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Deposit & Savings Interest Rates
NOTICE TO EPHRATA NATIONAL BANK DEPOSITORS:On October 3, 2008, FDIC deposit insurance temporarily increased from $100,000 to $250,000 per depositor through December 31, 2013. For information on ENB's financial stability, click here.
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Deposit Rates as of February 23, 2010
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CD Rates
Penalties are assessed on early withdrawals. |
Interest Rate
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APY*
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| 2 Year IRA CD Special†
$500 Min. to open
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1.74%
1.75%
| 2½ Year IRA CD Special†
$500 Min. to open
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1.99%
2.00%
| 3 Year IRA CD Special†
$500 Min. to open
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2.28%
2.30%
| 4 Year IRA CD Special†
$500 Min. to open
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2.68%
2.71%
| 5 Year IRA CD Special†
$500 Min. to open
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3.22%
3.26%
| Short Term CD (15-90 Days)
$2,500 min. to open
$100,000 and up
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0.35%
0.45%
0.35%
0.45%
| 91 Day CD (3
Months)
$500 min. to open
$100,000 and up |
0.50%
0.60%
0.50%
0.60%
| 182 Day CD& IRA (6 Months)
$500 min. to open
$100,000 and up
0.60%
0.70%
0.60%
0.70%
| 9 Month CD
$500 min. to open
$100,000 and up
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0.75%
0.85%
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0.75%
0.85%
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| 1 Year
CD& IRA
$500 min. to open
$100,000 and up
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1.00%
1.15%
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1.00%
1.15%
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| 18 Month CD& IRA
$500 min. to open
$100,000 and up
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1.34%
1.49%
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1.35%
1.50%
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| 2 Year CD
$500 min. to open
$100,000 and up
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1.59%
1.74%
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1.60%
1.75%
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| 2½ Year CD
$500 min. to open
$100,000 and up
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1.84%
1.99%
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1.85%
2.00%
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| 3 Year CD
$500 min. to open
$100,000 and up
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2.13%
2.28%
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2.15%
2.30%
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| 4 Year CD
$500 min. to open
$100,000 and up
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2.53%
2.68%
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2.55%
2.71%
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| 5 Year CD
$500 min. to open
$100,000 and up
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3.07%
3.22%
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3.10%
3.26%
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IRA Variable Rate CD
This CD has an 18-month term during which you can add or transfer funds
to the CD. Once the CD accumulates $500, you can convert it to a fixed-rate
IRA CD for the term of your choice without penalty.
$10 min. to open
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0.70%
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0.70%
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| Personal Money Market Account
$2,500 min. to open |
Interest
Rate
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APY*
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$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 |
0.20%
0.25%
0.30%
0.35%
0.45%
0.65%
0.90%
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0.20%
0.25%
0.30%
0.35%
0.45%
0.65%
0.90%
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| Interest Checking
$1,000 min.
to open |
Interest
Rate
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APY*
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$0 to $49,999
$50,000 to $99,999
$100,000 to $249,999
$250,000 to $499,999
$500,000 and up |
0.15%
0.20%
0.25%
0.50%
0.60%
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0.15%
0.20%
0.25%
0.50%
0.60%
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| Statement Savings
$100 min. to open
(Custodian Savings - $25 min. to open) |
Interest
Rate
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APY*
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0.15%
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0.15%
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Club Accounts
Penalties are assessed on early withdrawals. $1 min. to open |
Interest
Rate
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APY*
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| Christmas Club
Automatic transfer required from ENB deposit account |
0.55%
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0.55%
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| Vacation Club
Automatic transfer required from ENB deposit account |
0.65%
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0.65%
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Community Fund
Available for non-profit businesses
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Interest
Rate
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APY*
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Rates available by calling
717-733-4181. |
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*APY is the annual percentage yield. Rates subject to change without notice. APY assumes interest remains on deposit until maturity. Fees may reduce earnings.
†APY accurate as of 2/16/2010. Must open a new IRA CD with a $500 minimum deposit to earn APY. Early withdraw penalties will apply.
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Ephrata National Bank, Member FDIC
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