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Deposit & Savings Interest Rates

Deposit Rates as of December 28, 2011

CD Rates
Penalties are assessed on early withdrawals. Interest Rate APY*

Short Term CD (15-90 Days)
$2,500 min. to open

$100,000 and up

0.15%
0.25%
0.15%
0.25%
91 Day CD (3 Months)
$500 min. to open

$100,000 and up

0.15%
0.25%
0.15%
0.25%
182 Day CD& IRA (6 Months)
$500 min. to open

$100,000 and up
0.20%
0.30% 0.20%
0.30%
9 Month CD
$500 min. to open

$100,000 and up

0.30%
0.40%
0.30%
0.40%

1 Year CD & IRA
$500 min. to open

$100,000 and up

0.40%
0.50%
0.40%
0.50%

18 Month CD & IRA
$500 min. to open

$100,000 and up

0.60%
0.70%
0.60%
0.70%

2 Year CD & IRA
$500 min. to open

$100,000 and up

0.65%
0.75%
0.65%
0.75%

2½ Year CD & IRA
$500 min. to open

$100,000 and up

0.85%
0.95%
0.85%
0.95%

3 Year CD & IRA
$500 min. to open

$100,000 and up

0.90%
1.00%
0.90%
1.00%

4 Year CD & IRA
$500 min. to open

$100,000 and up

1.39%
1.49%
1.40%
1.50%

5 Year CD & IRA
$500 min. to open

$100,000 and up

1.74%
1.84%
1.75%
1.85%

Flex IRA CD (18 month term)
Unlimited deposits are permitted during the CD term.
One penalty-free withdrawal** every 30 days is permitted.
When the account reaches $500, a penalty-free transfer**
to a fixed-rate IRA CD is permitted.
$10 min. to open

0.20%

0.20%

Personal Money Market Account
$2,500 min. to open
Interest
Rate APY*

$0 to $9,999
$10,000 to $24,999
$25,000 to $49,999
$50,000 to $99,999
$100,000 to $249,999
$250,000 to $999,999
$1,000,000 and up 0.15%
0.15%
0.15%
0.20%
0.25%
0.30%
0.40% 0.15%
0.15%
0.15%
0.20%
0.25%
0.30%
0.40%

Interest Checking
$1,000 min. to open
Interest
Rate APY*

$0 to $49,999
$50,000 to $99,999
$100,000 to $249,999
$250,000 to $499,999
$500,000 and up 0.05%
0.10%
0.15%
0.25%
0.35% 0.05%
0.10%
0.15%
0.25%
0.35%

Statement Savings
$100 min. to open
(Custodian Savings - $25 min. to open)
Interest
Rate APY*

0.10% 0.10%

Club Accounts
Penalties are assessed on early withdrawals.
$1 min. to open
Interest
Rate APY*

Christmas Club
Automatic transfer required from ENB deposit account
0.50% 0.50%
Vacation Club
Automatic transfer required from ENB deposit account
0.50% 0.50%

Community Fund
Available for non-profit businesses Interest
Rate APY*

Rates available by calling
717-733-4181.

*APY is the annual percentage yield. Rates subject to change without notice. APY assumes interest remains on deposit until maturity. Fees may reduce earnings.
** No bank penalty will be assessed as long as the withdrawal or transfer does not occur within 7 business days of a prior withdrawal or account transfer. Applicable IRS penalties will still apply.

Ephrata National Bank, Member FDIC