US Bank Directory
Banks in Ephrata, PA
7 FDIC-insured banks operate 12 offices in Ephrata, Pennsylvania, and 3 credit unions have 3 offices.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026; hours checked October 10, 2026.
Bank branch map: Ephrata
Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.
Short answer: 10 banks and credit unions operate 15 locations in Ephrata, according to the FDIC and the NCUA. 15 of them have coordinates on record and are on the map. 6 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
15 locations on the map
Tap a cluster to zoom in
Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.
All banks and credit unions in Ephrata
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: The Ephrata National Bank has the most locations in Ephrata, with 6. The other 6 each have a single office in the city. Open any bank to see each address, today's hours where the bank publishes them and the phone number.
The Ephrata National Bank Bank · 6
The Ephrata National Bank has 6 branches in Ephrata, 19 across Pennsylvania and 23 nationwide. FDIC records list its main office in Ephrata, PA and show it operating since 1881. With $2.39 billion in total assets on June 30, 2026, it ranks No. 518 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Ephrata location is its main office at 31 E Main St, dating to 1881; the newest, at Po Box 457, to 2016. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office31 E Main St, 17522
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Technology Center Branch31 E Franklin St, 17522
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Main Office Drive-In Branch42 E Main St, 17522
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Money Management Group Branch47 E Main St, 17522
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Cloister Branch809 Martin Ave, 17522
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The Ephrata National Bank BranchPo Box 457, 17522
Bank of Bird-in-Hand Bank · 1
Bank of Bird-in-Hand has 1 branch in Ephrata, 16 across Pennsylvania and 16 nationwide. FDIC records list its main office in Bird In Hand, PA and show it operating since 2013. With $1.91 billion in total assets on June 30, 2026, it ranks No. 628 of 4,232 U.S. banks by total assets. The Ephrata Branch at 1759 W Main St dates to 2021 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Ephrata Branch1759 W Main St, 17522
Everence Credit Union Credit union · 1
Everence Credit Union has 1 office in Ephrata, 7 across Pennsylvania. It is based in Lancaster, PA and $450.1 million in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.
Who can join: see the credit union's site.
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Ephrata1021 Sharp Ave, 17522
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
First Citizens Community Bank Bank · 1
First Citizens Community Bank has 1 branch in Ephrata, 37 across Pennsylvania and 44 nationwide. FDIC records list its main office in Mansfield, PA and show it operating since 1932. With $3.19 billion in total assets on June 30, 2026, it ranks No. 403 of 4,232 U.S. banks by total assets. The Ephrata Branch at 3630 Rothsville Rd dates to 2022 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Ephrata Branch3630 Rothsville Rd, 17522
Fulton Bank Bank · 1
Fulton Bank has 1 branch in Ephrata, 105 across Pennsylvania and 208 nationwide. FDIC records list its main office in Lancaster, PA and show it operating since 1882. With $32.56 billion in total assets on June 30, 2026, it ranks No. 67 of 4,232 U.S. banks by total assets. The Ephrata Branch at 130 N Reading Rd dates to 2021 in FDIC branch records. It opens on Saturday.
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Ephrata Branch130 N Reading Rd, 17522
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat 9 am to 12 pm; Sun closed
Hours: Fulton Bank branch locator (All The Places), checked Oct 10, 2026
Jonestown Bank and Trust Company, of Jonestown, Pennsylvania Bank · 1
Jonestown Bank and Trust Company, of Jonestown, Pennsylvania has 1 branch in Ephrata, 14 across Pennsylvania and 14 nationwide. FDIC records list its main office in Jonestown, PA and show it operating since 1873. With $1.01 billion in total assets on June 30, 2026, it ranks No. 1,044 of 4,232 U.S. banks by total assets. The Ephrata Branch at 1001 Sharp Ave dates to 2011 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Ephrata Branch1001 Sharp Ave, 17522
Lanco Credit Union Credit union · 1
Lanco Credit Union has 1 office in Ephrata, 3 across Pennsylvania. It is based in Lancaster, PA and $126.5 million in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.
Who can join: see the credit union's site.
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Lanco Fcu Brownstown Branch4213 Oregon Pike, 17522
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Members 1st Credit Union Credit union · 1
Members 1st Credit Union has 1 office in Ephrata, 61 across Pennsylvania. It is based in Enola, PA and $8.61 billion in assets on March 31, 2026, according to its NCUA call report. It opens on Saturday.
Who can join: see the credit union's site.
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Ephrata Branch836 E Main St, 17522
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat 9 am to 2 pm; Sun closed
Hours: NCUA, March 31, 2026
PNC Bank Bank · 1
PNC Bank has 1 branch in Ephrata, 262 across Pennsylvania and 2,413 nationwide. FDIC records list its main office in Wilmington, DE and show it operating since 1804. With $609.77 billion in total assets on June 30, 2026, it ranks No. 8 of 4,232 U.S. banks by total assets. The Ephrata Branch at 280 N Reading Rd dates to 1976 in FDIC branch records. It opens on Saturday.
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Ephrata Branch280 N Reading Rd, 17522
All hours
Mon not published; Tue to Fri 9 am to 5 pm; Sat 9 am to 1 pm; Sun not published
Hours: PNC Bank branch locator (All The Places), checked Oct 3, 2026
Truist Bank · 1
Truist has 1 branch in Ephrata, 138 across Pennsylvania and 1,931 nationwide. FDIC records list its main office in Charlotte, NC and show it operating since 1872. With $548.35 billion in total assets on June 30, 2026, it ranks No. 9 of 4,232 U.S. banks by total assets. The Ephrata North Branch at 399 N Reading Rd dates to 1973 in FDIC branch records. It opens on Saturday.
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Ephrata North Branch399 N Reading Rd, 17522
All hours
Mon to Thu 9 am to 5 pm; Fri 9 am to 6 pm; Sat 9 am to 12 pm; Sun closed
Hours: Truist branch locator (All The Places), checked Oct 10, 2026
Join a credit union in Ephrata
3 credit unions have 3 offices here: Members 1st Credit Union, Everence Credit Union and Lanco Credit Union. Each office is listed above with the phone and the hours it filed with the NCUA (call report as of March 31, 2026). Who can join each one is on its own site; the credit unions in Ephrata page has every office in the state's directory.
Banking in Ephrata: the local picture
Short answer: 7 banks run 12 branches in Ephrata according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.
Of the 7 banks, 1 has its main office in Ephrata, 4 elsewhere in Pennsylvania and 2 out of state, according to the FDIC.
The bank with the longest record here is PNC Bank, operating since 1804 according to the FDIC. In FDIC branch records, the longest-running branch is The Ephrata National Bank's office at 31 E Main St, dating to 1881; the newest is First Citizens Community Bank's at 3630 Rothsville Rd, from 2022.
3 credit unions have 3 offices in Ephrata, according to the NCUA. Who can join each one is on the credit unions page.
Of the 6 locations with published hours. 4 open on Saturday. 9 locations have no published hours in these sources.
Banks and credit unions open on Saturday in Ephrata
Short answer: 4 of the 6 Ephrata locations with published hours open on Saturday, run by 4 institutions.
- PNC Bank: 1 of 1 branch (280 N Reading Rd: Saturday 9 am to 1 pm)
- Truist: 1 of 1 branch (399 N Reading Rd: Saturday 9 am to 12 pm)
- Fulton Bank: 1 of 1 branch (130 N Reading Rd: Saturday 9 am to 12 pm)
- Members 1st Credit Union: 1 of 1 office (836 E Main St: Saturday 9 am to 2 pm)
Credit union hours are the text each credit union filed with the NCUA, call report as of March 31, 2026; a day the filing does not mention is shown as not published, never as closed. Bank branches show hours only where the bank publishes them in a source this page uses; 9 of the 15 locations here have no published hours yet. The source and date sit under each office. Banks and credit unions often close on Federal Reserve holidays; call ahead.
Chase, Bank of America and other national banks
Which big national banks have branches in Ephrata, and where the nearest one is if they do not.
Short answer: In Ephrata: PNC Bank (1), Truist (1). No branches in Ephrata: Chase (nearest in Lititz, 7 mi), Wells Fargo (nearest in Lititz, 7 mi), Bank of America (nearest in Exton, 29 mi), U.S. Bank, Fifth Third Bank, Huntington (nearest in Jeannette, 181 mi), Regions Bank, TD Bank (nearest in Downingtown, 27 mi), BMO.
| Bank | In Ephrata | Nearest branch if none here |
|---|---|---|
| PNC Bank | 1 branch | here |
| Truist | 1 branch | here |
| Chase | None | Lititz, 7 miles away |
| Wells Fargo | None | Lititz, 7 miles away |
| Bank of America | None | Exton, 29 miles away |
| U.S. Bank | None | none in Pennsylvania |
| Fifth Third Bank | None | none in Pennsylvania |
| Huntington | None | Jeannette, 181 miles away |
| Regions Bank | None | none in Pennsylvania |
| TD Bank | None | Downingtown, 27 miles away |
| BMO | None | none in Pennsylvania |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Ephrata to the nearest branch in Pennsylvania.
What your savings could earn
National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.
Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.
| Offer | Bank | APY | Term | Minimum |
|---|---|---|---|---|
| Savings | CIT Bank | 3.75% | none | $5,000 |
| Savings | Barclays | 3.50% | none | $0 |
| Savings | Marcus by Goldman Sachs | 3.40% | none | $0 |
| CD | Synchrony Bank | 4.35% | 60 Months | $0 |
| CD | Marcus by Goldman Sachs | 4.35% | 24 Months | $500 |
| CD | American Express National Bank | 4.25% | 10 Months | $0 |
Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Ephrata residents like anyone else.
Banks near Ephrata
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Denver (6 miles) and Leola (7 miles). Lancaster, 11 miles away, has the most banks nearby: 18.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Denver, PA | 6 mi | 4 | 4 |
| Banks in Leola, PA | 7 mi | 2 | 2 |
| Banks in Lititz, PA | 7 mi | 9 | 11 |
| Banks in New Holland, PA | 7 mi | 8 | 8 |
| Banks in Schaefferstown, PA | 10 mi | 2 | 2 |
| Banks in Manheim, PA | 11 mi | 5 | 5 |
| Banks in Intercourse, PA | 11 mi | 3 | 3 |
| Banks in Lancaster, PA | 11 mi | 18 | 57 |
Bank branch openings and closings in Ephrata
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Ephrata between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Banks and credit unions based in Ephrata
Short answer: 1 institution has its main office in Ephrata: The Ephrata National Bank.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| The Ephrata National Bank | Bank | $2.39 billion | 6 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Ephrata by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Ephrata offices.
Short answer: PNC Bank is the largest bank with offices in Ephrata, with $609.77 billion in total assets on June 30, 2026, No. 8 among U.S. banks by total assets. Truist is second with $548.35 billion. 1 of the 7 bank is headquartered here. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| PNC Bank | $609.77 billion | No. 8 | 1 | Wilmington, DE |
| Truist | $548.35 billion | No. 9 | 1 | Charlotte, NC |
| Fulton Bank | $32.56 billion | No. 67 | 1 | Lancaster, PA |
| First Citizens Community Bank | $3.19 billion | No. 403 | 1 | Mansfield, PA |
| The Ephrata National Bank | $2.39 billion | No. 518 | 6 | Ephrata, PA |
| Bank of Bird-in-Hand | $1.91 billion | No. 628 | 1 | Bird In Hand, PA |
| Jonestown Bank and Trust Company, of Jonestown, Pennsylvania | $1.01 billion | No. 1,044 | 1 | Jonestown, PA |
Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.
Banks in Ephrata: FAQ
How many banks are in Ephrata, PA?
Ephrata has 7 banks with 12 branches and 3 credit unions with 3 offices, according to FDIC data as of September 5, 2026 and NCUA data as of March 31, 2026.
Which bank has the most branches in Ephrata?
The Ephrata National Bank, with 6. PNC Bank has 1 and Truist has 1.
Is there a PNC Bank in Ephrata, PA?
Yes. FDIC data lists 1 PNC Bank branch in Ephrata as of September 5, 2026. The address and directions are under PNC Bank above.
Is there a Truist in Ephrata, PA?
Yes. FDIC data lists 1 Truist branch in Ephrata as of September 5, 2026. The address and directions are under Truist above.
Is there a Chase in Ephrata, PA?
No. FDIC data lists no Chase branch in Ephrata as of September 5, 2026. The nearest is in Lititz, about 7 miles away in a straight line.
Which banks in Ephrata are open on Saturday?
PNC Bank, Truist, Fulton Bank and Members 1st Credit Union publish Saturday hours for one or more Ephrata locations. The Saturday section above lists each one with its hours. 9 of the 15 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Ephrata?
The Ephrata National Bank has its main office in Ephrata, according to the FDIC.
What is the oldest bank in Ephrata?
PNC Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1804.
Which credit unions can I join in Ephrata?
Members 1st Credit Union, Everence Credit Union and Lanco Credit Union have offices in Ephrata. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Ephrata in the past year?
FDIC branch records show no branch openings between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Where can I find more banks near Ephrata?
Nearby cities with more banks include Denver, Leola, Lititz. Denver is 6 miles away with 4 banks.
How we build this page
Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.
| Data | Source | License | Updated | Data as of |
|---|---|---|---|---|
| FDIC-insured banks: branches, main offices, total assets, dates established | FDIC BankFind Suite API | Public data (U.S. government) | Monthly import | Sep 5, 2026 |
| Credit union offices, phones and hours as filed with the NCUA, total assets | NCUA call report data | Public data (U.S. government) | Quarterly import | Mar 31, 2026 |
| Map coordinates of 3 credit union offices whose NCUA record has none, from the office address | U.S. Census Bureau Geocoder | Public data (U.S. government) | With each NCUA import | Oct 19, 2026 |
| Bank branch hours, phones and branch pages (3 of 12 branches: Fulton Bank, PNC Bank, Truist) | The banks' own branch locators, collected by All The Places | CC0 (All The Places data); each bank's locator is the primary source | Weekly spider run, monthly refresh here | Oct 10, 2026 |
| Savings and CD rates, national averages | Banrox Bank Rates | Banrox, from the banks' own rate pages and FDIC national rates | Weekly | see each rate |
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