Ephrata, Pennsylvania (PA) Savings Rates - March 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best savings rates for Ephrata, Pennsylvania and the surrounding area include Everence Federal Credit UnionEverence Federal Credit Union1021 Sharp Ave, Ephrata, PA 17522A5.0 ★Texas Ratio: 8.68% Youth savings at 5.00% APY, PNC BankPNC Bank280 N Reading Rd, Ephrata, PA 17522A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY, Lanco Federal Credit UnionLanco Federal Credit Union4213 Oregon Pike, Ephrata, PA 17522A5.0 ★Texas Ratio: 12.16% Money Market Savings Account at 2.75% APY, Members 1st Federal Credit Union Enola, PAMembers 1st Federal Credit Union Enola, PA836 E Main St, Ephrata, PA 17522 2562A+5.0 ★Texas Ratio: 5.20% Health Savings Account at 0.35% APY, and Jonestown Bank and Trust CompanyJonestown Bank and Trust Company1001 Sharp Ave, Ephrata, PA 17522A+5.0 ★Texas Ratio: 1.26% Young Investor Savings at 0.10% APY. Savings rates as of March 29, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Ephrata, Pennsylvania, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Ephrata, Pennsylvania (PA) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Ephrata, Pennsylvania and the surrounding area. Last Updated and Verified: March 29, 2026
Compare the Best Savings Rates in Ephrata, Pennsylvania & Surrounding Communities
Qualifying balance up to $1,000.00
Qualifying balance up to $1,000.00
Qualifications Required: personal checking account; debit card; Qualifying balance up to $5,000.00
$14,999.01 +
$4,999.01 - $14,999
$999.01 - $4,999
$100 - $999
Qualifying balance up to $500.00
Qualifying balance up to $1,000.00
Qualifying balance up to $1,000.00
Qualifications Required; Qualifying balance up to $10,000.00
Qualifications Required; Qualifying balance up to $10,000.00
Qualifying balance up to $500.00
Intro rate subject to change
Minimum of $5,000 not currently deposited at Huntington.
This rate will adjust to always be the midpoint of Fed Funds Target Range minus 0.15% which is currently 3.63% - 0.15% for an APY* of 3.48%. Applicable for consumers only. Fees could reduce earnings on the account. Offer may be withdrawn at any time. Debit card and checks are not available on this account. Available online only.
High Yield Savings up to 3.35% APY; No fees; No fixed term; Insured up to $500,000 (NCUA - $250,000) and (Excess Share Insurance - $250,000); Each member can have multiple iSAVE accounts
over current rate account is earning
$5 monthly maintenance fee waived when average daily balance requirement is met; Optional internet banking access at no additional cost; Manage your savings effortlessly from your smartphone or computer, with 24/7 online access; Move funds smoothly between accounts and automate your savings goals for effortless financial growth; Online Only
Qualifying balance up to $1,000,000
$25,000
Minimum of $5,000 not currently deposited at Huntington.
$5 monthly maintenance fee waived when average daily balance requirement is met; Optional internet banking access at no additional cost; Manage your savings effortlessly from your smartphone or computer, with 24/7 online access; Move funds smoothly between accounts and automate your savings goals for effortless financial growth; Online Only
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Ephrata, PA Savings Rate Trends
Compare local Ephrata, PA savings rate quotes against the statewide average
Weekly savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Pennsylvania high-yield savings rates rose 0.802 points this week to 2.065% APY, up from 1.264% last week.
Pennsylvania standard savings rates fell 0.119 points this week to 0.354% APY, down from 0.472% last week.
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Ephrata, Pennsylvania directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every savings rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Ephrata, Pennsylvania. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to large national institutions available to savers in PA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in Ephrata, Pennsylvania
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Ephrata, Pennsylvania safe?
How often do savings rates change in Ephrata, Pennsylvania?
Do I need a minimum deposit to open a savings account?
What is the difference between a Savings Account and a Money Market Account?
Are online banks better than local banks in Ephrata, Pennsylvania?
How do I open a savings account in Ephrata, Pennsylvania?
Best Savings Rates in Ephrata, Pennsylvania
- Everence Federal Credit Union
Youth savings — 5.00% APY - PNC Bank
PNC High Yield Savings® — 3.25% APY - Lanco Federal Credit Union
Money Market Savings Account — 2.75% APY - Members 1st Federal Credit Union Enola, PA
Health Savings Account — 0.35% APY - Jonestown Bank and Trust Company
Young Investor Savings — 0.10% APY
