Bank · FDIC insured
Ephrata National Bank Savings Rates
Ephrata National Bank’s best savings rate is 3.39% APY on $10,000, with its Community Impact Account. Rates checked October 16, 2026.
How Ephrata National Bank’s savings rates compare
Compared with banks and credit unions near Lancaster, PA, where Ephrata National Bank has the most branches. $10,000, best rate first.
This bank’s best
Ephrata National Bank
3.39%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $339
Community Impact Account
Top rate
Northwest Bank
4.00%APY
- Minimum
- $1
- Earns on $10,000 a year
- $400
2nd-highest rate
Univest
3.75%APY
- Minimum
- —
- Earns on $10,000 a year
- $375
Ephrata National Bank savings score
69
Savings score
Higher than 23% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.20%
- $100,000 balance$100,0000.85%
- QualifiedQualified0.20%
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 Ephrata National Bank ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Community Impact Account
3.39%APY
Formerly known as Community Funds Money Market (name changed on May 3, 2023). A $2,500 minimum balance is required to avoid the monthly maintenance fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $9,999$2,500 minimum balance required to avoid the monthly maintenance fee. | 3.39% | — | $2,500 minimum balance required to avoid the monthly maintenance fee. |
| $10,000 – $24,999$2,500 minimum balance required to avoid the monthly maintenance fee. | 3.39% | $339 | $2,500 minimum balance required to avoid the monthly maintenance fee. |
| $25,000 – $49,999$2,500 minimum balance required to avoid the monthly maintenance fee. | 3.39% | — | $2,500 minimum balance required to avoid the monthly maintenance fee. |
| $50,000 – $99,999$2,500 minimum balance required to avoid the monthly maintenance fee. | 3.39% | — | $2,500 minimum balance required to avoid the monthly maintenance fee. |
| $100,000 – $249,999$2,500 minimum balance required to avoid the monthly maintenance fee. | 3.39% | — | $2,500 minimum balance required to avoid the monthly maintenance fee. |
| $250,000 – $499,999$2,500 minimum balance required to avoid the monthly maintenance fee. | 3.39% | — | $2,500 minimum balance required to avoid the monthly maintenance fee. |
| $500,000 – $999,999$2,500 minimum balance required to avoid the monthly maintenance fee. | 3.39% | — | $2,500 minimum balance required to avoid the monthly maintenance fee. |
| $1,000,000 and up$2,500 minimum balance required to avoid the monthly maintenance fee. | 3.39% | — | $2,500 minimum balance required to avoid the monthly maintenance fee. |
Sources (1)
- epnb.com/rates · captured Sep 17, 2026
Personal Money Market
0.20%APY
A $2,500 minimum balance is required to avoid the monthly maintenance fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $9,999$2,500 minimum balance required to avoid monthly maintenance fee. | 0.10% | — | $2,500 minimum balance required to avoid monthly maintenance fee. |
| $10,000 – $24,999$2,500 minimum balance required to avoid monthly maintenance fee. | 0.20% | $20 | $2,500 minimum balance required to avoid monthly maintenance fee. |
| $25,000 – $49,999$2,500 minimum balance required to avoid monthly maintenance fee. | 0.30% | — | $2,500 minimum balance required to avoid monthly maintenance fee. |
| $50,000 – $99,999$2,500 minimum balance required to avoid monthly maintenance fee. | 0.85% | — | $2,500 minimum balance required to avoid monthly maintenance fee. |
| $100,000 – $249,999$2,500 minimum balance required to avoid monthly maintenance fee. | 0.85% | — | $2,500 minimum balance required to avoid monthly maintenance fee. |
| $250,000 – $499,999$2,500 minimum balance required to avoid monthly maintenance fee. | 1.04% | — | $2,500 minimum balance required to avoid monthly maintenance fee. |
| $500,000 – $999,999$2,500 minimum balance required to avoid monthly maintenance fee. | 1.04% | — | $2,500 minimum balance required to avoid monthly maintenance fee. |
| $1,000,000 and up$2,500 minimum balance required to avoid monthly maintenance fee. | 1.95% | — | $2,500 minimum balance required to avoid monthly maintenance fee. |
Statement Savings
0.05%APY
Automatic transfers from an ENB checking account available. Subject to $5 monthly maintenance fee unless minimum balance requirement is met.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$5 monthly maintenance fee is waived with a $100 minimum balance. $0 minimum amount to earn interest. Fees may reduce earnings.Any balance | 0.05% | $5 | $5 monthly maintenance fee is waived with a $100 minimum balance. $0 minimum amount to earn interest. Fees may reduce earnings. |
Special-purpose accounts
ENB Super Saver
0.05%APY
Super Saver Club Membership and benefits are limited to children ages 12 and under. Includes piggy bank at account opening, choice of activity/coloring book, gift with deposit of $10 or more or full piggy bank (child must be present except newborns/infants), and annual birthday card.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance to maintain. Minimum amount to earn interest is $0. Fees may reduce earnings. Limited to children ages 12 and under.Any balance | 0.05% | $5 | No minimum balance to maintain. Minimum amount to earn interest is $0. Fees may reduce earnings. Limited to children ages 12 and under. |
EZSave Club
0.05%APY
Automatic monthly transfers from an ENB checking account help set funds aside; customer selects the 1st or 15th of any month for transfer back to checking.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upMinimum amount to open and earn interest is $1 with no minimum balance worries. Fees may reduce earnings.$1 and up | 0.05% | $5 | Minimum amount to open and earn interest is $1 with no minimum balance worries. Fees may reduce earnings. |
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.