A mother and father with two children

Secured Loan

Your home is not the only collateral you can use to lower your interest rate at Ephrata National Bank. If you have an ENB Certificate of Deposit, you can use it to secure a personal loan with us.

  • Low fixed rate
  • Low monthly payment
  • Low minimum amount to borrow
  • Fixed monthly payment
  • 12 to 60 month repayment terms
  • .50% discount with automatic payment from an ENB Checking Account
Amount3,4,5
Term
APR1
Monthly Payment/$10,0002
Max. LTV
Amount3,4,5: $500 – $24,999
Term: 60 Mo.
APR1: 4.50%6
Monthly Payment/$10,0002: $186.44
Max. LTV: 100%
Amount3,4,5: $25,000 – $49,999
Term: 60 Mo.
APR1: 4.38%7
Monthly Payment/$10,0002: $185.87
Max. LTV: 100%
Amount3,4,5: $50,000 and greater
Term: 60 Mo.
APR1: 4.25%8
Monthly Payment/$10,0002: $185.30
Max. LTV: 100%
Contact us and we’ll answer your questions.

1APR = Annual Percentage Rate. Effective September 8, 2020 rates are subject to change and special offers may be discontinued without notice. Subject to credit approval. Standard underwriting criteria apply. 2Monthly payments will vary based on amount borrowed and term. Any projected payments do not include amounts for taxes and insurance premiums, if applicable; the actual payment obligation will be greater. 3Automatic payment deduction required from an Ephrata National Bank deposit account to receive published discounted rate. Rates could be higher if deposit account activity does not support automatic payment. 4Other rates are possible, subject to credit score, loan amount, payment terms, and debt to income ratio. 5APR is equal to the greater of the following: the listed rate above or 1% above the rate being paid on the CD. 6The advertised rate is our base rate of 5.00% with the following discounts: a) a credit score of 700 or greater, b) automatic payment deduction from an ENB deposit account, and c) a maximum debt to income ratio of 45%. 7The advertised rate is our base rate of 4.875% with the following discounts: a) a credit score of 700 or greater, b) automatic payment deduction from an ENB deposit account, and c) a maximum debt to income ratio of 45%. 8The advertised rate is our base rate of 4.75% with the following discounts: a) a credit score of 700 or greater, b) automatic payment deduction from an ENB deposit account, and c) a maximum debt to income ratio of 45%. Ephrata National Bank, Member FDIC. Equal Housing Lender.