What are the current interest rates at The Ephrata National Bank?

Current rates for The Ephrata National Bank include: 12-Month CD: 1.15%, 18-Month CD: 0.05%, 24-Month CD: 1.15%, 36-Month CD: 1.15%, 48-Month CD: 1.15%, 60-Month CD: 1.15%, MMA: 1.95%

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The Ephrata National Bank Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, The Ephrata National Bank 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

The Ephrata National Bank's top rates as of October 14, 2026 are 1.26% APY on its 12-17-Months 12-17-Month CD or IRA, 1.95% APY on money market accounts, 7.625% on its 3/6m SOFR ARM mortgage, and personal loans from 7.98% APR, according to rates verified by MonitorBankRates. Other The Ephrata National Bank CD rates include 18-23-Months 18-23-Month CD or IRA at 1.26%, 24-29-Months 24-29-Month CD or IRA at 1.26%, and 30-35-Months 30-35-Month CD or IRA at 1.26%. Other The Ephrata National Bank mortgage rates include 3/6m SOFR ARM at 7.625%, 5/6m SOFR ARM at 7.875%, and 5/6m SOFR ARM at 7.875%. MonitorBankRates evaluates the financial stability of The Ephrata National Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.34%. Rates last updated and verified on 10/14/2026.

The Ephrata National Bank 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 The Ephrata National Bank? Share your experience about The Ephrata National Bank by leaving a review below, or read customer reviews before you decide to use The Ephrata National Bank.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.34%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

The Ephrata National Bank

31 E Main St
Ephrata, PA 17522

https://www.epnb.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.

The Ephrata National Bank CD Rates

Product	Rate	APY	Term
12-17 Month CD or IRA	1.25%	1.26%	12-17 months
Min Balance $100,000 Details Balance: $100,000 and up Last Updated 10/14/2026 Rate History No change since Oct 2, 2026 · 1.26% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
18-23 Month CD or IRA	1.25%	1.26%	18-23 months
Min Balance $100,000 Details Balance: $100,000 and up Last Updated 10/14/2026 Rate History No change since Oct 2, 2026 · 1.26% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
24-29 Month CD or IRA	1.25%	1.26%	24-29 months
Min Balance $100,000 Details Balance: $100,000 and up Last Updated 10/14/2026 Rate History No change since Oct 2, 2026 · 1.26% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
30-35 Month CD or IRA	1.25%	1.26%	30-35 months
Min Balance $100,000 Details Balance: $100,000 and up Last Updated 10/14/2026 Rate History No change since Oct 2, 2026 · 1.26% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
36-47 Month CD or IRA	1.25%	1.26%	36-47 months
Min Balance $100,000 Details Balance: $100,000 and up Last Updated 10/14/2026 Rate History No change since Oct 2, 2026 · 1.26% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
48-59 Month CD or IRA	1.25%	1.26%	48-59 months
Min Balance $100,000 Details Balance: $100,000 and up Last Updated 10/14/2026 Rate History No change since Oct 2, 2026 · 1.26% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
60 Month CD or IRA	1.25%	1.26%	60 Month
Min Balance $100,000 Details Balance: $100,000 and up Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.26% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
7-11 Month CD or IRA	1.25%	1.26%	7-11 months
Min Balance $100,000 Details Balance: $100,000 and up Last Updated 10/14/2026 Rate History No change since Oct 2, 2026 · 1.26% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
12-17 Month CD or IRA	1.15%	1.15%	12-17 months
Min Deposit $500 Last Updated 10/14/2026 Rate History No change since Oct 2, 2026 · 1.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
18-23 Month CD or IRA	1.15%	1.15%	18-23 months
Min Deposit $500 Last Updated 10/14/2026 Rate History No change since Oct 2, 2026 · 1.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
24-29 Month CD or IRA	1.15%	1.15%	24-29 months
Min Deposit $500 Last Updated 10/14/2026 Rate History No change since Oct 2, 2026 · 1.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
30-35 Month CD or IRA	1.15%	1.15%	30-35 months
Min Deposit $500 Last Updated 10/14/2026 Rate History No change since Oct 2, 2026 · 1.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
36-47 Month CD or IRA	1.15%	1.15%	36-47 months
Min Deposit $500 Last Updated 10/14/2026 Rate History No change since Oct 2, 2026 · 1.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
48-59 Month CD or IRA	1.15%	1.15%	48-59 months
Min Deposit $500 Last Updated 10/14/2026 Rate History No change since Oct 2, 2026 · 1.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
60 Month CD or IRA	1.15%	1.15%	60 Month
Min Deposit $500 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
7-11 Month CD or IRA	1.15%	1.15%	7-11 months
Min Deposit $500 Last Updated 10/14/2026 Rate History No change since Oct 2, 2026 · 1.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
4-6 Month CD or IRA	0.85%	0.85%	4-6 months
Min Balance $100,000 Details Balance: $100,000 and up Last Updated 10/14/2026 Rate History No change since Oct 2, 2026 · 0.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
4-6 Month CD or IRA	0.75%	0.75%	4-6 months
Min Deposit $500 Last Updated 10/14/2026 Rate History No change since Oct 2, 2026 · 0.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
3 Month CD	0.50%	0.50%	3 Month
Min Balance $100,000 Details Balance: $100,000 and up Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
3 Month CD	0.40%	0.40%	3 Month
Min Deposit $500 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.40% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
15 - 90 Day Short Term CD	0.05%	0.05%	15-90 Days
Min Deposit $2,500 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
15 - 90 Day Short Term CD	0.05%	0.05%	15-90 Days
Min Balance $100,000 Details Balance: $100,000 and up Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
18 Month Flex IRA CD	0.05%	0.05%	18 month
Min Deposit $10 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Short Term CD (15-90 Days)	0.05%	0.05%	15-90 Days
Min Deposit $2,500 Details $2,500 min. to open Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Short Term CD (15-90 Days)	0.05%	0.05%	15-90 Days
Min Deposit $100,000 Details Balance: $100,000 and up Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%

The Ephrata National Bank Savings Rates

Product	Rate	APY	View More
EZSave Club	0.05%	0.05%
Min Deposit $1 Details Minimum Amount to Open and Earn Interest: $1 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%

The Ephrata National Bank Money Market Rates

Product	Rate	APY
Personal Money Market	1.93%	1.95%
Min Deposit $2,500 Min Balance $1,000,000 Details Balance: $1,000,000 and up; $2,500 minimum balance required to avoid the monthly maintenance fee Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 1.95% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Personal Money Market	1.04%	1.04%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000 to $499,999; $2,500 minimum balance required to avoid the monthly maintenance fee Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 1.04% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Personal Money Market	1.04%	1.04%
Min Deposit $2,500 Min Balance $500,000 Details Balance: $500,000 - $999,999; $2,500 minimum balance required to avoid the monthly maintenance fee Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 1.04% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Personal Money Market	0.30%	0.30%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000 to $49,999 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 0.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Personal Money Market	0.20%	0.20%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000 - $24,999; $2,500 minimum balance required to avoid the monthly maintenance fee Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 0.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Personal Money Market	0.10%	0.10%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $0 to $9,999; $2,500 minimum balance required to avoid the monthly maintenance fee Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%

The Ephrata National Bank Mortgage Rates

Product	Rate	Points	APR	Term
3/6m SOFR ARM	7.625%	-	7.192%	30 years
Details APR based on $850,000, 25% down; Minimum Down: 10%; Time Initial Rate is Fixed: 3 Yrs.; Adjustment After Initial Period: 6 Months; First Adjusted Interest Rate: 6.875%; Max Lifetime Cap: 13.625% Last Updated 10/14/2026 Rate History 1 change since Sep 15, 2026 · 7.13% → 7.19% ▲ 0.07 pts · high 7.19% / low 7.13% Oct 7, 20267.19%▲ from 7.13% Sep 15, 20267.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
3/6m SOFR ARM	7.625%	-	7.216%	30 years
Details Conforming Mortgage Rates; APR based on $350,000, 25% down; Minimum Down: 5%; Time Initial Rate is Fixed: 3 Yrs.; Adjustment After Initial Period: 6 Months; First Adjusted Interest Rate: 6.875%; Max Lifetime Cap: 13.625% Last Updated 10/14/2026 Rate History 1 change since Sep 15, 2026 · 7.13% → 7.22% ▲ 0.09 pts · high 7.22% / low 7.13% Oct 7, 20267.22%▲ from 7.13% Sep 15, 20267.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
5/6m SOFR ARM	7.875%	-	7.409%	30 years
Details APR based on $850,000, 25% down; Minimum Down: 10%; Time Initial Rate is Fixed: 5 Yrs.; Adjustment After Initial Period: 6 Months; First Adjusted Interest Rate: 6.875%; Max Lifetime Cap: 12.875% Last Updated 10/14/2026 Rate History 1 change since Sep 15, 2026 · 7.38% → 7.41% ▲ 0.03 pts · high 7.41% / low 7.38% Oct 7, 20267.41%▲ from 7.38% Sep 15, 20267.38%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
5/6m SOFR ARM	7.875%	-	7.434%	30 years
Details Conforming Mortgage Rates; APR based on $350,000, 25% down; Minimum Down: 5%; Time Initial Rate is Fixed: 5 Yrs.; Adjustment After Initial Period: 6 Months; First Adjusted Interest Rate: 6.875%; Max Lifetime Cap: 12.875% Last Updated 10/14/2026 Rate History 1 change since Sep 15, 2026 · 7.38% → 7.43% ▲ 0.06 pts · high 7.43% / low 7.38% Oct 7, 20267.43%▲ from 7.38% Sep 15, 20267.38%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
7/6m SOFR ARM	8.125%	-	7.674%	30 years
Details APR based on $850,000, 25% down; 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: 13.125% Last Updated 10/14/2026 Rate History 1 change since Sep 15, 2026 · 7.63% → 7.67% ▲ 0.05 pts · high 7.67% / low 7.63% Oct 7, 20267.67%▲ from 7.63% Sep 15, 20267.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
7/6m SOFR ARM	8.125%	-	7.699%	30 years
Details Conforming Mortgage Rates; APR based on $350,000, 25% down; Minimum Down: 5%; Time Initial Rate is Fixed: 7 Yrs.; Adjustment After Initial Period: 6 Months; First Adjusted Interest Rate: 8.125%; Max Lifetime Cap: 13.125% Last Updated 10/14/2026 Rate History 1 change since Sep 15, 2026 · 7.63% → 7.70% ▲ 0.07 pts · high 7.70% / low 7.63% Oct 7, 20267.70%▲ from 7.63% Sep 15, 20267.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%

The Ephrata National Bank Auto Loan Rates

Product	Rate	Points	APR	Term
Vehicle Loan - New Vehicle	-	-	5.99%	72 months
Details Max LTV: 100%; Min Down: 0%; Automatic payment deduction from an ENB deposit account required for published rate Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Vehicle Loan - 1 - 2 Year Old Models	-	-	6.75%	72 months
Details Max LTV: 100%; Min Down: 0%; Automatic payment deduction from an ENB deposit account required for published rate Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Vehicle Loan - 3+ Year Old Models	-	-	8.25%	48 months
Details Max LTV: 90%; Min Down: 10%; Automatic payment deduction from an ENB deposit account required for published rate Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%

The Ephrata National Bank Personal Loan Rates

Product	APR	Term
Unsecured Fixed Rate Loan	7.98%	36 months
Details Liquid net worth greater than $1,000,000; Amount: $50,000 - $100,000; Monthly Payment/$10,000: $313.28 Last Updated 10/14/2026 Rate History 2 changes since Sep 15, 2026 · 10.74% → 7.98% ▼ 2.76 pts · high 10.74% / low 7.98% Oct 14, 20267.98%▼ from 8.49% Oct 7, 20268.49%▼ from 10.74% Sep 15, 202610.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Unsecured Fixed Rate Loan	8.49%	36 months
Details Liquid net worth between $500,000 - $999,999; Loan amount $20,000 - $50,000 Last Updated 10/14/2026 Rate History 1 change since Sep 15, 2026 · 10.74% → 8.49% ▼ 2.25 pts · high 10.74% / low 8.49% Oct 7, 20268.49%▼ from 10.74% Sep 15, 202610.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Unsecured Personal Line of Credit	8.50%
Details Liquid net worth greater than $1,000,000; Amount: $50,000 - $100,000 Last Updated 10/14/2026 Rate History 2 changes since Sep 15, 2026 · 10.75% → 8.50% ▼ 2.25 pts · high 10.75% / low 8.50% Oct 14, 20268.50%▼ from 10.50% Sep 18, 202610.50%▼ from 10.75% Sep 15, 202610.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Unsecured Fixed Rate Loan	9.49%	36 months
Details Liquid net worth between $500,000 - $999,999; Loan amount $500 - $19,999 Last Updated 10/14/2026 Rate History 1 change since Sep 15, 2026 · 10.74% → 9.49% ▼ 1.25 pts · high 10.74% / low 9.49% Oct 7, 20269.49%▼ from 10.74% Sep 15, 202610.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Unsecured Personal Line of Credit	10.50%
Details Liquid net worth between $500,000 - $999,999; Amount: $20,000 - $50,000 Last Updated 10/14/2026 Rate History 1 change since Sep 15, 2026 · 10.75% → 10.50% ▼ 0.25 pts · high 10.75% / low 10.50% Sep 18, 202610.50%▼ from 10.75% Sep 15, 202610.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Unsecured Fixed Rate Loan	10.74%	36 months
Details Amount: $10,000 - $20,000 Last Updated 10/14/2026 Rate History No change since Sep 15, 2026 · 10.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Unsecured Fixed Rate Loan	10.98%	36 months
Details Amount: $500 - $9,999 Last Updated 10/14/2026 Rate History 1 change since Sep 15, 2026 · 10.74% → 10.98% ▲ 0.24 pts · high 10.98% / low 10.74% Oct 14, 202610.98%▲ from 10.74% Sep 15, 202610.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Unsecured Personal Line of Credit	11.00%
Details Liquid net worth between $500,000 - $999,999; Amount: $500 - $19,999 Last Updated 10/14/2026 Rate History 1 change since Sep 15, 2026 · 10.75% → 11.00% ▲ 0.25 pts · high 11.00% / low 10.75% Sep 18, 202611.00%▲ from 10.75% Sep 15, 202610.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Unsecured Personal Line of Credit	13.50%
Details Amount: $5,000 - $20,000; Monthly Payment/$5,000: $157.33; Variable rate line of credit based on WSJP plus margin; advertised rate requires credit score of 700 or greater, automatic payment deduction from an ENB deposit account, and maximum debt to income ratio of 41% Last Updated 10/14/2026 Rate History 2 changes since Sep 15, 2026 · 10.75% → 13.50% ▲ 2.75 pts · high 13.50% / low 10.75% Sep 24, 202613.50%▲ from 11.00% Sep 18, 202611.00%▲ from 10.75% Sep 15, 202610.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Unsecured Personal Line of Credit	14.00%
Details Amount: $250 - $4,999; Monthly Payment/$5,000: $159.45; Variable rate line of credit based on WSJP plus margin; advertised rate requires credit score of 700 or greater, automatic payment deduction from an ENB deposit account, and maximum debt to income ratio of 41% Last Updated 10/14/2026 Rate History 2 changes since Sep 15, 2026 · 10.75% → 14.00% ▲ 3.25 pts · high 14.00% / low 10.75% Sep 24, 202614.00%▲ from 11.00% Sep 18, 202611.00%▲ from 10.75% Sep 15, 202610.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%

The Ephrata National Bank Other Rates

Product	Rate	Points	APY/APR	Term
15 Yr. Fixed Rate	7.00%	-	7.065%	15 years
Details Conforming Mortgage Rates; APR based on $350,000, 25% down; Minimum Down: 5% Last Updated 10/14/2026 Rate History 1 change since Sep 15, 2026 · 7.69% → 7.07% ▼ 0.63 pts · high 7.69% / low 7.07% Oct 7, 20267.07%▼ from 7.69% Sep 15, 20267.69%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
15 Yr. Fixed Rate	8.375%	-	8.572%	15 years
Details APR based on $850,000, 25% down; 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 Last Updated 10/14/2026 Rate History 1 change since Sep 15, 2026 · 7.69% → 8.57% ▲ 0.88 pts · high 8.57% / low 7.69% Oct 7, 20268.57%▲ from 7.69% Sep 15, 20267.69%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
30 Yr. Fixed Rate	7.75%	-	7.792%	30 years
Details Conforming Mortgage Rates; APR based on $350,000, 25% down; Minimum Down: 5% Last Updated 10/14/2026 Rate History 1 change since Sep 15, 2026 · 6.91% → 7.79% ▲ 0.88 pts · high 7.79% / low 6.91% Oct 7, 20267.79%▲ from 6.91% Sep 15, 20266.91%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
30 Yr. Fixed Rate	9.99%	-	10.13%	30 years
Details APR based on $850,000, 25% down; 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 Last Updated 10/14/2026 Rate History 1 change since Sep 15, 2026 · 9.38% → 10.13% ▲ 0.75 pts · high 10.13% / low 9.38% Oct 7, 202610.13%▲ from 9.38% Sep 15, 20269.38%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
HomeLine Line of Credit Advertised Rate	-	-	7.00%
Details Standard rate before discounts (automatic payment deduction, credit score of 750 or greater, minimum line of $50,000, LTV not to exceed 80%); variable rate based on WSJ Prime + 0.75%; not to exceed 18% APR; Monthly payment/$10,000: $109.45 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Community Impact Account	3.34%	-	3.39%
Min Deposit $2,500 Min Balance $0 Details Balance: $0 to $9,999 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.39% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Community Impact Account	3.34%	-	3.39%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000 to $24,999 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.39% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Community Impact Account	3.34%	-	3.39%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000 to $49,999 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.39% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Community Impact Account	3.34%	-	3.39%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 to $99,999 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.39% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Community Impact Account	3.34%	-	3.39%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 to $249,999 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.39% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Community Impact Account	3.34%	-	3.39%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000 to $499,999 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.39% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Community Impact Account	3.34%	-	3.39%
Min Deposit $2,500 Min Balance $500,000 Details Balance: $500,000 to $999,999 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.39% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%
Community Impact Account	3.34%	-	3.39%
Min Deposit $2,500 Min Balance $1,000,000 Details Balance: $1,000,000 and up Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.39% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.34%

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

The Ephrata National Bank’s Texas Ratio rose from 2.69% in Q3 2023 to 4.34% 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 4.9 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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	$2.4B	4.34%	5.0	A+
March 31, 2026	$2.4B	6.38%	5.0	A
December 31, 2025	$2.3B	4.73%	5.0	A+
September 30, 2025	$2.2B	5.22%	5.0	A+
June 30, 2025	$2.2B	6.42%	5.0	A
March 31, 2025	$2.2B	6.26%	5.0	A
December 31, 2024	$2.2B	7.13%	5.0	A
September 30, 2024	$2.1B	5.78%	5.0	A+
June 30, 2024	$2.0B	2.72%	5.0	A+
March 31, 2024	$2.0B	2.77%	5.0	A+
December 31, 2023	$2.0B	2.14%	5.0	A+
September 30, 2023	$1.9B	2.69%	4.9	A+

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 The Ephrata National Bank 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 The Ephrata National Bank 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 The Ephrata National Bank's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name The Ephrata National Bank

Website https://www.epnb.com

Address 31 E Main St, Ephrata, PA 17522 · Lancaster

Bank Holding Company HIBSHMAN TR EPHRATA NB STK

FDIC Certificate # 7493

Regulator OCC

Established March 17, 1881

FDIC Insurance Date January 1, 1934

Domestic Offices 23

Total Branches 23

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.34%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.0137%

Return on Equity (ROE)

11.1800%

Non-Performing Loans Ratio (NPL)

0.38%

Total Assets

$2,389,971,000

Total Deposits

$2,023,520,000

Equity Capital

$225,540,000

Net Income

$11,945,000

Headquarters

Ephrata

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

Q2 2026 MBR Health & Safety Badge

The Ephrata National Bank 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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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About The Ephrata National Bank

How many branches does The Ephrata National Bank operate?

The Ephrata National Bank currently maintains approximately 23 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, The Ephrata National Bank 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, The Ephrata National Bank provides members with tools to manage their accounts and build a solid financial history.

Does The Ephrata National Bank offer online and mobile banking?

Most modern institutions like The Ephrata National Bank 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.epnb.com.

Current The Ephrata National Bank Rates

12-Month CD1.15%
18-Month CD0.05%
24-Month CD1.15%
36-Month CD1.15%
48-Month CD1.15%
60-Month CD1.15%
MMA1.95%

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

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The Ephrata National Bank Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

The Ephrata National Bank Texas Ratio

The Ephrata National Bank Health Trend

The Ephrata National Bank CD Rates

The Ephrata National Bank Savings Rates

The Ephrata National Bank Money Market Rates

The Ephrata National Bank Mortgage Rates

The Ephrata National Bank Auto Loan Rates

The Ephrata National Bank Personal Loan Rates

The Ephrata National Bank Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

The Ephrata National Bank earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About The Ephrata National Bank

How many branches does The Ephrata National Bank operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does The Ephrata National Bank offer online and mobile banking?

Current The Ephrata National Bank Rates

Compare to Other Banks