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Important Information Regarding EquifaxCurrent Rates
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Click on the links below to view the rates for the selected group.
Checking Rates
Savings Rates
CDs Rate
Money Market Rates
IRA Rates
Mortgage Rates
Home Equity Rates
Loan Rates
Personal Checking
Free Money Manager Checking Interest Rates
| Balance Tier | Interest Rate | Annual Percentage Yield |
|---|---|---|
| $500,000 and UP | 0.03% | 0.03% |
| $250,000 < $500,000 | 0.03% | 0.03% |
| $100,000 < $250,000 | 0.03% | 0.03% |
| $50,000 < $100,000 | 0.03% | 0.03% |
| $25,000 < $50,000 | 0.03% | 0.03% |
| $10,000 < $25,000 | 0.02% | 0.02% |
| < $10,000 | 0.02% | 0.02% |
Rate will vary and interest compounds monthly.
Personal Savings
Ingot Gold Savings Rates
| Balance Tier | Interest Rate) | Annual Percentage Yield |
|---|---|---|
| All Balances | 0.49% | 0.50% |
Rate will vary and interest compounds monthly.
Young Savers Rates
| Balance Tier | Interest Rate) | Annual Percentage Yield |
|---|---|---|
| ALL BALANCES | 0.04% | 0.05% |
Rate will vary and interest compounds monthly.
Certificates of Deposit
Current Rate
| CD Term | Interest Rate | Annual Percentage Yield |
|---|---|---|
| 7 - 29 DAYS | 0.04% | 0.05% |
| 30 - 90 DAYS | 0.04% | 0.05% |
| 6 - 8 MONTHS | 0.09% | 0.10% |
| 9 - 11 MONTHS | 0.09% | 0.10% |
| 12 MONTHS | 0.14% | 0.15% |
| 18 MONTHS | 0.19% | 0.20% |
| 24 MONTHS | 0.24% | 0.25% |
| 36 MONTHS | 0.49% | 0.50% |
| 48 MONTHS | 0.64% | 0.65% |
| 60 MONTHS | 1.48% | 1.50% |
Minimum daily balance of $500 to earn APY. Early withdrawal penalty may apply and reduce earnings.
Money Market
Money Market Rates
| Interest Rate | Annual Percentage Yield | Balance Tier |
|---|---|---|
| $500,000 and UP | 0.04% | 0.05% |
| $250,000 < $500,000 | 0.04% | 0.05% |
| $100,000 < $250,000 | 0.04% | 0.05% |
| $25,000 < $100,000 | 0.04% | 0.05% |
| < $25,000 | 0.04% | 0.05% |
Minimum daily balance of $500 to earn APY. Early withdrawal penalty may apply and reduce earnings.
IRA Rates
IRA Certificates of Deposit Rates
| IRA Term | Interest Rate | Annual Percentage Yield |
|---|---|---|
| 6 - 8 MONTHS | 0.09% | 0.10% |
| 9 - 11 MONTHS | 0.09% | 0.10% |
| 12 MONTHS | 0.14% | 0.15% |
| 18 MONTHS | 0.19% | 0.20% |
| 24 MONTHS | 0.24% | 0.25% |
| 36 MONTHS | 0.49% | 0.50% |
| 48 MONTHS | 0.64% | 0.65% |
| 60 MONTHS | 1.48% | 1.50% |
Minimum daily balance of $500 to earn APY. Early withdrawal penalty may apply.
IRA Savings Rates
| IRA Term | Interest Rate | Annual Percentage Yield |
|---|---|---|
| ALL BALANCES | 0.04% | 0.05% |
IRA Diplomat Gold Money Market Rates
| IRA Term | Interest Rate | Annual Percentage Yield |
|---|---|---|
| $500,000 and UP | 0.04% | 0.05% |
| $250,000 < $500,000 | 0.04% | 0.05% |
| $100,000 < $250,000 | 0.04% | 0.05% |
| $25,000 < $100,000 | 0.04% | 0.05% |
| < $25,000 | 0.04% | 0.05% |
Personal Mortgages
Gold Mortgage Purchase Money Rates*
1st Lien Only, 80% Loan to Value Ratio
| Term | Monthly w/ Automatic Payment | Monthly Payment per $1,000 Borrowed | Bi-Weekly w/Automatic Payment | Bi-Weekly Payment per $1,000 Borrowed | ||
|---|---|---|---|---|---|---|
| Rate | APR | Rate | APR | |||
| 10 YEARS | 3.000% | 3.000% | $9.66 | 3.000% | 3.000% | $4.83 |
| 15 YEARS | 3.125% | 3.125% | $6.97 | 3.125% | 3.125% | $3.48 |
| 20 YEARS | 3.750% | 3.750% | $5.93 | 3.750% | 3.750% | $2.96 |
| 25 YEARS | - | - | - | 3.875% | 3.875% | $2.60 |
Gold Mortgage Purchase Money Disclosure
*Available for 1-4 family owner-occupied dwellings located in Lehigh or Northampton County in an amount up to $425,000 with automatic payment from an Embassy Bank checking account (add .50% to all posted rates for loans without automatic payment). For loan-to-value ratio of 81-90%, add .25% to posted rate. APR (Annual Percentage Rate) based on $100,000 loan amount. Hazard Insurance is required. Title Insurance may be required. Rates locked as of date of application for 60-day period and are subject to market conditions thereafter. The payment amounts listed in the above table do not include amounts for taxes and insurance premiums, the actual payment obligation will be greater. Loans subject to credit approval.
Blue Mortgage Purchase Money Rates*
(Payments based on a 30-year amortization)
1st Lien Only, 80% Loan to Value Ratio
| Term | Monthly w/ Automatic Payment | Monthly Payment per $1,000 Borrowed | FINAL BALLOON PAYMENT (BASED ON $100,000 LOAN AMOUNT) | |
|---|---|---|---|---|
| Rate | APR | |||
| 7 YEARS | 3.000% | 3.000% | $4.22 | $84,406.02 |
| 15 YEARS | 3.125% | 3.125% | $4.28 | $61,924.86 |
Blue Mortgage Purchase Money Disclosure
*Available for 1-4 family owner-occupied dwellings located in Lehigh or Northampton County in an amount up to $425,000 with automatic payment from an Embassy Bank checking account (add .50% to all posted rates for loans without automatic payment). For loan-to-value ratio of 81-90%, add .25% to posted rate. APR (Annual Percentage Rate) based on $100,000 loan amount. Hazard Insurance is required. Title Insurance may be required. Rates locked as of date of application for 60-day period and are subject to market conditions thereafter. The payment amounts listed in the above table do not include amounts for taxes and insurance premiums, the actual payment obligation will be greater. Loans subject to credit approval. Blue mortgages will require a balloon payment at the end of the stated term.
Gold Mortgage Refinance Rates*
1st Lien Only, 80% Loan to Value Ratio
| Term | Monthly w/ Automatic Payment | Monthly Payment per $1,000 Borrowed | Bi-Weekly w/Automatic Payment | Bi-Weekly Payment per $1,000 Borrowed | ||
|---|---|---|---|---|---|---|
| Rate | APR | Rate | APR | |||
| 10 YEARS | 3.000% | 3.104% | $9.66 | 3.000% | 3.105% | $4.83 |
| 15 YEARS | 3.125% | 3.197% | $6.97 | 3.125% | 3.194% | $3.48 |
| 20 YEARS | 3.750% | 3.807% | $5.93 | 3.750% | 3.801% | $2.96 |
| 25 YEARS | - | - | - | 3.875% | 3.915% | $2.60 |
Gold Mortgage Refinance Disclosure
*Available for 1-4 family owner-occupied dwellings located in Lehigh or Northampton County in an amount up to $425,000 with automatic payment from an Embassy Bank checking account (add .50% to all posted rates for loans without automatic payment). For loan-to-value ratio of 81-90%, add .25% to posted rate. APR (Annual Percentage Rate) based on $100,000 loan amount. Hazard Insurance is required. Title Insurance may be required. Rates locked as of date of application for 60-day period and are subject to market conditions thereafter. The payment amounts listed in the above table do not include amounts for taxes and insurance premiums, the actual payment obligation will be greater. Loans subject to credit approval.
Blue Mortgage Refinance Rates*
(Payments based on a 30-year amortization)
1st Lien Only, 80% Loan to Value Ratio
| Term | Monthly w/ Automatic Payment | Monthly Payment per $1,000 Borrowed | FINAL BALLOON PAYMENT (BASED ON $100,000 LOAN AMOUNT) | |
|---|---|---|---|---|
| Rate | APR | |||
| 7 YEARS | 3.000% | 3.086% | $4.22 | $84,406.02 |
| 15 YEARS | 3.125% | 3.175% | $4.28 | $61,924.86 |
Blue Mortgage Refinance Disclosure
*Available for 1-4 family owner-occupied dwellings located in Lehigh or Northampton County in an amount up to $425,000 with automatic payment from an Embassy Bank checking account (add .50% to all posted rates for loans without automatic payment). For loan-to-value ratio of 81-90%, add .25% to posted rate. APR (Annual Percentage Rate) based on $100,000 loan amount. Hazard Insurance is required. Title Insurance may be required. Rates locked as of date of application for 60-day period and are subject to market conditions thereafter. The payment amounts listed in the above table do not include amounts for taxes and insurance premiums, the actual payment obligation will be greater. Loans subject to credit approval. Blue mortgages will require a balloon payment at the end of the stated term.
Lot Loan Purchase Money Loan Rates*
80% Loan to Value Ratio
| Term | Monthly w/ Automatic Payment | Monthly Payment per $1,000 Borrowed | Bi-Weekly w/Automatic Payment | Bi-Weekly Payment per $1,000 Borrowed | ||
|---|---|---|---|---|---|---|
| Rate | APR | Rate | APR | |||
| 15 YEARS | 7.150% | 7.150% | $9.07 | 7.150% | 7.150% | $4.54 |
Balloon Lot Loan Purchase Rates*
The following loan terms have payments based on 30-year amortization
| Term | Monthly w/ Automatic Payment | Monthly Payment per $1,000 Borrowed | Bi-Weekly w/Automatic Payment | Bi-Weekly Payment per $1,000 Borrowed | ||
|---|---|---|---|---|---|---|
| Rate | APR | Rate | APR | |||
| 5 YEARS | 6.650% | 6.650% | $6.42 | 6.650% | 6.650% | $3.21 |
| 10 YEARS | 6.950% | 6.950% | $6.62 | 6.950% | 6.950% | $3.31 |
Lot Loan Purchase Disclosure
*Available for qualified lots located in Lehigh or Northampton County in an amount up to $425,000 with automatic payment from an Embassy Bank checking account (add .50% to all posted rates for loans without automatic payment). Maximum loan-to-value ratio 80%. Annual Percentage Rate (APR) based on $100,000 loan amount. Title Insurance may be required. Rates locked as of date of application for 60-day period and are subject to market conditions thereafter. Loans subject to credit approval. Balloon lot loans will require a balloon payment at the end of the stated term.
Lot Loan Refinance Rates*
80% Loan to Value Ratio
| Term | Monthly w/ Automatic Payment | Monthly Payment per $1,000 Borrowed | Bi-Weekly w/Automatic Payment | Bi-Weekly Payment per $1,000 Borrowed | ||
|---|---|---|---|---|---|---|
| Rate | APR | Rate | APR | |||
| 15 YEARS | 7.150% | 7.230% | $9.07 | 7.150% | 7.216% | $4.54 |
Balloon Lot Loan Refinance Rates*
The following loan terms have payments based on 30-year amortization
| Term | Monthly w/ Automatic Payment | Monthly Payment per $1,000 Borrowed | Bi-Weekly w/Automatic Payment | Bi-Weekly Payment per $1,000 Borrowed | ||
|---|---|---|---|---|---|---|
| Rate | APR | Rate | APR | |||
| 5 YEARS | 6.650% | 6.770% | $6.42 | 6.650% | 6.751% | $3.21 |
| 10 YEARS | 6.950% | 7.023% | $6.62 | 6.950% | 7.003% | $3.31 |
Lot Loan Refinance Disclosure
*Available for qualified lots located in Lehigh or Northampton County in an amount up to $425,000 with automatic payment from an Embassy Bank checking account (add .50% to all posted rates for loans without automatic payment). Maximum loan-to-value ratio 80%. Annual Percentage Rate (APR) based on $100,000 loan amount. Title Insurance may be required. Rates locked as of date of application for 60-day period and are subject to market conditions thereafter. Loans subject to credit approval. Balloon lot loans will require a balloon payment at the end of the stated term.
Personal Home Equity
Home Equity Installment Loan*
80% Loan to Value Ratio
| Term | Monthly w/ Automatic Payment | Monthly Payment per $1,000 Borrowed | Bi-Weekly w/Automatic Payment | Bi-Weekly Payment per $1,000 Borrowed | ||
|---|---|---|---|---|---|---|
| Rate | APR | Rate | APR | |||
| 36 MONTHS | 3.50% | 3.50% | $29.30 | 3.50% | 3.50% | $14.65 |
| 60 MONTHS | 3.50% | 3.50% | $18.19 | 3.50% | 3.50% | $9.10 |
| 120 MONTHS | 3.99% | 3.99% | $10.12 | 3.99% | 3.99% | $5.06 |
| 180 MONTHS | 4.99% | 4.99% | $7.90 | 4.99% | 4.99% | $3.95 |
*Available for $5,000 - $425,000 loans secured by 2nd lien position on 1-4 family owner-occupied dwellings located in Lehigh or Northampton County with automatic payment from an Embassy Bank checking account (add .50% to all posted rates for loans without automatic payment). For loan-to-value ratio of 81-85%, add .50% to posted rate. APR (Annual Percentage Rate) based on $100,000 loan amount. Hazard Insurance is required. Title Insurance may be required. Rates locked as of date of application for 60-day period and are subject to market conditions thereafter. The payment amounts listed in the above table do not include amounts for taxes and insurance premiums, the actual payment obligation will be greater. Loans subject to credit approval.
Home Equity Line of Credit Rates**
80% Loan to Value Ratio
| Credit Line | Annual Percentage Yield |
|---|---|
| $5,000 - $250,000 | Fixed 6 Month Introductory Rate: 2.79% APR After Introductory Period: Wall Street Journal Prime Rate + 0%, Current Rate 4.25% APR |
**Available for $5,000 - $250,000 loans secured by 1-4 family owner-occupied dwellings located in Lehigh or Northampton County with automatic payment from an Embassy Bank checking account (add .50% to all posted rates for loans without automatic payment). Interest Rate is based on WSJ (Wall Street Journal) Prime Rate, which is currently 4.25% and may vary. Maximum rate is 18.00% APR (Annual Percentage Rate), minimum (floor) rate is 3.50% APR. Maximum loan-to-value ratio is 80%. Hazard Insurance is required. Title Insurance may be required. Loans subject to credit approval. Promotion not valid for current Embassy Bank Home Equity Line of Credit borrowers who have received a special introductory rate as a part of a previous promotion. All other Embassy Bank borrowers must increase their Credit Line by $10,000 or more to qualify for Introductory Rate. APR effective as of date of publication. Rates subject to change, and offer may be discontinued at any time.
Personal Loans
New Auto Loan*
Model Year 2017 to 2016
| Term | Rate/APR (w/Automatic Payment) | Monthly Payment per $1000 Borrowed |
|---|---|---|
| 60 MONTHS | 3.99% | $18.41 |
| 72 MONTHS | 3.99% | $15.64 |
*Rates with Automatic Payment include .50% discount for payments directly deducted from an Embassy Bank checking account.
Used Auto Loan**
Model Year 2016 - 2014
| Term | Rate/APR (w/Automatic Payment) | Monthly Payment per $1000 Borrowed |
|---|---|---|
| 60 MONTHS | 4.75% | $18.76 |
**Rates with Automatic Payment include .50% discount for payments directly deducted from an Embassy Bank checking account.
Older Used Auto Loan***
Model Year 2013 - 2010
| Term | Rate/APR (w/Automatic Payment) | Monthly Payment per $1000 Borrowed |
|---|---|---|
| 48 MONTHS | 4.99% | $23.02 |
***Rates with Automatic Payment include .50% discount for payments directly deducted from an Embassy Bank checking account.
Click on the links below to view the rates for the selected group.
Checking Rates
Savings Rates
CDs Rate
Business Checking Accounts
Enterprise Interest Checking Rates
| Balance Tier | Interest Rate | Annual Percentage Yield |
|---|---|---|
| $25,000 AND UP | 0.02% | 0.02% |
| $10,000 < $25,000 | 0.01% | 0.02% |
| $2,000 < $10,000 | 0.01% | 0.01% |
| < $2,000 | 0.00% | 0.00% |
Enterprise Non-Profit Interest Checking Rates
| Balance Tier | Interest Rate | Annual Percentage Yield |
|---|---|---|
| $5,000 AND UP | 0.02% | 0.02% |
| < $5,000 | 0.00% | 0.00% |
Business Savings
Business Ingot Gold Savings Rates
| Balance Tier | Interest Rate | Annual Percentage Yield |
|---|---|---|
| All Balances | 0.09% | 0.10% |
Business Money Market Rates
| Balance Tier | Interest Rate | Annual Percentage Yield |
|---|---|---|
| $500,000 AND UP | 0.09% | 0.10% |
| $250,000 < $500,000 | 0.09% | 0.10% |
| $100,000 < 250,000 | 0.04% | 0.05% |
| $25,000 < $100,000 | 0.04% | 0.05% |
| < $25,000 | 0.04% | 0.05% |
Business Certificates of Deposit
Current Rate
| Balance Tier | Interest Rate | Annual Percentage Yield |
|---|---|---|
| 7 - 29 DAYS | 0.04% | 0.05% |
| 30 - 90 DAYS | 0.04% | 0.05% |
| 6 - 8 MONTHS | 0.09% | 0.10% |
| 9 - 11 MONTHS | 0.09% | 0.10% |
| 12 MONTHS | 0.14% | 0.15% |
| 18 MONTHS | 0.19% | 0.20% |
| 24 MONTHS | 0.24% | 0.25% |
| 36 MONTHS | 0.49% | 0.50% |
| 48 MONTHS | 0.64% | 0.65% |
| 60 MONTHS | 1.48% | 1.50% |
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