# Ephrata National Bank CD rates

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.

Canonical page: https://apyledger.com/cd-rates/ephrata-national-bank
Institution: The Ephrata National Bank (FDIC 7493)
Aliases: 
Status: live
Last verified: 2026-10-22T16:21:56.000Z (October 22, 2026)
Official source: https://www.epnb.com/rates/
Coverage: 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.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Short Term CD | standard | 15 days | $2,500 | 0.05% | Not ZIP-priced | −4.08% | 2026-10-22T16:21:56.000Z | [Snapshot 341](https://apyledger.com/snapshots/341) |
| Short Term CD | standard | 15 days | $100,000 | 0.05% | Not ZIP-priced | −4.08% | 2026-10-22T16:21:56.000Z | [Snapshot 341](https://apyledger.com/snapshots/341) |
| 3 Month CD | standard | 3 months | $100,000 | 0.50% | Not ZIP-priced | −3.79% | 2026-10-22T16:21:56.000Z | [Snapshot 341](https://apyledger.com/snapshots/341) |
| 3 Month CD | standard | 3 months | $500 | 0.40% | Not ZIP-priced | −3.90% | 2026-10-22T16:21:56.000Z | [Snapshot 341](https://apyledger.com/snapshots/341) |
| 4-6 Month CD or IRA | standard | 4 months | $100,000 | 0.85% | Not ZIP-priced | −3.54% | 2026-10-22T16:21:56.000Z | [Snapshot 341](https://apyledger.com/snapshots/341) |
| 4-6 Month CD or IRA | standard | 4 months | $500 | 0.75% | Not ZIP-priced | −3.64% | 2026-10-22T16:21:56.000Z | [Snapshot 341](https://apyledger.com/snapshots/341) |
| 7-11 Month CD or IRA | standard | 7 months | $100,000 | 1.26% | Not ZIP-priced | −3.17% | 2026-10-22T16:21:56.000Z | [Snapshot 341](https://apyledger.com/snapshots/341) |
| 7-11 Month CD or IRA | standard | 7 months | $500 | 1.15% | Not ZIP-priced | −3.28% | 2026-10-22T16:21:56.000Z | [Snapshot 341](https://apyledger.com/snapshots/341) |
| 12-17 Month CD or IRA | standard | 12 months | $100,000 | 1.26% | Not ZIP-priced | −3.31% | 2026-10-22T16:21:56.000Z | [Snapshot 341](https://apyledger.com/snapshots/341) |
| 12-17 Month CD or IRA | standard | 12 months | $500 | 1.15% | Not ZIP-priced | −3.42% | 2026-10-22T16:21:56.000Z | [Snapshot 341](https://apyledger.com/snapshots/341) |
| 18-23 Month CD or IRA | standard | 18 months | $100,000 | 1.26% | Not ZIP-priced | −3.46% | 2026-10-22T16:21:56.000Z | [Snapshot 341](https://apyledger.com/snapshots/341) |
| 18-23 Month CD or IRA | standard | 18 months | $500 | 1.15% | Not ZIP-priced | −3.57% | 2026-10-22T16:21:56.000Z | [Snapshot 341](https://apyledger.com/snapshots/341) |
| 24-29 Month CD or IRA | standard | 24 months | $100,000 | 1.26% | Not ZIP-priced | −3.61% | 2026-10-22T16:21:56.000Z | [Snapshot 341](https://apyledger.com/snapshots/341) |
| 24-29 Month CD or IRA | standard | 24 months | $500 | 1.15% | Not ZIP-priced | −3.72% | 2026-10-22T16:21:56.000Z | [Snapshot 341](https://apyledger.com/snapshots/341) |
| 30-35 Month CD or IRA | standard | 30 months | $100,000 | 1.26% | Not ZIP-priced | −3.65% | 2026-10-22T16:21:56.000Z | [Snapshot 341](https://apyledger.com/snapshots/341) |
| 30-35 Month CD or IRA | standard | 30 months | $500 | 1.15% | Not ZIP-priced | −3.76% | 2026-10-22T16:21:56.000Z | [Snapshot 341](https://apyledger.com/snapshots/341) |
| 36-47 Month CD or IRA | standard | 36 months | $100,000 | 1.26% | Not ZIP-priced | −3.69% | 2026-10-22T16:21:56.000Z | [Snapshot 341](https://apyledger.com/snapshots/341) |
| 36-47 Month CD or IRA | standard | 36 months | $500 | 1.15% | Not ZIP-priced | −3.80% | 2026-10-22T16:21:56.000Z | [Snapshot 341](https://apyledger.com/snapshots/341) |
| 48-59 Month CD or IRA | standard | 48 months | $100,000 | 1.26% | Not ZIP-priced | −3.72% | 2026-10-22T16:21:56.000Z | [Snapshot 341](https://apyledger.com/snapshots/341) |
| 48-59 Month CD or IRA | standard | 48 months | $500 | 1.15% | Not ZIP-priced | −3.83% | 2026-10-22T16:21:56.000Z | [Snapshot 341](https://apyledger.com/snapshots/341) |
| 60 Month CD or IRA | standard | 60 months | $100,000 | 1.26% | Not ZIP-priced | −3.75% | 2026-10-22T16:21:56.000Z | [Snapshot 341](https://apyledger.com/snapshots/341) |
| 60 Month CD or IRA | standard | 60 months | $500 | 1.15% | Not ZIP-priced | −3.86% | 2026-10-22T16:21:56.000Z | [Snapshot 341](https://apyledger.com/snapshots/341) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.