Credit Cards Designed for You
Choose from a variety of credit cards tailored to meet your unique needs. With an ENB credit card, get flexible spending options, tools to protect your card, and a local team ready to answer your questions.
See How Your Credit Stacks Up
Wondering how long it could take to pay down your credit card balance? Use our payment calculator to get a quick estimate and see how different payment amounts can help you reach your goal sooner.
Personal Loans
Life comes with surprises – some exciting, some unexpected. Whether you’re consolidating debt, covering an unplanned expense, or finally starting that home project, a personal loan or line of credit from Ephrata National Bank can help you move forward with confidence. Our local team will walk you through your options and help you find a loan that fits your budget and timeline.
Financial Know-How Starts Here
From helping you manage your budget to saving for big moments, our team has you covered.
Credit Card FAQs
Think about your spending habits and financial goals. If you’re focused on earning rewards on everyday purchases, look for a card that offers cash back or points on the categories where you spend most – like groceries, gas, or dining. If you’re working to build or rebuild your credit, a card with a lower credit limit and straightforward terms might be the best starting point. And if you’re carrying a balance, prioritize a card with a competitive interest rate over rewards features. Our ENB team is here to help you find the right fit – stop by any branch or give us a call to discuss which credit card aligns with your spending style and financial situation.
Yes! Your ENB credit card is 100% protected from fraud and theft, meaning you’re never responsible for fraudulent transactions. Our customer service line is open 24/7 all year round to support you in the event of a fraudulent transaction or stolen card.
This depends on the type of credit card you apply for. Some credit cards, like the Zero+ Card, lock in rates for a certain amount of time while others will have variable rates based on factors such as the applicant’s credit score and history.
Yes, ENB credit cards may offer balance transfer options to help you consolidate higher-interest debt and potentially save on interest charges. Balance transfer availability and terms depend on your creditworthiness and the specific card you’re approved for. To learn more about balance transfer rates, fees, and how much you could save by consolidating your debt with an ENB credit card, contact us directly or visit your nearest branch. Our team can walk you through the process and help you determine if a balance transfer is the right move for your financial situation.
Depending on which credit card you choose, you’ll earn reward points for purchases that can be used on travel, shopping, and even paying down your balance. Each card offers different reward points for purchases including travel, dining, gas, and grocery store purchases.
Activating your card is as simple as calling the number on the back of your card and providing answers to the security questions asked during the call. Making your first purchase is that simple!
APR (Annual Percentage Rate) is the yearly cost of borrowing on your credit card, shown as a percentage. Our credit cards have different APRs for purchases, balance transfers, and cash advances based upon the card you select. Interest begins accruing if your bill is not completely paid off by the end of the due date.
A balance transfer lets you move a balance from another credit card to your Ephrata National Bank credit card. This can help you manage payments in one place. You may be able to lower the interest you pay and simplify your monthly payments. We’re here to help you review your options and see what fits your needs.
- *Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply. The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
