What are the current interest rates at Embassy Bank for the Lehigh Valley?

Current rates for Embassy Bank for the Lehigh Valley include: 12-Month CD: 0.10%, 18-Month CD: 0.15%, 24-Month CD: 0.15%, 36-Month CD: 0.25%, 48-Month CD: 0.25%, 60-Month CD: 0.25%, Savings: 0.30%, MMA: 0.02%

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Embassy Bank for the Lehigh Valley

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Embassy Bank for the Lehigh Valley Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Embassy Bank for the Lehigh Valley provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 14, 2026

Embassy Bank for the Lehigh Valley's top rates as of October 14, 2026 are 4.00% APY on its 13-Months Certificate of Deposit - 13-Month Promotional Rate, 0.30% APY on savings, 0.02% APY on money market accounts, 0.02% APY on checking, 6.125% on its Blue Mortgage Purchase Money, and auto loans from 7.99% APR, according to rates verified by MonitorBankRates. Other Embassy Bank for the Lehigh Valley CD rates include IRA Certificate of Deposit - 13-Month Promotional Rate at 4.00%, 7-Months Certificate of Deposit - 7-Month Promotional Rate at 3.80%, and IRA Certificate of Deposit - 7-Month Promotional Rate at 3.80%. Other Embassy Bank for the Lehigh Valley mortgage rates include Blue Mortgage Refinance at 6.125%, Gold Mortgage Refinance at 6.125%, and Gold Mortgage Refinance at 6.125%. MonitorBankRates evaluates the financial stability of Embassy Bank for the Lehigh Valley with a 4.9 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.52%. Rates last updated and verified on 10/14/2026.

Embassy Bank for the Lehigh Valley money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Embassy Bank for the Lehigh Valley? Share your experience about Embassy Bank for the Lehigh Valley by leaving a review below, or read customer reviews before you decide to use Embassy Bank for the Lehigh Valley.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

4.9

Exceptional Out of 5.0 Stars

Texas Ratio

0.52%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Embassy Bank for the Lehigh Valley

100 Gateway Dr
Bethlehem, PA 18017

https://www.embassybank.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Embassy Bank for the Lehigh Valley CD Rates

Product	Rate	APY	Term
Certificate of Deposit - 13-Month Promotional Rate	3.92%	4.00%	13 Months
Min Balance $500 Details Promotional rate applies only to newly-opened Promotional Certificates of Deposit; rollover CDs refer to non-promotional rates; Minimum daily balance of $500 to earn APY; Early withdrawal penalty may apply and reduce earnings Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.00% APY Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
IRA Certificate of Deposit - 13-Month Promotional Rate	3.92%	4.00%	13-Month
Min Balance $500 Details Promotional Rate for newly-opened Promotional Certificates of Deposit only; Minimum daily balance of $500 to earn APY; Early withdrawal penalty may apply Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.00% APY Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
Certificate of Deposit - 7-Month Promotional Rate	3.73%	3.80%	7 Months
Min Balance $500 Details Promotional rate applies only to newly-opened Promotional Certificates of Deposit; rollover CDs refer to non-promotional rates; Minimum daily balance of $500 to earn APY; Early withdrawal penalty may apply and reduce earnings Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.80% APY Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
IRA Certificate of Deposit - 7-Month Promotional Rate	3.73%	3.80%	7-Month
Min Balance $500 Details Promotional Rate for newly-opened Promotional Certificates of Deposit only; Minimum daily balance of $500 to earn APY; Early withdrawal penalty may apply Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.80% APY Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
Certificate of Deposit - 23-Month Promotional Rate	3.53%	3.60%	23 Months
Min Balance $500 Details Promotional rate applies only to newly-opened Promotional Certificates of Deposit; rollover CDs refer to non-promotional rates; Minimum daily balance of $500 to earn APY; Early withdrawal penalty may apply and reduce earnings Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.60% APY Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
IRA Certificate of Deposit - 23-Month Promotional Rate	3.53%	3.60%	23-Month
Min Balance $500 Details Promotional Rate for newly-opened Promotional Certificates of Deposit only; Minimum daily balance of $500 to earn APY; Early withdrawal penalty may apply Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.60% APY Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
60 Month Certificate of Deposit	0.39%	0.40%	60 Months
Min Balance $500 Details Minimum daily balance of $500 to earn APY; Early withdrawal penalty may apply and reduce earnings Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.40% APY Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
IRA Certificate of Deposit - 60 month	0.39%	0.40%	60 Months
Min Balance $500 Details Minimum daily balance of $500 to earn APY; Early withdrawal penalty may apply Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.40% APY Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
12 - 17 Month Certificate of Deposit	0.24%	0.25%	12 - 17 Months
Min Balance $500 Details Minimum daily balance of $500 to earn APY; Early withdrawal penalty may apply and reduce earnings Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.25% APY Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
18 - 22 Month Certificate of Deposit	0.24%	0.25%	18 - 22 Months
Min Balance $500 Details Minimum daily balance of $500 to earn APY; Early withdrawal penalty may apply and reduce earnings Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.25% APY Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
24 - 35 Month Certificate of Deposit	0.24%	0.25%	24 - 35 Months
Min Balance $500 Details Minimum daily balance of $500 to earn APY; Early withdrawal penalty may apply and reduce earnings Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.25% APY Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
36 - 47 Month Certificate of Deposit	0.24%	0.25%	36 - 47 Months
Min Balance $500 Details Minimum daily balance of $500 to earn APY; Early withdrawal penalty may apply and reduce earnings; If interest rates rise after opening a 36 month CD, rate and APY may increase one time during the life of the account Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.25% APY Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
48 - 59 Month Certificate of Deposit	0.24%	0.25%	48 - 59 Months
Min Balance $500 Details Minimum daily balance of $500 to earn APY; Early withdrawal penalty may apply and reduce earnings Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.25% APY Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
IRA Certificate of Deposit - 12 - 17 month	0.24%	0.25%	12-17 months
Min Balance $500 Details Minimum daily balance of $500 to earn APY; Early withdrawal penalty may apply Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.25% APY Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
IRA Certificate of Deposit - 18 - 22 month	0.24%	0.25%	18-22 months
Min Balance $500 Details Minimum daily balance of $500 to earn APY; Early withdrawal penalty may apply Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.25% APY Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
IRA Certificate of Deposit - 24 - 35 month	0.24%	0.25%	24-35 months
Min Balance $500 Details Minimum daily balance of $500 to earn APY; Early withdrawal penalty may apply Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.25% APY Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
IRA Certificate of Deposit - 36 - 47 month	0.24%	0.25%	36-47 months
Min Balance $500 Details Minimum daily balance of $500 to earn APY; Early withdrawal penalty may apply Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.25% APY Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
IRA Certificate of Deposit - 48 - 59 month	0.24%	0.25%	48-59 months
Min Balance $500 Details Minimum daily balance of $500 to earn APY; Early withdrawal penalty may apply Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.25% APY Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
30 - 90 Day Certificate of Deposit	0.09%	0.10%	30 - 90 Days
Min Balance $500 Details Minimum daily balance of $500 to earn APY; Early withdrawal penalty may apply and reduce earnings Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.10% APY Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
4 - 8 Month Certificate of Deposit	0.09%	0.10%	4 - 8 Months
Min Balance $500 Details Minimum daily balance of $500 to earn APY; Early withdrawal penalty may apply and reduce earnings Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.10% APY Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
7 Day Certificate of Deposit	0.09%	0.10%	7 Days
Min Balance $500 Details Minimum daily balance of $500 to earn APY; Early withdrawal penalty may apply and reduce earnings Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.10% APY Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
9 - 11 Month Certificate of Deposit	0.09%	0.10%	9 - 11 Months
Min Balance $500 Details Minimum daily balance of $500 to earn APY; Early withdrawal penalty may apply and reduce earnings Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.10% APY Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
IRA Certificate of Deposit - 6 - 8 month	0.09%	0.10%	6-8 months
Min Balance $500 Details Minimum daily balance of $500 to earn APY; Early withdrawal penalty may apply Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.10% APY Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
IRA Certificate of Deposit - 9 - 11 month	0.09%	0.10%	9-11 months
Min Balance $500 Details Minimum daily balance of $500 to earn APY; Early withdrawal penalty may apply Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.10% APY Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%

Embassy Bank for the Lehigh Valley Business CD Rates

Product	Rate	APY	Term
60 Month Business Certificate of Deposit	0.39%	0.40%	60 Months
No additional details. Last Updated 10/14/2026 Rate History No change since Sep 29, 2026 · 0.40% APY · checked 5 times Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
24 - 35 Month Business Certificate of Deposit	0.24%	0.25%	24 - 35 Months
No additional details. Last Updated 10/14/2026 Rate History No change since Sep 29, 2026 · 0.25% APY · checked 5 times Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
36 - 47 Month Business Certificate of Deposit	0.24%	0.25%	36 - 47 Months
No additional details. Last Updated 10/14/2026 Rate History No change since Sep 29, 2026 · 0.25% APY · checked 5 times Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
48 - 59 Month Business Certificate of Deposit	0.24%	0.25%	48 - 59 Months
No additional details. Last Updated 10/14/2026 Rate History No change since Sep 29, 2026 · 0.25% APY · checked 5 times Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
12 - 17 Month Business Certificate of Deposit	0.14%	0.15%	12 - 17 Months
No additional details. Last Updated 10/14/2026 Rate History No change since Sep 29, 2026 · 0.15% APY · checked 5 times Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
18 - 23 Month Business Certificate of Deposit	0.14%	0.15%	18 - 23 Months
No additional details. Last Updated 10/14/2026 Rate History No change since Sep 29, 2026 · 0.15% APY · checked 5 times Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
30 - 90 Day Business Certificate of Deposit	0.09%	0.10%	30 - 90 Days
No additional details. Last Updated 10/14/2026 Rate History No change since Sep 29, 2026 · 0.10% APY · checked 5 times Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
4 - 8 Month Business Certificate of Deposit	0.09%	0.10%	4 - 8 Months
No additional details. Last Updated 10/14/2026 Rate History No change since Sep 29, 2026 · 0.10% APY · checked 5 times Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
7 Day Business Certificate of Deposit	0.09%	0.10%	7 Days
No additional details. Last Updated 10/14/2026 Rate History No change since Sep 29, 2026 · 0.10% APY · checked 5 times Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
9 - 11 Month Business Certificate of Deposit	0.09%	0.10%	9 - 11 Months
No additional details. Last Updated 10/14/2026 Rate History No change since Sep 29, 2026 · 0.10% APY · checked 5 times Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%

Embassy Bank for the Lehigh Valley Savings Rates

Product	Rate	APY
Ingot Savings	0.29%	0.30%
Details Balance: All Balances; Rate may vary and interest compounds monthly. Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 0.30% APY · checked 3 times Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
Young Savers	0.02%	0.02%
Details Balance: All Balances; Rate may vary and interest compounds monthly Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.02% APY Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%

Embassy Bank for the Lehigh Valley Business Money Market Rates

Product	Rate	APY
Business Money Market	0.02%	0.02%
Min Balance $500,000 Details Balance: $500,000.00 and up; Rate may vary and is paid on full daily balance for applicable tier. Interest compounds monthly. Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.02% APY Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
Business Money Market	0.02%	0.02%
Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99; Rate may vary and is paid on full daily balance for applicable tier. Interest compounds monthly. Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.02% APY Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
Business Money Market	0.02%	0.02%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99; Rate may vary and is paid on full daily balance for applicable tier. Interest compounds monthly. Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.02% APY Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
Business Money Market	0.02%	0.02%
Min Balance $25,000 Details Balance: $25,000.00 - $99,999.00; Rate may vary and is paid on full daily balance for applicable tier. Interest compounds monthly. Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.02% APY Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
Business Money Market	0.02%	0.02%
Min Balance $0 Details Balance: $0.00 - $24,999.99; Rate may vary and is paid on full daily balance for applicable tier. Interest compounds monthly. Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.02% APY Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%

Embassy Bank for the Lehigh Valley Checking Rates

Product	Rate	APY
Enterprise Interest Checking	0.02%	0.02%
Min Balance $25,000 Details Balance: $25,000.00 and up; Rate may vary and is paid on full daily balance for applicable tier. Interest compounds monthly. Fees may reduce earnings. Last Updated 10/14/2026 Rate History No change since Sep 29, 2026 · 0.02% APY · checked 3 times Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
Enterprise Non-Profit Interest Checking	0.02%	0.02%
Min Balance $5,000 Details Balance: $5,000.00 and up; Special account for IRS 501 ( c ) ( 3 ) companies. Rate may vary and interest compounds monthly. Last Updated 10/14/2026 Rate History No change since Sep 29, 2026 · 0.02% APY · checked 5 times Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%

Embassy Bank for the Lehigh Valley Mortgage Rates

Product	Rate	Points	APR	Term
Blue Mortgage Purchase Money	6.125%	-	6.159%	7 Years
Details 1st Lien Only, 80% Loan to Value Ratio; Monthly w/ Autopay; Monthly Payment per $1,000 Borrowed: $6.08; Final Balloon Payment (Based on $100,000 Loan Amount): $90,430.94; 1-4 family owner-occupied dwellings in Lehigh or Northampton County; add .50% to posted rate without automatic payment; add .25% for LTV 81-90% Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.16% APR Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
Blue Mortgage Refinance	6.125%	-	6.251%	7 Years
Details Lehigh or Northampton County; 1st Lien Only, 80% LTV; Monthly w/ Autopay; Monthly Payment per $1,000 Borrowed $6.08; Final Balloon Payment $90,430.94 (based on $100,000 loan); add .50% to rate for loans without automatic payment; add .25% for 81-90% LTV Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.25% APR Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
Gold Mortgage Refinance	6.125%	-	6.276%	10 Years
Details Lehigh or Northampton County; Bi-Weekly w/ Autopay; 1st Lien Only, 80% Loan to Value Ratio; Requires automatic payment from Embassy Bank checking account Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.28% APR Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
Gold Mortgage Refinance	6.125%	-	6.277%	10 Years
Details Lehigh or Northampton County; Monthly w/ Autopay; 1st Lien Only, 80% Loan to Value Ratio; Requires automatic payment from Embassy Bank checking account Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.28% APR Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
Blue Mortgage Purchase Money	6.375%	-	6.396%	15 Years
Details 1st Lien Only, 80% Loan to Value Ratio; Monthly w/ Autopay; Monthly Payment per $1,000 Borrowed: $6.24; Final Balloon Payment (Based on $100,000 Loan Amount): $72,796.56; 1-4 family owner-occupied dwellings in Lehigh or Northampton County; add .50% to posted rate without automatic payment; add .25% for LTV 81-90% Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.40% APR Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
Blue Mortgage Refinance	6.375%	-	6.454%	15 Years
Details Lehigh or Northampton County; 1st Lien Only, 80% LTV; Monthly w/ Autopay; Monthly Payment per $1,000 Borrowed $6.24; Final Balloon Payment $72,796.56 (based on $100,000 loan); add .50% to rate for loans without automatic payment; add .25% for 81-90% LTV Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.45% APR Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
Gold Mortgage Refinance	6.375%	-	6.476%	15 Years
Details Lehigh or Northampton County; Bi-Weekly w/ Autopay; 1st Lien Only, 80% Loan to Value Ratio; Requires automatic payment from Embassy Bank checking account Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.48% APR Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
Gold Mortgage Refinance	6.375%	-	6.484%	15 Years
Details Lehigh or Northampton County; Monthly w/ Autopay; 1st Lien Only, 80% Loan to Value Ratio; Requires automatic payment from Embassy Bank checking account Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.48% APR Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
Gold Mortgage Refinance	6.95%	-	7.028%	20 Years
Details Lehigh or Northampton County; Bi-Weekly w/ Autopay; 1st Lien Only, 80% Loan to Value Ratio; Requires automatic payment from Embassy Bank checking account Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.03% APR Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
Gold Mortgage Refinance	6.95%	-	7.038%	20 Years
Details Lehigh or Northampton County; Monthly w/ Autopay; 1st Lien Only, 80% Loan to Value Ratio; Requires automatic payment from Embassy Bank checking account Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.04% APR Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
Gold Mortgage Refinance	7.125%	-	7.19%	25 Years
Details Lehigh or Northampton County; Bi-Weekly w/ Autopay; 1st Lien Only, 80% Loan to Value Ratio; Requires automatic payment from Embassy Bank checking account Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.19% APR Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
Blue Lot Loan Refinance	8.25%	-	8.379%	5 Years
Details 1st Lien Only, 80% Loan to Value Ratio; Monthly w/ Autopay; Payments based on a 30-year amortization; Final Balloon Payment (Based on $100,000 Loan Amount): $96,035.04; Available for qualified lots located in Lehigh or Northampton County; up to $550,000; add .50% to posted rates for loans without automatic payment; Maximum loan-to-value ratio 80%; Title Insurance may be required Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 8.38% APR · checked 3 times Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
Blue Lot Loan Refinance	8.50%	-	8.58%	10 Years
Details 1st Lien Only, 80% Loan to Value Ratio; Monthly w/ Autopay; Payments based on a 30-year amortization; Final Balloon Payment (Based on $100,000 Loan Amount): $89,371.86; Available for qualified lots located in Lehigh or Northampton County; up to $550,000; add .50% to posted rates for loans without automatic payment; Maximum loan-to-value ratio 80%; Title Insurance may be required Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 8.58% APR · checked 3 times Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%

Embassy Bank for the Lehigh Valley Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Installment Loan	4.99%	-	4.99%	36 Months
Details 80% Combined Loan to Value Ratio; Monthly w/ Autopay; Bi-weekly w/ Autopay rate 4.99%, APR 4.99%; add .50% to posted rates without automatic payment; $5,000 - $250,000 loans secured by 2nd lien on owner-occupied dwellings in Lehigh or Northampton County; APR based on $100,000 loan amount Last Updated 10/14/2026 Rate History No change since Sep 29, 2026 · 4.99% APR · checked 6 times Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
Home Equity Installment Loan	5.49%	-	5.49%	60 Months
Details 80% Combined Loan to Value Ratio; Monthly w/ Autopay; Bi-weekly w/ Autopay rate 5.49%, APR 5.49%; add .50% to posted rates without automatic payment; $5,000 - $250,000 loans secured by 2nd lien on owner-occupied dwellings in Lehigh or Northampton County; APR based on $100,000 loan amount Last Updated 10/14/2026 Rate History No change since Sep 29, 2026 · 5.49% APR · checked 6 times Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
Home Equity Installment Loan	6.49%	-	6.49%	120 Months
Details 80% Combined Loan to Value Ratio; Monthly w/ Autopay; Bi-weekly w/ Autopay rate 6.49%, APR 6.49%; add .50% to posted rates without automatic payment; $5,000 - $250,000 loans secured by 2nd lien on owner-occupied dwellings in Lehigh or Northampton County; APR based on $100,000 loan amount Last Updated 10/14/2026 Rate History No change since Sep 29, 2026 · 6.49% APR · checked 6 times Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
Home Equity Installment Loan	6.74%	-	6.74%	180 Months
Details 80% Combined Loan to Value Ratio; Monthly w/ Autopay; Bi-weekly w/ Autopay rate 6.74%, APR 6.74%; add .50% to posted rates without automatic payment; $5,000 - $250,000 loans secured by 2nd lien on owner-occupied dwellings in Lehigh or Northampton County; APR based on $100,000 loan amount Last Updated 10/14/2026 Rate History No change since Sep 29, 2026 · 6.74% APR · checked 6 times Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%

Embassy Bank for the Lehigh Valley Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan	7.99%	-	7.99%	60 Months
Details Model Year: 2027 - 2026; Rate/APR with Autopay; Rates with automatic payment include .50% discount from an Embassy Bank checking account; Loans subject to credit approval Last Updated 10/14/2026 Rate History No change since Sep 29, 2026 · 7.99% APR · checked 5 times Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
New Auto Loan	8.49%	-	8.49%	72 Months
Details Model Year: 2027 - 2026; Rate/APR with Autopay; Rates with automatic payment include .50% discount from an Embassy Bank checking account; Loans subject to credit approval Last Updated 10/14/2026 Rate History No change since Sep 29, 2026 · 8.49% APR · checked 5 times Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
Used Auto Loan	8.49%	-	8.49%	60 Months
Details Model Year: 2026 - 2024; Rate/APR with Automatic Payment; Rates with Automatic Payment include .50% discount for payments directly deducted from an Embassy Bank checking account; Loans subject to credit approval Last Updated 10/14/2026 Rate History No change since Sep 29, 2026 · 8.49% APR · checked 5 times Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
Gold Lot Loan Refinance - Bi-Weekly w/ Autopay	8.75%	-	8.825%	15 Years
Details Bi-Weekly Payment per $1,000 Borrowed: $5.00; 1st Lien Only, 80% Loan to Value Ratio; Available for qualified lots in Lehigh or Northampton County up to $550,000; automatic payment from Embassy Bank checking (add .50% to posted rates without autopay); Maximum LTV 80%; APR based on $100,000 loan; Title Insurance may be required; rates locked 60 days Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.83% APR Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
Gold Lot Loan Refinance - Monthly w/ Autopay	8.75%	-	8.838%	15 Years
Details Monthly Payment per $1,000 Borrowed: $9.99; 1st Lien Only, 80% Loan to Value Ratio; Available for qualified lots in Lehigh or Northampton County up to $550,000; automatic payment from Embassy Bank checking (add .50% to posted rates without autopay); Maximum LTV 80%; APR based on $100,000 loan; Title Insurance may be required; rates locked 60 days Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.84% APR Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
Older Used Auto Loan	9.49%	-	9.49%	48 Months
Details Model Year: 2023 - 2020; Rate/APR with automatic payment; Rates with Automatic Payment include .50% discount for payments directly deducted from an Embassy Bank checking account; Loans subject to credit approval Last Updated 10/14/2026 Rate History No change since Sep 29, 2026 · 9.49% APR · checked 5 times Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%

Embassy Bank for the Lehigh Valley Other Rates

Product	Rate	Points	APY/APR	Term
Blue Lot Loan Purchase Money	8.25%	-	8.281%	5 Years
Details 1st Lien Only, 80% Loan to Value Ratio; Monthly w/ Autopay; Payments based on 30-year amortization; Balloon payment at end of term; Lehigh or Northampton County qualified lots; APR based on $100,000 loan amount Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.28% APR Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
Blue Lot Loan Purchase Money	8.50%	-	8.519%	10 Years
Details 1st Lien Only, 80% Loan to Value Ratio; Monthly w/ Autopay; Payments based on 30-year amortization; Balloon payment at end of term; Lehigh or Northampton County qualified lots; APR based on $100,000 loan amount Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.52% APR Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
Gold Lot Loan	8.75%	-	8.888%	15 Years
Details Bi-Weekly w/ Autopay; 1st Lien Only; 80% Loan to Value Ratio; qualified lots in Lehigh or Northampton County; up to $550,000; add .50% to posted rates without automatic payment; maximum LTV 80%; APR based on $100,000 loan amount; title insurance may be required; rates locked for 60 days Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.89% APR Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
Gold Lot Loan	8.75%	-	8.771%	15 Years
Details Monthly w/ Autopay; 1st Lien Only; 80% Loan to Value Ratio; qualified lots in Lehigh or Northampton County; up to $550,000; add .50% to posted rates without automatic payment; maximum LTV 80%; APR based on $100,000 loan amount; title insurance may be required; rates locked for 60 days Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.77% APR Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Embassy Bank for the Lehigh Valley’s Texas Ratio stayed near 0.43% in Q3 2023 to 0.52% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 3.1 to 4.9 and its Health Grade from B- to A+. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.9B	0.52%	4.9	A+
March 31, 2026	$1.8B	0.38%	4.8	A+
December 31, 2025	$1.8B	0.38%	5.0	A+
September 30, 2025	$1.8B	0.41%	4.9	A+
June 30, 2025	$1.8B	0.43%	4.5	A
March 31, 2025	$1.8B	0.42%	4.4	A
December 31, 2024	$1.7B	0.47%	4.2	A-
September 30, 2024	$1.7B	1.06%	4.7	A
June 30, 2024	$1.7B	0.77%	4.0	B+
March 31, 2024	$1.7B	0.24%	4.3	A-
December 31, 2023	$1.7B	0.35%	4.4	A
September 30, 2023	$1.7B	0.43%	3.1	B-

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Embassy Bank for the Lehigh Valley is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Embassy Bank for the Lehigh Valley rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Embassy Bank for the Lehigh Valley's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Embassy Bank for the Lehigh Valley

Bank Holding Company EMBASSY BCORP INC

Address 100 Gateway Dr, Bethlehem, PA 18017 · Northampton

Website https://www.embassybank.com

FDIC Certificate # 57228

Established 20011106

FDIC Insurance Date 20011106

Domestic Offices 10

Total Branches 10

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 98/100

4.9

Exceptional Out of 5.0 Stars

0.52%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.8920%

Return on Equity (ROE) 12.9300%

Non-Performing Loans (NPL) 0.04%

Total Assets $1,860,416,000

Total Deposits $1,698,344,000

Equity Capital $127,802,000

Net Income $8,183,000

Headquarters Bethlehem

Total Branches and Offices 10

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Embassy Bank for the Lehigh Valley earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Customer Reviews

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Frequently Asked Questions About Embassy Bank for the Lehigh Valley

How many branches does Embassy Bank for the Lehigh Valley operate?

Embassy Bank for the Lehigh Valley currently maintains approximately 10 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Embassy Bank for the Lehigh Valley does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Embassy Bank for the Lehigh Valley provides members with tools to manage their accounts and build a solid financial history.

Does Embassy Bank for the Lehigh Valley offer online and mobile banking?

Most modern institutions like Embassy Bank for the Lehigh Valley provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.embassybank.com.

Current Embassy Bank for the Lehigh Valley Rates

12-Month CD0.10%
18-Month CD0.15%
24-Month CD0.15%
36-Month CD0.25%
48-Month CD0.25%
60-Month CD0.25%
Savings0.30%
MMA0.02%

Retrieved from our database of financial products. Rates subject to change.

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Embassy Bank for the Lehigh Valley Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Embassy Bank for the Lehigh Valley Texas Ratio

Embassy Bank for the Lehigh Valley Health Trend

Embassy Bank for the Lehigh Valley CD Rates

Embassy Bank for the Lehigh Valley Business CD Rates

Embassy Bank for the Lehigh Valley Savings Rates

Embassy Bank for the Lehigh Valley Business Money Market Rates

Embassy Bank for the Lehigh Valley Checking Rates

Embassy Bank for the Lehigh Valley Mortgage Rates

Embassy Bank for the Lehigh Valley Home Equity & HELOC

Embassy Bank for the Lehigh Valley Auto Loan Rates

Embassy Bank for the Lehigh Valley Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financial Health & Assets

Embassy Bank for the Lehigh Valley earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Embassy Bank for the Lehigh Valley

How many branches does Embassy Bank for the Lehigh Valley operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Embassy Bank for the Lehigh Valley offer online and mobile banking?

Current Embassy Bank for the Lehigh Valley Rates

Compare to Other Banks