CD/IRA customers from Ephrata National Bank

Certificates of Deposit & IRAs

Earning guaranteed interest is an important part of any investment portfolio. Certificates of Deposit (CDs) can be a smart choice because they offer higher interest earnings and a low-risk savings strategy while typically returning higher rates of interest than savings or money market deposit accounts.

At ENB, you can choose from a variety of competitive, high-yield CDs to help you reach your financial goals. Our CDs come in flexible terms ranging from 15 days to 5 years.

Many ENB CDs can also be designated as IRAs (Individual Retirement Account). IRAs let you make tax-deferred investments for added financial security when you retire. Consult with your tax advisor for details on the various tax benefits of IRAs.

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Certificate of Deposit Rates

Available Terms

Requirements & Ranges

Interest Rate

APY*

Available Terms: Short Term CD (15-90 Days)

Requirements & Ranges: $2,500 min. to open

Interest Rate: 0.05%

APY*: 0.05%

Available Terms: Short Term CD (15-90 Days)

Requirements & Ranges: $100,000 and up

Interest Rate: 0.10%

APY*: 0.10%

Available Terms: 3 month CD

Requirements & Ranges: $500 min. to open

Interest Rate: 0.45%

APY*: 0.45%

Available Terms: 3 month CD

Requirements & Ranges: $100,000 and up

Interest Rate: 0.55%

APY*: 0.55%

Available Terms: 4-6 Month CD

Requirements & Ranges: $500 min. to open

Interest Rate: 0.80%

APY*: 0.80%

Available Terms: 4-6 Month CD

Requirements & Ranges: $100,000 and up

Interest Rate: 0.90%

APY*: 0.90%

Available Terms: 7-11 Month CD

Requirements & Ranges: $500 min. to open

Interest Rate: 1.20%

APY*: 1.21%

Available Terms: 7-11 Month CD

Requirements & Ranges: $100,000 and up

Interest Rate: 1.30%

APY*: 1.31%

Available Terms: 6-11 Month IRA

Requirements & Ranges: $500 min. to open

Interest Rate: 1.20%

APY*: 1.21%

Available Terms: 6-11 Month IRA

Requirements & Ranges: $100,000 and up

Interest Rate: 1.30%

APY*: 1.31%

Available Terms: 9 Month CD & IRA

Requirements & Ranges: $5,000 min. to open

Interest Rate: 3.94%

APY*: 4.00%

Available Terms: 12-17 Month CD & IRA

Requirements & Ranges: $500 min. to open

Interest Rate: 1.20%

APY*: 1.21%

Available Terms: 12-17 Month CD & IRA

Requirements & Ranges: $100,000 and up

Interest Rate: 1.30%

APY*: 1.31%

Available Terms: 13 Month CD or IRA

Requirements & Ranges: $5,000 min. to open

Interest Rate: 3.70%

APY*: 3.75%

Available Terms: 18-23 Month CD & IRA

Requirements & Ranges: $500 min. to open

Interest Rate: 1.20%

APY*: 1.26%

Available Terms: 18-23 Month CD & IRA

Requirements & Ranges: $100,000 and up

Interest Rate: 1.30%

APY*: 1.31%

Available Terms: 24-29 Month CD & IRA

Requirements & Ranges: $500 min. to open

Interest Rate: 1.20%

APY*: 1.21%

Available Terms: 24-29 Month CD & IRA

Requirements & Ranges: $100,000 and up

Interest Rate: 1.30%

APY*: 1.31%

Available Terms: 30-35 Month CD & IRA

Requirements & Ranges: $500 min. to open

Interest Rate: 1.20%

APY*: 1.21%

Available Terms: 30-35 Month CD & IRA

Requirements & Ranges: $100,000 and up

Interest Rate: 1.30%

APY*: 1.31%

Available Terms: 36-47 Month CD & IRA

Requirements & Ranges: $500 min. to open

Interest Rate: 1.20%

APY*: 1.21%

Available Terms: 36-47 Month CD & IRA

Requirements & Ranges: $100,000 and up

Interest Rate: 1.30%

APY*: 1.31%

Available Terms: 48-59 Month CD & IRA

Requirements & Ranges: $500 min. to open

Interest Rate: 1.20%

APY*: 1.21%

Available Terms: 48-59 Month CD & IRA

Requirements & Ranges: $100,000 and up

Interest Rate: 1.30%

APY*: 1.31%

Available Terms: 60 Month CD & IRA

Requirements & Ranges: $500 min. to open

Interest Rate: 1.20%

APY*: 1.21%

Available Terms: 60 Month CD & IRA

Requirements & Ranges: $100,000 and up

Interest Rate: 1.30%

APY*: 1.31%

Available Terms: Flex IRA CD** (18 month term)

Requirements & Ranges: $10 min. to open

Interest Rate: 0.05%

APY*: 0.05%

Contact us and we’ll answer your questions.

*Annual Percentage Yield. APY assumes interest remains on deposit until maturity. Fees may reduce earnings. Rates are effective as of November 18, 2024 and are subject to change without notice. Penalties assessed on early withdrawals. **Unlimited deposits are permitted during the CD term. One penalty-free withdrawal is permitted every 30 days (certain restrictions apply). Bank penalties will be assessed if the account transfer or withdrawal occurs within seven (7) business days of a prior account transfer or withdrawal. Applicable IRS penalties will still apply. When the account reaches $500, a penalty-free transfer to a fixed-rate IRA CD is permitted.