Bank · FDIC insured
Embassy Bank CD Rates
Embassy Bank’s best CD rate is 4.00% APY on a 13-month CD. Terms run from 1 month to 5 years. Rates checked October 16, 2026.
How Embassy Bank’s CD rates compare
Compared with banks and credit unions near Allentown, PA-NJ, where Embassy Bank has the most branches. $10,000, best rate first.
This bank’s best
Embassy Bank
4.00%APY
- Term
- 13 months
- Minimum
- $500
- Earns on $10,000
- $434
Certificate of Deposit
Top rate
First Northern Bank and Trust
4.73%APY
- Term
- 24 months
- Minimum
- $5,000
- Earns on $10,000
- $968
2nd-highest rate
Unity Bank
4.40%APY
- Term
- 18 months
- Minimum
- $1,000
- Earns on $10,000
- $667
Embassy Bank CD score
82
CD score
Higher than 59% of U.S. banks and credit unions
- 3–8 months3–8 mo3.80%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.60%
- 31–60 months31–60 mo0.40%
- QualifiedQualified4.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Embassy Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit
Up to 4.00%APY · 13 terms
Minimum daily balance of $500 to earn APY. $500 minimum to open. Automatically renewable. Early withdrawal penalty may apply and reduce earnings. Interest compounded daily.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| UnknownTerm is 7 Days | 0.10% | $0 |
| 1–3 monthsTerm is 30 - 90 Days | 0.10% | $1 |
| 4–8 months | 0.10% | $3 |
| 7 monthsPromotional Rates apply only to newly-opened Promotional Certificates of Deposit. For rollover CDs, refer to non-promotional rates | 3.80% | $220 |
| 9–11 months | 0.10% | $7 |
| 12–17 months | 0.25% | $25 |
| 13 monthsPromotional Rates apply only to newly-opened Promotional Certificates of Deposit. For rollover CDs, refer to non-promotional rates | 4.00% | $434 |
| 18–22 months | 0.25% | $38 |
| 23 monthsPromotional Rates apply only to newly-opened Promotional Certificates of Deposit. For rollover CDs, refer to non-promotional rates | 3.60% | $701 |
| 24–35 months | 0.25% | $50 |
| 36–47 monthsWith an Embassy Supersize 36-month CD, if interest rates rise after opening, you may increase the interest rate and APY one time during the life of the account | 0.25% | $75 |
| 48–59 months | 0.25% | $100 |
| 60 months | 0.40% | $202 |
Sources (2)
All captured Sep 26, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 4.00%APY · 11 terms
Available as Traditional or Roth IRA. Minimum daily balance of $500 to earn APY. $500 to get started. Daily compounded interest and automatic renewals. Early withdrawal penalty may apply. Fees could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6–8 months | 0.10% | $5 |
| 7 monthsPromotional Rates apply only to newly-opened Promotional Certificates of Deposit. For rollover CDs, refer to non-promotional rates | 3.80% | $220 |
| 9–11 months | 0.10% | $7 |
| 12–17 months | 0.25% | $25 |
| 13 monthsPromotional Rates apply only to newly-opened Promotional Certificates of Deposit. For rollover CDs, refer to non-promotional rates | 4.00% | $434 |
| 18–22 months | 0.25% | $38 |
| 23 monthsPromotional Rates apply only to newly-opened Promotional Certificates of Deposit. For rollover CDs, refer to non-promotional rates | 3.60% | $701 |
| 24–35 months | 0.25% | $50 |
| 36–47 monthsWith an Embassy Supersize 36-month IRA CD, if interest rates rise after opening, you may increase the interest rate and APY once during the term | 0.25% | $75 |
| 48–59 months | 0.25% | $100 |
| 60 months | 0.40% | $202 |
Sources (2)
All captured Sep 26, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.