Customer Service: 610-882-8800
Routing Number: 031318716
IMPORTANT MESSAGE FOR ONLINE AND MOBILE BANKING CUSTOMERS
System Maintenance - Sunday, July 27th, 2025 between 1:30 to 5:30 AM ET. During this four hour time frame, some features of online and mobile banking may be limited or unavailable. We apologize for any inconvenience.
Current Rates
Personal
Business
Click on the links below to view the rates for the selected group.
Checking Rates
Savings Rates
CD Rates
Money Market Rates
IRA Rates
Refinance - Mortgage Rates
Purchase - 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 | 0.02% | 0.02% |
| $250,000 < $500,000 | 0.02% | 0.02% |
| $100,000 < $250,000 | 0.02% | 0.02% |
| $50,000 < $100,000 | 0.02% | 0.02% |
| $25,000 < $50,000 | 0.02% | 0.02% |
| $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 | 0.29% | 0.30% |
Preauthorized, Automated Clearing House (ACH), telephone, mobile device or computer transfers, or transfers by check, draft, debit card or similar order to third parties are limited to no more than six (6) per calendar month.
Rate will vary and interest compounds monthly.
Young Savers Rates
| Balance Tier | Interest Rate | Annual Percentage Yield |
|---|---|---|
| All Balances | 0.02% | 0.02% |
Rate will vary and interest compounds monthly.
Certificates of Deposit
Current Rate
| CD Term | Interest Rate | Annual Percentage Yield |
|---|---|---|
| 7 DAYS | 0.09% | 0.10% |
| 30-90 DAYS | 0.09% | 0.10% |
| 3 MONTHS - PROMOTIONAL RATE* | 4.16% | 4.25% |
| 4 - 8 MONTHS | 0.09% | 0.10% |
| 7 MONTHS - PROMOTIONAL RATE* | 3.92% | 4.00% |
| 9 - 11 MONTHS | 0.09% | 0.10% |
| 12 - 17 MONTHS | 0.24% | 0.25% |
| 13 MONTHS - PROMOTIONAL RATE* | 3.77% | 3.85% |
| 18 - 23 MONTHS | 0.24% | 0.25% |
| 24 - 35 MONTHS | 0.24% | 0.25% |
| 25 MONTHS - PROMOTIONAL RATE* | 3.44% | 3.50% |
| 36 - 47 MONTHS | 0.24% | 0.25% |
| 48 - 59 MONTHS | 0.24% | 0.25% |
| 60 MONTHS | 0.39% | 0.40% |
Minimum daily balance of $500 to earn APY. Early withdrawal penalty may apply and reduce earnings.
If the interest rates rise after you open a 36 month Certificate of Deposit, you may increase the interest rate and annual percentage yield (APY) one time during the life of the account. Please call us for details.
* Promotional Rates apply only to newly opened Promotional Certificates of Deposit. For rollover CD’s, refer to non-promotional rates.
Money Market
Money Market Rates
| Balance Tier | Interest Rate | Annual Percentage Yield |
|---|---|---|
| $500,000 and UP | 0.02% | 0.02% |
| $250,000 < $500,000 | 0.02% | 0.02% |
| $100,000 < $250,000 | 0.02% | 0.02% |
| $25,000 < $100,000 | 0.02% | 0.02% |
| < $25,000 | 0.02% | 0.02% |
*Preauthorized, Automated Clearing House (ACH), telephone, mobile device or computer transfers, or transfers by check, draft, debit card or similar order to third parties are limited to no more than six (6) per calendar month.
IRA Rates
IRA Certificates of Deposit Rates
| Ira Term | Interest Rate | Annual Percentage Yield |
|---|---|---|
| 6 - 8 MONTHS | 0.09% | 0.10% |
| 7 MONTHS - PROMOTIONAL RATE* | 3.92% | 4.00% |
| 12 - 17 MONTHS | 0.24% | 0.25% |
| 13 MONTHS - PROMOTIONAL RATE* | 3.77% | 3.85% |
| 18 - 23 MONTHS | 0.24% | 0.25% |
| 24 - 35 MONTHS | 0.24% | 0.25% |
| 25 MONTHS - PROMOTIONAL RATE* | 3.44% | 3.50% |
| 36 - 47 MONTHS | 0.24% | 0.25% |
| 48 - 59 MONTHS | 0.24% | 0.25% |
| 60 MONTHS | 0.39% | 0.40% |
Minimum daily balance of $500 to earn APY. Early withdrawal penalty may apply. Fees may reduce earnings.
If the interest rates rise after you open a 36 month Certificate of Deposit, you may increase the interest rate and annual percentage yield (APY) one time during the life of the account. Please call us for details.
* Promotional Rates apply only to newly opened Promotional Certificates of Deposit. For rollover CD’s, refer to non-promotional rates.
IRA Savings Rates
| Ira Term | Interest Rate | Annual Percentage Yield |
|---|---|---|
| ALL BALANCES | 0.02% | 0.02% |
IRA Diplomat Gold Money Market Rates
| Ira Term | Interest Rate | Annual Percentage Yield |
|---|---|---|
| $500,000 and UP | 0.02% | 0.02% |
| $250,000 < $500,000 | 0.02% | 0.02% |
| $100,000 < $250,000 | 0.02% | 0.02% |
| $25,000 < $100,000 | 0.02% | 0.02% |
| < $25,000 | 0.02% | 0.02% |
Personal Mortgages Purchase Rates
Mortgage Purchase Money Rates*
1st Lien Only, 80% Loan to Value Ratio
| Term | Bi-Weekly w/ Autopay | Bi-Weekly Payment per $1,000 Borrowed | Mo. w/ Autopay | Mo. Payment per $1,000 Borrowed | ||
|---|---|---|---|---|---|---|
| Rate | APR | Rate | APR | |||
| 10 YEARS | 5.625% | 5.655% | $5.46 | 5.625% | 5.669% | $10.91 |
| 15 YEARS | 5.750% | 5.766% | $4.15 | 5.75% | 5.781% | $8.30 |
| 20 YEARS | 6.125% | 6.133% | $3.62 | 6.125% | 6.150% | $7.24 |
| 25 YEARS | 6.250% | 6.254% | $3.30 | - | - | - |
Mortgage Purchase Money Disclosure
*Available for 1-4 family owner-occupied dwellings located in Lehigh or Northampton County in an amount up to $550,000 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.
Balloon Mortgage Purchase Money Rates*
(Payments based on a 30-year amortization)
1st Lien Only, 80% Loan to Value Ratio
| Term | Mo. w/ Autopay | Mo. Payment per $1,000 Borrowed |
FINAL BALLOON PAYMENT (BASED ON $100,000 LOAN AMOUNT) |
|
|---|---|---|---|---|
| Rate | APR | |||
| 7 Years | 5.625% | 5.661% | $5.76 | $89,598.99 |
| 15 Years | 5.750% | 5.772% | $5.84 | $70,857.80 |
Balloon Mortgage Purchase Money Disclosure
*Available for 1-4 family owner-occupied dwellings located in Lehigh or Northampton County in an amount up to $550,000 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 | Bi-Weekly w/ Autopay | Bi-Weekly Payment per $1,000 Borrowed | Mo. w/ Autopay | Mo. Payment per $1,000 Borrowed | ||
|---|---|---|---|---|---|---|
| Rate | APR | Rate | APR | |||
| 15 Years | 8.750% | 8.750% | $5.00 | 8.750% | 8.771% | $9.99 |
Balloon Lot Loan Purchase Rates*
The following loan terms have payments based on 30-year amortization
| Term | Bi-Weekly w/ Autopay | Bi-Weekly Payment per $1,000 Borrowed | Mo. w/ Autopay | Mo. Payment per $1,000 Borrowed | ||
|---|---|---|---|---|---|---|
| Rate | APR | Rate | APR | |||
| 5 Years | 8.250% | 8.259% | $3.76 | 8.250% | 8.281% | $7.51 |
| 10 Years | 8.50% | 8.497% | $3.85 | 8.500% | 8.519% | $7.69 |
Lot Loan Purchase Disclosure
*Available for qualified lots located in Lehigh or Northampton County in an amount up to $550,000 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 Mortgages Refinance Rates
Mortgage Refinance Rates*
1st Lien Only, 80% Loan to Value Ratio
| Term | Bi-Weekly w/ Autopay | Bi-Weekly Payment per $1,000 Borrowed | Mo. w/ Autopay | Mo. Payment per $1,000 Borrowed | ||
|---|---|---|---|---|---|---|
| Rate | APR | Rate | APR | |||
| 10 YEARS | 5.625% | 5.728% | $5.46 | 5.625% | 5.735% | $10.91 |
| 15 YEARS | 5.750% | 5.818% | $4.15 | 5.750% | 5.828% | $8.30 |
| 20 YEARS | 6.125% | 6.175% | $3.62 | 6.125% | 6.188% | $7.24 |
| 25 YEARS | 6.250% | 6.290% | $3.30 | - | - | - |
Mortgage Refinance Disclosure
*Available for 1-4 family owner-occupied dwellings located in Lehigh or Northampton County in an amount up to $550,000 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.
Balloon Mortgage Refinance Rates*
(Payments based on a 30-year amortization)
1st Lien Only, 80% Loan to Value Ratio
| Term | Mo. w/ Autopay | Mo. Payment per $1,000 Borrowed |
FINAL BALLOON PAYMENT (BASED ON $100,000 LOAN AMOUNT) |
|
|---|---|---|---|---|
| Rate | APR | |||
| 7 Years | 5.625% | 5.716% | $5.76 | $89,598.99 |
| 15 Years | 5.750% | 5.806% | $5.84 | $70,857.80 |
Balloon Mortgage Refinance Disclosure
*Available for 1-4 family owner-occupied dwellings located in Lehigh or Northampton County in an amount up to $550,000 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 Refinance Rates*
80% Loan to Value Ratio
| Term | Bi-Weekly w/ Autopay | Bi-Weekly Payment per $1,000 Borrowed | Mo. w/ Autopay | Mo. Payment per $1,000 Borrowed | ||
|---|---|---|---|---|---|---|
| Rate | APR | Rate | APR | |||
| 15 Years | 8.750% | 8.825% | $5.00 | 8.750% | 8.838% | $9.99 |
Balloon Lot Loan Refinance Rates*
The following loan terms have payments based on 30-year amortization
| Term | Bi-Weekly w/ Autopay | Bi-Weekly Payment per $1,000 Borrowed | Mo. w/ Autopay | Mo. Payment per $1,000 Borrowed | ||
|---|---|---|---|---|---|---|
| Rate | APR | Rate | APR | |||
| 5 Years | 8.250% | 8.358% | $3.76 | 8.250% | 8.379% | $7.51 |
| 10 Years | 8.500% | 8.561% | $3.85 | 8.500% | 8.580% | $7.69 |
Lot Loan Refinance Disclosure
*Available for qualified lots located in Lehigh or Northampton County in an amount up to $550,000 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 | Bi-Weekly w/ Autopay | Bi-Weekly Payment per $1,000 Borrowed | Mo. w/ Autopay | Mo. Payment per $1,000 Borrowed | ||
|---|---|---|---|---|---|---|
| Rate | APR | Rate | APR | |||
| 36 MONTHS | 4.99% | 4.99% | $14.98 | 4.99% | 4.99% | $29.97 |
| 60 MONTHS | 5.49% | 5.49% | $9.55 | 5.49% | 5.49% | $19.10 |
| 120 MONTHS | 6.79% | 6.79% | $5.75 | 6.79% | 6.79% | $11.50 |
| 180 MONTHS | 6.99% | 6.99% | $4.49 | 6.99% | 6.99% | $8.98 |
*Available for $5,000 - $250,000 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 | APR/Interest Rate |
|---|---|
| $5,000 - $250,000 | Fixed 6 Month Introductory Rate: 1.99% APR After Introductory Period: Wall Street Journal Prime Rate +0% Current Wall Street Journal Prime Rate 7.50% 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 7.50% and may vary. Maximum rate is 18.00% APR (Annual Percentage Rate), minimum (floor) rate is 3.50% APR. 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 July 1, 2025 and is subject to change; offer may be discontinued at any time. |
Personal Loans
New Auto Loan*
Model Year: 2025 - 2024
| Term | Rate/APR (w/ Autopay) | Mo. Payment per $1000 Borrowed |
|---|---|---|
| 60 MONTHS | 7.99% | $20.27 |
| 72 MONTHS | 8.49% | $17.77 |
*Rates with Automatic Payment include .50% discount for payments directly deducted from an Embassy Bank checking account.
Used Auto Loan**
Model Year: 2024 - 2022
| Term | Rate/APR (w/ Autopay) | Mo. Payment per $1000 Borrowed |
|---|---|---|
| 60 MONTHS | 8.49% | $20.51 |
**Rates with Automatic Payment include .50% discount for payments directly deducted from an Embassy Bank checking account.
Older Used Auto Loan***
Model Year: 2021 - 2018
| Term | Rate/APR (w/ Autopay) | Mo. Payment per $1000 Borrowed |
|---|---|---|
| 48 MONTHS | 9.49% | $25.12 |
***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 | 0.02% | 0.02% |
| < $10,000 | 0.02% | 0.02% |
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 | 0.02% | 0.02% |
Business Money Market Rates
| Balance Tier | Interest Rate | Annual Percentage Yield |
|---|---|---|
| $500,000 AND UP | 0.02% | 0.02% |
| $250,000 < $500,000 | 0.02% | 0.02% |
| $100,000 < $250,000 | 0.02% | 0.02% |
| $25,000 < $100,000 | 0.02% | 0.02% |
| < $25,000 | 0.02% | 0.02% |
Business Certificates of Deposit
Current Rate
| CD Term | Interest Rate | Annual Percentage Yield |
|---|---|---|
| 7 DAYS | 0.09% | 0.10% |
| 30 - 90 DAYS | 0.09% | 0.10% |
| 6 - 11 MONTHS | 0.09% | 0.10% |
| 12 - 17 MONTHS | 0.14% | 0.15% |
| 18 - 23 MONTHS | 0.14% | 0.15% |
| 24 - 35 MONTHS | 0.24% | 0.25% |
| 36 - 47 MONTHS | 0.24% | 0.25% |
| 48 - 59 MONTHS | 0.24% | 0.25% |
| 60 MONTHS | 0.39% | 0.40% |
Minimum daily balance of $500 to earn APY. Early withdrawal penalty may apply.
If the interest rates rise after you open a 36 month Certificate of Deposit, you may increase the interest rate and annual percentage yield (APY) one time during the life of the account. Please call us for details.
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