Deposit & Savings Interest Rates

Deposit Rates as of July 1, 2008

   
CD Rates
Penalties are assessed on early withdrawals.
Interest Rate
APY*
Short Term CD (15-90 Days)
$2,500 Min. to open
                                             $100,000 and up

1.85%
2.00%

1.85%
2.00%
91 Day CD (3 Months)
$500 Min. to open
$100,000 and up

1.84%
1.99%

1.85%
2.00%
182 Day CD& IRA (6 Months)
$500 Min. to open
$100,000 and up
1.99%
2.14%
2.00%
2.16%
9 Month CD
$500 Min. to open
$100,000 and up

2.13%
2.28%

2.15%
2.30%
1 Year CD& IRA
$500 Min. to open
$100,000 and up

2.48%
2.63%

2.50%
2.66%
18 Month CD& IRA
$500 Min. to open
$100,000 and up

2.48%
2.63%

2.50%
2.66%
 2 Year CD& IRA
$500 Min. to open
$100,000 and up

2.62%
2.77%

2.65%
2.80%
2½ Year CD& IRA
$500 Min. to open
$100,000 and up

2.72%
2.87%

2.75%
2.90%
3 Year CD& IRA
$500 Min. to open
$100,000 and up

2.72%
2.87%

2.75%
2.90%
4 Year CD& IRA
$500 Min. to open
$100,000 and up

2.97%
3.12%

3.00%
3.16%
5 Year CD& IRA
$500 Min. to open
$100,000 and up

3.21%
3.36%

3.25%
3.40%
IRA Variable Rate CD
This CD has an 18-month term during which you can add or transfer funds to the CD.
Once the CD accumulates $500, you can convert it to a fixed-rate IRA CD
for the term of your choice without penalty.
$10 Min. to open




1.99%





2.00%

Personal Money Market Account 
$2,500 Min. to open
Interest
Rate
APY*
$0 to $9,999
$10,000 to $24,999
     $25,000 to $49,999
$50,000 to $99,999
$100,000 to $249,999
$250,000 to $999,999
$1,000,000 and up
.70%
.80%
.90%
.90%
1.05%
1.50%
1.85%
.70%
.80%
.90%
.90%
1.05%
1.51%
1.86%
Interest Checking
$1,000 Min. to open
Interest
Rate
APY*
$0 to $49,999
$50,000 to $99,999
$100,000 to $249,999
$250,000 to $499,999
$500,000 and up
.40%
.55%
.70%
1.20%
1.35%
.40%
.55%
.70%
1.20%
1.36%
Statement Savings
$100 Min. to open
(Custodian Savings - $25.00 Min. to open)
Interest
Rate
APY*
 
.40%
.40%
Club Accounts
Penalties are assessed on early withdrawals.
$1 Min. to open
Interest
Rate
APY*
Christmas Club
Automatic transfer required from ENB deposit account
1.00%
1.00%
Vacation Club
Automatic transfer required from ENB deposit account
.90%
.90%
Community Fund
Available for non-profit businesses
Interest
Rate
APY*
  Rates available by calling
717-733-4181.

*APY is the annual percentage yield. Rates subject to change without notice. Fees may reduce earnings.


**Must open a new IRA CD with a $500 minimum deposit to earn APY. APY assumes interest remains on deposit until maturity. Early withdrawal penalties will apply.
Ephrata National Bank, Member FDIC

31 East Main Street, Ephrata, PA 17522     Local Calls: 717.733.4181 - Toll Free: 1.877.773.6605
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