance plus interest on billing date ($50 minimum). Minimum payment may result in balloon payment at maturity. The advertised rate of 6.75% APR is our standard rate with the following discounts applied: 1) automatic payment deduction from an ENB deposit account, 2) a credit score of 750 or greater, 3) a minimum line amount of $50,000. 4) Loan amounts will not exceed 80% Loan to Value (LTV) ratio.
4. Monthly payments will vary based on outstanding balance and term. Any projected payments do not include amounts for taxes and insurance premiums, if applicable; the actual payment obligation will be greater.
5. Loan amounts will not exceed 90% Loan to Value (LTV) ratio. Offer good on consumer purpose loans or lines secured with a primary residence. Homeowner insurance required. Flood insurance may be required.
6. Fees could range from $348.44 to $896.19 and include a credit report, appraisal, lien search, flood search, recording and satisfaction fees. No Fee Options are available.
7. Other rates are possible, subject to loan amount and credit score. These factors may affect final rates offering. Credit score may adjust maximum LTV ratio requirements.
8. The 4.99% 6-month introductory rate is for the first six monthly billing cycles after closing and applies to new lines of credit opened with $25,000 or more of new money and requires an automatic deduction of payment from an ENB deposit account. Offer good on consumer purpose Home Equity Line of Credit (HELOC) secured with a primary residence. Ephrata National Bank, Member FDIC. Equal Housing Lender.
Secured Loan Rates
Secured Loan Rates
| Amount3 4 5 | Term | APR1 | Monthly Payment/$10,0002 | Max. LTV | ||||
|---|---|---|---|---|---|---|---|---|
| $500 – $24,999 | 60 Mo. | 4.50%6 | $186.44 | 100% | ||||
| $25,000 – $49,999 | 60 Mo. | 4.38%7 | $185.87 | 100% | ||||
| $50,000 and greater | 60 Mo. | 4.25%8 | $185.30 | 100% |
$500 – $24,999
| Term | 60 Mo. |
|---|---|
| APR1 | 4.50%6 |
| Monthly Payment/$10,0002 | $186.44 |
| Max. LTV | 100% |
$25,000 – $49,999
| Term | 60 Mo. |
|---|---|
| APR1 | 4.38%7 |
| Monthly Payment/$10,0002 | $185.87 |
| Max. LTV | 100% |
$50,000 and greater
| Term | 60 Mo. |
|---|---|
| APR1 | 4.25%8 |
| Monthly Payment/$10,0002 | $185.30 |
| Max. LTV | 100% |
1APR = Annual Percentage Rate. Effective September 8, 2020 rates are subject to change and special offers may be discontinued without notice. Subject to credit approval. Standard underwriting criteria apply.
2Monthly payments will vary based on amount borrowed and term. Any projected payments do not include amounts for taxes and insurance premiums, if applicable; the actual payment obligation will be greater.
3Automatic payment deduction required from an Ephrata National Bank deposit account to receive published discounted rate. Rates could be higher if deposit account activity does not support automatic payment.
4Other rates are possible, subject to credit score, loan amount, payment terms, and debt to income ratio.
5APR is equal to the greater of the following: the listed rate above or 1% above the rate being paid on the CD.
6The advertised rate is our base rate of 5.00% with the following discounts: a) a credit score of 700 or greater, b) automatic payment deduction from an ENB deposit account, and c) a maximum debt to income ratio of 45%.
7The advertised rate is our base rate of 4.875% with the following discounts: a) a credit score of 700 or greater, b) automatic payment deduction from an ENB deposit account, and c) a maximum debt to income ratio of 45%.
8The advertised rate is our base rate of 4.75% with the following discounts: a) a credit score of 700 or greater, b) automatic payment deduction from an ENB deposit account, and c) a maximum debt to income ratio of 45%. Ephrata National Bank, Member FDIC. Equal Housing Lender.
Unsecured Fixed Rate Loan Rates
Unsecured Fixed Rate Loan Rates
| Amount3 4 | Term | APR1 | Monthly Payment/$10,0002 | |||
|---|---|---|---|---|---|---|
| $500 – $9,999 | 36 Mo. | 10.98%5 | $327.29 | |||
| $10,000 – $20,000 | 36 Mo. | 10.74%6 | $326.16 |
$500 – $9,999
| Term | 36 Mo. |
|---|---|
| APR1 | 10.98%5 |
| Monthly Payment/$10,0002 | $327.29 |
$10,000 – $20,000
| Term | 36 Mo. |
|---|---|
| APR1 | 10.74%6 |
| Monthly Payment/$10,0002 | $326.16 |
Liquid net worth between $500,000 – $999,999
| Amount3 4 | Term | APR1 | Monthly Payment/$10,0002 | |||
|---|---|---|---|---|---|---|
| $500 – $9,999 | 36 Mo. | 10.98%5 | $327.29 | |||
| $10,000 – $20,000 | 36 Mo. | 10.74%6 | $326.16 |
$500 – $9,999
| Term | 36 Mo. |
|---|---|
| APR1 | 10.98%5 |
| Monthly Payment/$10,0002 | $327.29 |
$10,000 – $20,000
| Term | 36 Mo. |
|---|---|
| APR1 | 10.74%6 |
| Monthly Payment/$10,0002 | $326.16 |
Liquid net worth greater than $1,000,000
| Amount3 4 | Term | APR1 | Monthly Payment/$10,0002 | |||
|---|---|---|---|---|---|---|
| $20,000 -$49,999 | 36 Mo. | 8.49%9 | $315.64 | |||
| $50,000 – $100,000 | 36 Mo. | 7.98%10 | $313.28 |
$20,000 -$49,999
| Term | 36 Mo. |
|---|---|
| APR1 | 8.49%9 |
| Monthly Payment/$10,0002 | $315.64 |
$50,000 – $100,000
| Term | 36 Mo. |
|---|---|
| APR1 | 7.98%10 |
| Monthly Payment/$10,0002 | $313.28 |
1APR = Annual Percentage Rate. Effective November 7, 2022 rates are subject to change and special offers may be discontinued without notice. Subject to credit approval. Standard underwriting criteria apply.
2Monthly payments will vary based on amount borrowed and term. Any projected payments do not include amounts for taxes and insurance premiums, if applicable; the actual payment obligation will be greater.
3Automatic payment deduction required from an Ephrata National Bank deposit account to receive published discounted rate. Rates could be higher if deposit account activity does not support automatic payment.
4Other rates are possible, subject to credit score, loan amount, payment terms, and debt to income ratio.
5The advertised rate is our base rate of 11.49% with the following discounts: a) a credit score of 700 or greater, b) automatic payment deduction from an ENB deposit account, and c) a maximum debt to income ratio of 45%.
6The advertised rate is our base rate of 11.25% with the following discounts: a) a credit score of 700 or greater, b) automatic payment deduction from an ENB deposit account, c) a maximum debt to income ratio of 45%.
7The advertised rate is our base rate of 10.00% with the following discounts: a) a credit score of 700 or greater, b) automatic payment deduction from an ENB deposit account, and c) a maximum debt to income ratio of 45%.
8The advertised rate is our base rate of 9.00% with the following discounts: a) a credit score of 700 or greater, b) automatic payment deduction from an ENB deposit account, and c) a maximum debt to income ratio of 45%.
9The advertised rate is our base rate of 9.00% with the following discounts: a) a credit score of 700 or greater, b) automatic payment deduction from an ENB deposit account, and c) a maximum debt to income ratio of 45%.
10The advertised rate is our base rate of 8.49% with the following discounts: a) a credit score of 700 or greater, b) automatic payment deduction from an ENB deposit account, and c) a maximum debt to income ratio of 45%. Ephrata National Bank, Member FDIC. Equal Housing Lender.
Vehicle & Car Loan Rates
Vehicle & Car Loan Rates
| Vehicle Loan3 4 5 | Term | APR1 | Monthly Payment/$10,0002 | Max. LTV | Min. Down | |||||
|---|---|---|---|---|---|---|---|---|---|---|
| New Vehicle | 72 Mo. | 5.99%6 | $165.67 | 100% | 0% | |||||
| 1 - 2 Year Old Models | 72 Mo. | 6.75%7 | $169.28 | 100% | 0% | |||||
| 3+ Year Old Models | 48 Mo. | 8.25%8 | $245.28 | 90% | 10% | |||||
| Used Vehicle |
New Vehicle
| Term | 72 Mo. |
|---|---|
| APR1 | 5.99%6 |
| Monthly Payment/$10,0002 | $165.67 |
| Max. LTV | 100% |
| Min. Down | 0% |
1 - 2 Year Old Models
| Term | 72 Mo. |
|---|---|
| APR1 | 6.75%7 |
| Monthly Payment/$10,0002 | $169.28 |
| Max. LTV | 100% |
| Min. Down | 0% |
3+ Year Old Models
| Term | 48 Mo. |
|---|---|
| APR1 | 8.25%8 |
| Monthly Payment/$10,0002 | $245.28 |
| Max. LTV | 90% |
| Min. Down | 10% |
1Annual Percentage Rate. Effective November 14, 2022 and subject to change without notice.
2Monthly payments will vary based on amount borrowed and term. Any projected payments do not include amounts for taxes and insurance premiums, if applicable; actual payment obligation will be greater.
3Automatic payment deduction required from an Ephrata National Bank deposit account to receive published rate. Rates could be higher if deposit account activity does not support automatic payment.
4Other rates are possible, subject to credit score, loan amount, payment terms, and debt to income ratio.
5This is a fixed rate, closed-end loan secured by your vehicle. ENB uses the lesser of the purchase price (less taxes, tags and other charges) or the value as stated on the NADA guide in calculating the LTV. State encumbrance fees will apply.
6The advertised rate is our base rate of 6.49% with the following discounts: a) a credit score of 700 or greater, b) automatic payment deduction from an ENB deposit account and c) a maximum loan amount of $100,000.
7The advertised rate is our base rate of 7.25% with the following discounts: a credit score of 700 or greater, b) automatic payment deduction from an ENB deposit account and c) a maximum loan amount of $100,000.
8The advertised rate is our base rate of 8.75% with the following discounts: a) a credit score of 700 or greater, b) automatic payment deduction from an ENB deposit account and c) a maximum loan amount of $50,000.
Personal Line of Credit Rates
Unsecured Personal Line of Credit Rates
| Amount3 | APR1 | Monthly Payment/$5,0002 | ||
|---|---|---|---|---|
| $250 - $4,999 | 13.75%4 | $158.39 | ||
| $5,000 - $20,000 | 13.25%5 | $156.27 |
$250 - $4,999
| APR1 | 13.75%4 |
|---|---|
| Monthly Payment/$5,0002 | $158.39 |
$5,000 - $20,000
| APR1 | 13.25%5 |
|---|---|
| Monthly Payment/$5,0002 | $156.27 |
Liquid net worth between $500,000 – $999,999
| Amount3 | APR1 | Monthly Payment/$5,0002 | ||
|---|---|---|---|---|
| $500 – $19,999 | 10.75%6 | $145.65 | ||
| $20,000 – 50,000 | 10.25%7 | $143.53 |
$500 – $19,999
| APR1 | 10.75%6 |
|---|---|
| Monthly Payment/$5,0002 | $145.65 |
$20,000 – 50,000
| APR1 | 10.25%7 |
|---|---|
| Monthly Payment/$5,0002 | $143.53 |
Liquid net worth greater than $1,000,000
| Amount3 | APR1 | Monthly Payment/$5,0002 | ||
|---|---|---|---|---|
| $20,000 – $49,999 | 10.25%8 | $143.53 | ||
| $50,000 – $100,000 | 8.25%9 | $135.03 |
$20,000 – $49,999
| APR1 | 10.25%8 |
|---|---|
| Monthly Payment/$5,0002 | $143.53 |
$50,000 – $100,000
| APR1 | 8.25%9 |
|---|---|
| Monthly Payment/$5,0002 | $135.03 |
1APR = Annual Percentage Rate. Effective December 11, 2025 rates are subject to change and special offers may be discontinued without notice. Subject to credit approval. Standard underwriting criteria apply.
2Monthly payments will vary based on amount borrowed and term. Any projected payments do not include amounts for taxes and insurance premiums, if applicable; the actual payment obligation will be greater.
3This product is a variable rate line of credit based on Wall Street Journal Prime (WSJP), our standard rate, currently 6.75% as of 12/11/2025, plus a margin between 2% and 7.5% determined by credit score, loan amount, and debt to income ratio, and will not exceed 18% APR. Monthly payment equals 2.00% of the principal balance outstanding on the last day of the billing cycle plus accrued interest ($25 minimum).
4The advertised rate is based on Wall Street Journal Prime (WSJP), currently 6.75% as of 12/11/2025, + 7.5% with the following discounts: a) a credit score of 700 or greater, b) automatic payment deduction from an ENB deposit account, and c) a maximum debt to income ratio of 41%.
5The advertised rate is based on Wall Street Journal Prime (WSJP), currently 6.75% as of 12/11/2025, + 7.0% with the following discounts: a) a credit score of 700 or greater, b) automatic payment deduction from an ENB deposit account, and c) a maximum debt to income ratio of 41%.
6The advertised rate is based on Wall Street Journal Prime (WSJP), currently 6.75% as of 12/11/2025, + 4.5% with the following discounts: a) a credit score of 700 or greater, b) automatic payment deduction from an ENB deposit account, and c) a maximum debt to income ratio of 45%.
7The advertised rate is based on Wall Street Journal Prime (WSJP), currently 6.75% as of 12/11/2025, + 4.0% with the following discounts: a) a credit score of 700 or greater, b) automatic payment deduction from an ENB deposit account, and c) a maximum debt to income ratio of 45%.
8The advertised rate is based on Wall Street Journal Prime (WSJP), currently 6.75% as of 12/11/2025, + 4.0% with the following discounts: a) a credit score of 700 or greater, b) automatic payment deduction from an ENB deposit account, and c) a maximum debt to income ratio of 45%.
9The advertised rate is based on Wall Street Journal Prime (WSJP), currently 6.75% as of 12/11/2025, + 2.0% with the following discounts: a) a credit score of 700 or greater, b) automatic payment deduction from an ENB deposit account, and c) a maximum debt to income ratio of 45%. Ephrata National Bank, Member FDIC. Equal Housing Lender.
Mortgage Rates
Conforming Mortgage Rates
| Type | Rate | Term | Monthly Payment / $10,0002 | APR1 ($350,000, 25% down) | Minimum Down | Time Initial Rate is Fixed | Adjustment After Initial Period | First Adjusted Interest Rate | Max Lifetime Cap | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 30 Yr. Fixed Rate | 6.375% | 30 Yr. | $62.39 | 6.413% | 5% | n/a | n/a | n/a | n/a | |||||||||
| 15 Yr. Fixed Rate | 5.875% | 15 Yr. | $83.71 | 5.937% | 5% | n/a | n/a | n/a | n/a | |||||||||
| 3/6m SOFR ARM3 | 6.500% | 30 Yr. | $63.21 | 6.729% | 5% | 3 Yrs. | 6 Months | 6.625% | 12.500% | |||||||||
| 5/6m SOFR ARM3 | 6.750% | 30 Yr. | $64.86 | 6.813% | 5% | 5 Yrs. | 6 Months | 6.625% | 11.750% | |||||||||
| 7/6m SOFR ARM3 | 7.125% | 30 Yr. | $67.37 | 7.029% | 5% | 7 Yrs. | 6 Months | 6.625% | 12.125% |
30 Yr. Fixed Rate
| Rate | 6.375% |
|---|---|
| Term | 30 Yr. |
| Monthly Payment / $10,0002 | $62.39 |
| APR1 ($350,000, 25% down) | 6.413% |
| Minimum Down | 5% |
| Time Initial Rate is Fixed | n/a |
| Adjustment After Initial Period | n/a |
| First Adjusted Interest Rate | n/a |
| Max Lifetime Cap | n/a |
15 Yr. Fixed Rate
| Rate | 5.875% |
|---|---|
| Term | 15 Yr. |
| Monthly Payment / $10,0002 | $83.71 |
| APR1 ($350,000, 25% down) | 5.937% |
| Minimum Down | 5% |
| Time Initial Rate is Fixed | n/a |
| Adjustment After Initial Period | n/a |
| First Adjusted Interest Rate | n/a |
| Max Lifetime Cap | n/a |
3/6m SOFR ARM3
| Rate | 6.500% |
|---|---|
| Term | 30 Yr. |
| Monthly Payment / $10,0002 | $63.21 |
| APR1 ($350,000, 25% down) | 6.729% |
| Minimum Down | 5% |
| Time Initial Rate is Fixed | 3 Yrs. |
| Adjustment After Initial Period | 6 Months |
| First Adjusted Interest Rate | 6.625% |
| Max Lifetime Cap | 12.500% |
5/6m SOFR ARM3
| Rate | 6.750% |
|---|---|
| Term | 30 Yr. |
| Monthly Payment / $10,0002 | $64.86 |
| APR1 ($350,000, 25% down) | 6.813% |
| Minimum Down | 5% |
| Time Initial Rate is Fixed | 5 Yrs. |
| Adjustment After Initial Period | 6 Months |
| First Adjusted Interest Rate | 6.625% |
| Max Lifetime Cap | 11.750% |
7/6m SOFR ARM3
| Rate | 7.125% |
|---|---|
| Term | 30 Yr. |
| Monthly Payment / $10,0002 | $67.37 |
| APR1 ($350,000, 25% down) | 7.029% |
| Minimum Down | 5% |
| Time Initial Rate is Fixed | 7 Yrs. |
| Adjustment After Initial Period | 6 Months |
| First Adjusted Interest Rate | 6.625% |
| Max Lifetime Cap | 12.125% |
| Type | Rate | Term | Monthly Payment / $10,0002 | APR1 ($850,000, 25% down) | Minimum Down | Time Initial Rate is Fixed | Adjustment After Initial Period | First Adjusted Interest Rate | Max Lifetime Cap | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 30 Yr. Fixed Rate | 8.500% | 30 Yr. | $76.89 | 8.628% | 20% | n/a | n/a | n/a | n/a | |||||||||
| 15 Yr. Fixed Rate | 7.000% | 15 Yr. | $89.88 | 7.189% | 20% | n/a | n/a | n/a | n/a | |||||||||
| 3/6m SOFR ARM3 | 6.500% | 30 Yr. | $623.21 | 6.706% | 10% | 3 Yrs. | 6 Months | 6.625% | 12.500% | |||||||||
| 5/6m SOFR ARM3 | 6.750% | 30 Yr. | $64.86 | 6.790% | 10% | 5 Yrs. | 6 Months | 6.625% | 11.750% | |||||||||
| 7/6m SOFR ARM3 | `7.125% | 30 Yr. | $67.37 | 7.005% | 10% | 7 Yrs. | 6 Months | 6.625% | 12.125% |
30 Yr. Fixed Rate
| Rate | 8.500% |
|---|---|
| Term | 30 Yr. |
| Monthly Payment / $10,0002 | $76.89 |
| APR1 ($850,000, 25% down) | 8.628% |
| Minimum Down | 20% |
| Time Initial Rate is Fixed | n/a |
| Adjustment After Initial Period | n/a |
| First Adjusted Interest Rate | n/a |
| Max Lifetime Cap | n/a |
15 Yr. Fixed Rate
| Rate | 7.000% |
|---|---|
| Term | 15 Yr. |
| Monthly Payment / $10,0002 | $89.88 |
| APR1 ($850,000, 25% down) | 7.189% |
| Minimum Down | 20% |
| Time Initial Rate is Fixed | n/a |
| Adjustment After Initial Period | n/a |
| First Adjusted Interest Rate | n/a |
| Max Lifetime Cap | n/a |
3/6m SOFR ARM3
| Rate | 6.500% |
|---|---|
| Term | 30 Yr. |
| Monthly Payment / $10,0002 | $623.21 |
| APR1 ($850,000, 25% down) | 6.706% |
| Minimum Down | 10% |
| Time Initial Rate is Fixed | 3 Yrs. |
| Adjustment After Initial Period | 6 Months |
| First Adjusted Interest Rate | 6.625% |
| Max Lifetime Cap | 12.500% |
5/6m SOFR ARM3
| Rate | 6.750% |
|---|---|
| Term | 30 Yr. |
| Monthly Payment / $10,0002 | $64.86 |
| APR1 ($850,000, 25% down) | 6.790% |
| Minimum Down | 10% |
| Time Initial Rate is Fixed | 5 Yrs. |
| Adjustment After Initial Period | 6 Months |
| First Adjusted Interest Rate | 6.625% |
| Max Lifetime Cap | 11.750% |
7/6m SOFR ARM3
| Rate | `7.125% |
|---|---|
| Term | 30 Yr. |
| Monthly Payment / $10,0002 | $67.37 |
| APR1 ($850,000, 25% down) | 7.005% |
| Minimum Down | 10% |
| Time Initial Rate is Fixed | 7 Yrs. |
| Adjustment After Initial Period | 6 Months |
| First Adjusted Interest Rate | 6.625% |
| Max Lifetime Cap | 12.125% |
1APR= Annual Percentage Rate; Effective March 09, 2026 45 day rate lock period, a minimum credit score of 740 and Loan to Value (LTV) ratio of 75% to purchase a 1 unit owner occupied, single family dwelling. Rates are subject to change without notice. Rates, points (quoted rates may include up to 3 discount points) and APR will vary based on loan amount, credit score, lock period, LTV, property type, loan type and loan purpose. Loans with LTV ratios above 80% may have higher APRs and will require Private Mortgage Insurance (PMI). Homeowner insurance required. Flood insurance may be required. Fees could range from $500 to $1,500 and include a credit report, appraisal, lien search, flood search, recording and satisfaction fees. Subject to credit approval.
Any projected payments do not include amounts for taxes and insurance premiums; if applicable, the actual payment obligation will be greater.
2Any projected payments do not include amounts for taxes and insurance premiums; if applicable, the actual payment obligation will be greater.
3ARM =Adjustable Rate Mortgage; The APR, interest rate and principal and interest payment for ARM loans are subject to increase and will change after the initial period due to market-driven changes to the index. The ARM rate index is the 30-Day average of the Secured Overnight Financing Rate (SOFR). Ephrata National Bank, Member FDIC. Equal Housing Lender.
Club Account Rates
| Club Account | Minimum Amount to Open and Earn Interest | Interest Rate | APY* | |||
|---|---|---|---|---|---|---|
| EZSave Club | $1 | 0.05% | 0.05% |
EZSave Club
| Minimum Amount to Open and Earn Interest | $1 |
|---|---|
| Interest Rate | 0.05% |
| APY* | 0.05% |
*Annual Percentage Yield. Rates effective September 29, 2025 and are subject to change without notice. Fees may reduce earnings.
Community Impact Account Rates
| Balance Required to Obtain APY** | Interest Rate | APY | ||
|---|---|---|---|---|
| $0 to $9,999 | 3.34% | 3.39% | ||
| $10,000 to $24,999 | 3.34% | 3.39% | ||
| $25,000 to $49,999 | 3.34% | 3.39% | ||
| $50,000 to $99,999 | 3.34% | 3.39% | ||
| $100,000 to $249,999 | 3.34% | 3.39% | ||
| $250,000 to $499,999 | 3.34% | 3.39% | ||
| $500,000 to $999,999 | 3.34% | 3.39% | ||
| $1,000,000 and up | 3.34% | 3.39% |
$0 to $9,999
| Interest Rate | 3.34% |
|---|---|
| APY | 3.39% |
$10,000 to $24,999
| Interest Rate | 3.34% |
|---|---|
| APY | 3.39% |
$25,000 to $49,999
| Interest Rate | 3.34% |
|---|---|
| APY | 3.39% |
$50,000 to $99,999
| Interest Rate | 3.34% |
|---|---|
| APY | 3.39% |
$100,000 to $249,999
| Interest Rate | 3.34% |
|---|---|
| APY | 3.39% |
$250,000 to $499,999
| Interest Rate | 3.34% |
|---|---|
| APY | 3.39% |
$500,000 to $999,999
| Interest Rate | 3.34% |
|---|---|
| APY | 3.39% |
$1,000,000 and up
| Interest Rate | 3.34% |
|---|---|
| APY | 3.39% |
**Annual Percentage Yield. A $2,500 minimum deposit is required to open. $2,500 minimum balance required to avoid the monthly maintenance fee. Rates are effective September 29, 2025 and are subject to change without notice. The account name changed from Community Funds Money Market to Community Impact Account on May 3, 2023.
