Ephrata National Bank CD Rates — October 2026
As of October 22, 2026, Ephrata National Bank's highest tracked CD rate is 1.26% APY on a 7-month CD ($100,000 minimum). That is about the same as the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 0.05% to 1.26% APY.
Tracking began .
Ephrata National Bank CD rates
Published CD rates with $500 (short-term $2,500) and $100,000 balance tiers; term ranges are shown at their lower bound. Contact a Community Banking Office for 13-month specials. The Flex IRA CD is excluded. Early withdrawal penalties may apply.
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are Ephrata National Bank's best CD rates by term?
Ephrata National Bank's best rate is 1.26% APY on 7 months, verified October 22, 2026.
- 15 days0.05%
- 3 mo0.50%
- 4 mo0.85%
- 7 mo1.26%
- 12 mo1.26%
- 18 mo1.26%
- 24 mo1.26%
- 30 mo1.26%
- 36 mo1.26%
- 48 mo1.26%
- 60 mo1.26%
How much interest could a Ephrata National Bank CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$66.95 interest · $10,066.95 at maturity on $10,000.00.
1.15% APY · 7 months · 7-11 Month CD or IRA · Standard · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 15 days | $0.100.05% APY · Short Term CD · Standard | $0.210.05% APY · Short Term CD · Standard | $0.510.05% APY · Short Term CD · Standard | $1.030.05% APY · Short Term CD · Standard |
| 3 months | $4.980.40% APY · 3 Month CD · Standard | $9.960.40% APY · 3 Month CD · Standard | $24.890.40% APY · 3 Month CD · Standard | $49.790.40% APY · 3 Month CD · Standard |
| 4 months | $12.500.75% APY · 4-6 Month CD or IRA · Standard | $25.010.75% APY · 4-6 Month CD or IRA · Standard | $62.520.75% APY · 4-6 Month CD or IRA · Standard | $125.030.75% APY · 4-6 Month CD or IRA · Standard |
| 7 months | $33.471.15% APY · 7-11 Month CD or IRA · Standard | $66.951.15% APY · 7-11 Month CD or IRA · Standard | $167.371.15% APY · 7-11 Month CD or IRA · Standard | $334.751.15% APY · 7-11 Month CD or IRA · Standard |
| 12 months | $57.501.15% APY · 12-17 Month CD or IRA · Standard | $115.001.15% APY · 12-17 Month CD or IRA · Standard | $287.501.15% APY · 12-17 Month CD or IRA · Standard | $575.001.15% APY · 12-17 Month CD or IRA · Standard |
| 18 months | $86.581.15% APY · 18-23 Month CD or IRA · Standard | $173.151.15% APY · 18-23 Month CD or IRA · Standard | $432.891.15% APY · 18-23 Month CD or IRA · Standard | $865.771.15% APY · 18-23 Month CD or IRA · Standard |
| 24 months | $115.661.15% APY · 24-29 Month CD or IRA · Standard | $231.321.15% APY · 24-29 Month CD or IRA · Standard | $578.311.15% APY · 24-29 Month CD or IRA · Standard | $1,156.611.15% APY · 24-29 Month CD or IRA · Standard |
| 30 months | $145.071.15% APY · 30-35 Month CD or IRA · Standard | $290.151.15% APY · 30-35 Month CD or IRA · Standard | $725.361.15% APY · 30-35 Month CD or IRA · Standard | $1,450.731.15% APY · 30-35 Month CD or IRA · Standard |
| 36 months | $174.491.15% APY · 36-47 Month CD or IRA · Standard | $348.981.15% APY · 36-47 Month CD or IRA · Standard | $872.461.15% APY · 36-47 Month CD or IRA · Standard | $1,744.911.15% APY · 36-47 Month CD or IRA · Standard |
| 48 months | $234.001.15% APY · 48-59 Month CD or IRA · Standard | $468.001.15% APY · 48-59 Month CD or IRA · Standard | $1,169.991.15% APY · 48-59 Month CD or IRA · Standard | $2,339.981.15% APY · 48-59 Month CD or IRA · Standard |
| 60 months | $294.191.15% APY · 60 Month CD or IRA · Standard | $588.381.15% APY · 60 Month CD or IRA · Standard | $1,470.941.15% APY · 60 Month CD or IRA · Standard | $2,941.891.15% APY · 60 Month CD or IRA · Standard |
How Ephrata National Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 213-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 62 of 63 tracked institutions with fresh 213-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| Ephrata National Bank (this institution)7-11 Month CD or IRA · Standard | 7 months | $100,000 | Coverage: MD, PA | 1.26% | October 22, 2026 |
| WSFS BankFixed Rate CD · Promotional | 7 months | $2,500 | Coverage: DE, NJ, PA | 4.25% | October 22, 2026 |
| United Federal Credit Union7 Month Special Share Certificate · Relationship | 7 months | $500 | Coverage: AR, IN, MI, NC, NV, OH, PA | 4.10% | October 22, 2026 |
| Atlantic Union Bank7-Month CD · Promotional | 7 months | $1,000 | Coverage: DC, MD, NC, VA | 4.00% | October 22, 2026 |
| First Bank of the Lake (highest tracked APY for this term)CD · Standard | 7 months | $1,000 | Coverage: MO | 4.55% | October 22, 2026 |
| Treasury (APY-equivalent) | 7 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.43% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Ephrata National Bank on October 22, 2026.
About Ephrata National Bank
- Legal name
- The Ephrata National Bank
- Regulator ID
- FDIC 7493
- Headquarters
- Ephrata, PA
- Available in
- MD, PA
- Total assets
- $2.4 billion
- Also known as
- Website
- www.epnb.com
Source: rates read from https://www.epnb.com/rates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at Ephrata National Bank?
Among the rates we track, 1.26% APY on a 7-month CD, as of October 22, 2026.
What is the minimum deposit for a Ephrata National Bank CD?
The lowest minimum we found is $500; jumbo and higher balance tiers start at up to $100,000.
How does Ephrata National Bank's best CD rate compare with Treasury yields?
1.26% APY is −3.17% versus the 7-month Treasury yield of 4.43% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 1.26% a good CD rate?
It is 0.9 times the FDIC national average for a similar term (1.39% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Ephrata National Bank CDs insured?
Ephrata National Bank is an FDIC-insured bank (FDIC 7493). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Ephrata National Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Ephrata National Bank's website and may change at any time. Confirm terms, minimums and eligibility with Ephrata National Bank before opening an account. This page is not financial advice.