Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
Embassy Bank for the Lehigh Valley Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: November 5, 2026
Embassy Bank for the Lehigh Valley's CD - 13-Month Promotional Rate rates are at 4.00%, CD - 7-Month Promotional Rate rates are at 3.80%, CD - 23-Month Promotional Rate rates are at 3.60%, 60-Month CD rates are at 0.40%, 12 - 17-Months 12 - 17-Month CD rates are at 0.25%. Embassy Bank for the Lehigh Valley's savings rates are at 0.30%. Embassy Bank for the Lehigh Valley's money market rates are at 0.02%. Embassy Bank for the Lehigh Valley's checking rates are as high as 0.02%. Embassy Bank for the Lehigh Valley's Gold Mortgage Purchase Money rates are at 6.125%, Blue Mortgage Refinance - 7 Years rates are at 6.125%, Blue Mortgage Refinance - 15 Years rates are at 6.375%, Blue Lot Loan Refinance rates are at 8.25%. Embassy Bank for the Lehigh Valley's Personal Loan Rates are as low as 6.276%. Embassy Bank for the Lehigh Valley's top CD rate of 4.00% APY on a 13 month CD is 33% higher than the MonitorBankRates national average of 3.02% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Embassy Bank for the Lehigh Valley with a 4.9 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.52%. Rates last updated and verified on 11/05/2026.
Embassy Bank for the Lehigh Valley money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Embassy Bank for the Lehigh Valley? Share your experience about Embassy Bank for the Lehigh Valley by leaving a review below, or read customer reviews before you decide to use Embassy Bank for the Lehigh Valley.
Embassy Bank for the Lehigh Valley has earned an overall safety grade of A+ (Exceptional, Score: 98/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective FDIC regulatory data.
MonitorBankRates Rating
?
4.9
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Embassy Bank for the Lehigh Valley has earned a Star Rating of 4.9 out of 5 stars (Exceptional).
Our proprietary rating system evaluates financial stability including the Texas Ratio and capitalization and combines it with customer feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
?
0.52%
ExcellentLower than avg
Embassy Bank for the Lehigh Valley Texas Ratio
Embassy Bank for the Lehigh Valley's Texas Ratio is 0.52%, which is considered excellent and is lower than the national average of 5.85%.
Embassy Bank for the Lehigh Valley has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
0.43% to 0.52% over 12 quarters, very strongFull history
Star Rating 3.1 to 4.9, Health Grade B- to A+
The Texas Ratio for this bank has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.
Embassy Bank for the Lehigh Valley CD Rates
Product
Rate
APY
Term
View More
CD - 13-Month Promotional Rate
3.92%
4.00%
13-Month
Min Balance$500
DetailsPromotional rate; applies only to newly-opened Promotional Certificates of Deposit; minimum daily balance of $500 to earn APY
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
IRA CD - 13-Month Promotional Rate
3.92%
4.00%
13-Month
Min Balance$500
DetailsPromotional rate; applies only to newly-opened Promotional Certificates of Deposit; Minimum daily balance of $500 to earn APY; Early withdrawal penalty may apply
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
CD - 7-Month Promotional Rate
3.73%
3.80%
7-Month
Min Balance$500
DetailsPromotional rate; applies only to newly-opened Promotional Certificates of Deposit; minimum daily balance of $500 to earn APY
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
IRA CD - 7-Month Promotional Rate
3.73%
3.80%
7-Month
Min Balance$500
DetailsPromotional rate; applies only to newly-opened Promotional Certificates of Deposit; Minimum daily balance of $500 to earn APY; Early withdrawal penalty may apply
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
CD - 23-Month Promotional Rate
3.53%
3.60%
23-Month
Min Balance$500
DetailsPromotional rate; applies only to newly-opened Promotional Certificates of Deposit; minimum daily balance of $500 to earn APY
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
IRA CD - 23-Month Promotional Rate
3.53%
3.60%
23-Month
Min Balance$500
DetailsPromotional rate; applies only to newly-opened Promotional Certificates of Deposit; Minimum daily balance of $500 to earn APY; Early withdrawal penalty may apply
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 3.60% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
60-Month CD
0.39%
0.40%
60 Months
Min Balance$500
DetailsMinimum daily balance of $500 to earn APY; Early withdrawal penalty may apply
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 0.40% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
IRA CD - 60-month
0.39%
0.40%
60 Months
Min Balance$500
DetailsMinimum daily balance of $500 to earn APY; Early withdrawal penalty may apply
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 0.40% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
12 - 17-Month CD
0.24%
0.25%
12 - 17 Months
Min Balance$500
DetailsMinimum daily balance of $500 to earn APY; Early withdrawal penalty may apply
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 0.25% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
18 - 22-Month CD
0.24%
0.25%
18 - 22 Months
Min Balance$500
DetailsMinimum daily balance of $500 to earn APY; Early withdrawal penalty may apply
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 0.25% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
24 - 35-Month CD
0.24%
0.25%
24 - 35 Months
Min Balance$500
DetailsMinimum daily balance of $500 to earn APY; Early withdrawal penalty may apply
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 0.25% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
36 - 47-Month CD
0.24%
0.25%
36 - 47 Months
Min Balance$500
DetailsMinimum daily balance of $500 to earn APY; Early withdrawal penalty may apply
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 0.25% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
48 - 59-Month CD
0.24%
0.25%
48 - 59 Months
Min Balance$500
DetailsMinimum daily balance of $500 to earn APY; Early withdrawal penalty may apply
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 0.25% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
IRA CD - 12 - 17-month
0.24%
0.25%
12-17 months
Min Balance$500
DetailsMinimum daily balance of $500 to earn APY; Early withdrawal penalty may apply
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 0.25% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
IRA CD - 18 - 22-month
0.24%
0.25%
18-22 months
Min Balance$500
DetailsMinimum daily balance of $500 to earn APY; Early withdrawal penalty may apply
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 0.25% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
IRA CD - 24 - 35-month
0.24%
0.25%
24-35 months
Min Balance$500
DetailsMinimum daily balance of $500 to earn APY; Early withdrawal penalty may apply
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 0.25% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
IRA CD - 36 - 47-month
0.24%
0.25%
36-47 months
Min Balance$500
DetailsMinimum daily balance of $500 to earn APY; Early withdrawal penalty may apply
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 0.25% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
IRA CD - 48 - 59-month
0.24%
0.25%
48-59 months
Min Balance$500
DetailsMinimum daily balance of $500 to earn APY; Early withdrawal penalty may apply
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 0.25% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
30 - 90 Day CD
0.09%
0.10%
30 - 90 Days
Min Balance$500
DetailsMinimum daily balance of $500 to earn APY; Early withdrawal penalty may apply
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 0.10% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
4 - 8-Month CD
0.09%
0.10%
4 - 8 Months
Min Balance$500
DetailsMinimum daily balance of $500 to earn APY; Early withdrawal penalty may apply
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 0.10% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
7 Day CD
0.09%
0.10%
7 Days
Min Balance$500
DetailsMinimum daily balance of $500 to earn APY; Early withdrawal penalty may apply
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 0.10% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
9 - 11-Month CD
0.09%
0.10%
9 - 11 Months
Min Balance$500
DetailsMinimum daily balance of $500 to earn APY; Early withdrawal penalty may apply
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 0.10% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
IRA CD - 6 - 8-month
0.09%
0.10%
6-8 months
Min Balance$500
DetailsMinimum daily balance of $500 to earn APY; Early withdrawal penalty may apply
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 0.10% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
IRA CD - 9 - 11-month
0.09%
0.10%
9-11 months
Min Balance$500
DetailsMinimum daily balance of $500 to earn APY; Early withdrawal penalty may apply
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 0.10% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
Embassy Bank for the Lehigh Valley Business CD Rates
Product
Rate
APY
Term
View More
Business 12 - 17-Month CD
0.14%
0.15%
12 - 17 Months
No additional details.
Last Updated11/05/2026
Rate History
No change since Nov 5, 2026 · 0.15% APY
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
Business 18 - 23-Month CD
0.14%
0.15%
18 - 23 Months
No additional details.
Last Updated11/05/2026
Rate History
No change since Nov 5, 2026 · 0.15% APY
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
Embassy Bank for the Lehigh Valley Savings Rates
Product
Rate
APY
View More
Ingot Savings
0.29%
0.30%
DetailsBalance: All Balances
Last Updated11/05/2026
Rate History
No change since Oct 7, 2026 · 0.30% APY · checked 8 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
Young Savers
0.02%
0.02%
DetailsBalance: All Balances; Rate may vary and interest compounds monthly.
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
Embassy Bank for the Lehigh Valley Business Money Market Rates
Product
Rate
APY
View More
Business Money Market
0.02%
0.02%
Min Balance$500,000
DetailsBalance: $500,000.00 and up; Rate may vary and is paid on full daily balance for applicable tier. Interest compounds monthly.
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
Business Money Market
0.02%
0.02%
Min Balance$250,000
DetailsBalance: $250,000.00 - $499,999.99; Rate may vary and is paid on full daily balance for applicable tier. Interest compounds monthly.
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
Business Money Market
0.02%
0.02%
Min Balance$100,000
DetailsBalance: $100,000.00 - $249,999.99; Rate may vary and is paid on full daily balance for applicable tier. Interest compounds monthly.
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
Business Money Market
0.02%
0.02%
Min Balance$25,000
DetailsBalance: $25,000.00 - $99,999.00; Rate may vary and is paid on full daily balance for applicable tier. Interest compounds monthly.
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
Business Money Market
0.02%
0.02%
Min Balance$0
DetailsBalance: $0.00 - $24,999.99; Rate may vary and is paid on full daily balance for applicable tier. Interest compounds monthly.
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
Embassy Bank for the Lehigh Valley Checking Rates
Product
Rate
APY
View More
Enterprise Interest Checking
0.02%
0.02%
Min Balance$25,000
DetailsBalance: $25,000.00 and up; Rate may vary and is paid on full daily balance for applicable tier. Interest compounds monthly. Fees may reduce earnings.
Last Updated11/05/2026
Rate History
No change since Sep 29, 2026 · 0.02% APY · checked 8 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
Enterprise Non-Profit Interest Checking
0.02%
0.02%
Min Balance$5,000
DetailsBalance: $5,000.00 and up; Special account for IRS 501(c)(3) companies. Rate may vary and interest compounds monthly.
Last Updated11/05/2026
Rate History
No change since Sep 29, 2026 · 0.02% APY · checked 10 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
Enterprise Non-Profit Interest Checking
0.00%
0.00%
Min Balance$0
DetailsBalance: $0.00 - $4,999.99; Special account for IRS 501(c)(3) companies. Rate may vary and interest compounds monthly.
Last Updated11/05/2026
Rate History
No change since Sep 29, 2026 · 0.02% APY · checked 9 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
Embassy Bank for the Lehigh Valley Mortgage Rates
Product
Rate
Points
APR
Term
View More
Gold Mortgage Purchase Money
6.125%
-
6.153%
10 Years
DetailsLehigh or Northampton County Only; Bi-Weekly w/ Autopay; 1st Lien Only, 80% LTV; add .50% without autopay; add .25% for 81-90% LTV
Last Updated11/05/2026
Rate History
No change since Oct 7, 2026 · 6.15% APR · checked 7 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
Gold Mortgage Purchase Money
6.125%
-
6.166%
10 Years
DetailsLehigh or Northampton County Only; Monthly w/ Autopay; 1st Lien Only, 80% LTV; add .50% without autopay; add .25% for 81-90% LTV
Last Updated11/05/2026
Rate History
1 change since Oct 7, 2026 · 6.15% → 6.17% ▲ 0.01 pts · high 6.17% / low 6.15%
Oct 20, 20266.17%▲ from 6.15%
Oct 7, 20266.15%first recorded
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
Blue Mortgage Refinance - 7 Years
6.125%
-
6.251%
7 Years
Details1st Lien Only, 80% Loan to Value Ratio; Monthly w/ Autopay; Final Balloon Payment (Based on $100,000 Loan Amount): $90,430.94; Available for 1-4 family owner-occupied dwellings in Lehigh or Northampton County up to $550,000 with automatic payment from an Embassy Bank checking account (add .50% for loans without automatic payment); add .25% for 81-90% LTV
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 6.25% APR · checked 5 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
Gold Mortgage Purchase Money
6.375%
-
6.388%
15 Years
DetailsLehigh or Northampton County Only; Bi-Weekly w/ Autopay; 1st Lien Only, 80% LTV; add .50% without autopay; add .25% for 81-90% LTV
Last Updated11/05/2026
Rate History
No change since Oct 7, 2026 · 6.39% APR · checked 7 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
Gold Mortgage Purchase Money
6.375%
-
6.404%
15 Years
DetailsLehigh or Northampton County Only; Monthly w/ Autopay; 1st Lien Only, 80% LTV; add .50% without autopay; add .25% for 81-90% LTV
Last Updated11/05/2026
Rate History
1 change since Oct 7, 2026 · 6.39% → 6.40% ▲ 0.02 pts · high 6.40% / low 6.39%
Oct 20, 20266.40%▲ from 6.39%
Oct 7, 20266.39%first recorded
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
Blue Mortgage Refinance - 15 Years
6.375%
-
6.454%
15 Years
Details1st Lien Only, 80% Loan to Value Ratio; Monthly w/ Autopay; Final Balloon Payment (Based on $100,000 Loan Amount): $72,796.56; Available for 1-4 family owner-occupied dwellings in Lehigh or Northampton County up to $550,000 with automatic payment from an Embassy Bank checking account (add .50% for loans without automatic payment); add .25% for 81-90% LTV
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 6.45% APR · checked 5 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
Gold Mortgage Purchase Money
6.95%
-
6.955%
20 Years
DetailsLehigh or Northampton County Only; Bi-Weekly w/ Autopay; 1st Lien Only, 80% LTV; add .50% without autopay; add .25% for 81-90% LTV
Last Updated11/05/2026
Rate History
No change since Oct 7, 2026 · 6.96% APR · checked 7 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
Gold Mortgage Purchase Money
6.95%
-
6.973%
20 Years
DetailsLehigh or Northampton County Only; Monthly w/ Autopay; 1st Lien Only, 80% LTV; add .50% without autopay; add .25% for 81-90% LTV
Last Updated11/05/2026
Rate History
1 change since Oct 7, 2026 · 6.96% → 6.97% ▲ 0.02 pts · high 6.97% / low 6.96%
Oct 20, 20266.97%▲ from 6.96%
Oct 7, 20266.96%first recorded
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
Gold Mortgage Purchase Money
7.125%
-
7.126%
25 Years
DetailsLehigh or Northampton County Only; Bi-Weekly w/ Autopay; 1st Lien Only, 80% LTV; add .50% without autopay; add .25% for 81-90% LTV
Last Updated11/05/2026
Rate History
No change since Oct 7, 2026 · 7.13% APR · checked 7 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
Blue Lot Loan Refinance
8.25%
-
8.379%
5 Years
DetailsMonthly w/ Autopay; 1st Lien Only, 80% Loan to Value Ratio; Final balloon payment $96,035.04 (based on $100,000 loan amount); Payments based on 30-year amortization; Available for qualified lots located in Lehigh or Northampton County; up to $550,000; automatic payment from Embassy Bank checking required (add .50% to posted rates without autopay); maximum LTV 80%; APR based on $100,000 loan amount; Title Insurance may be required; rates locked 60 days from application; loans subject to credit approval
Last Updated11/05/2026
Rate History
No change since Oct 7, 2026 · 8.38% APR · checked 8 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
Blue Lot Loan Refinance
8.50%
-
8.58%
10 Years
DetailsMonthly w/ Autopay; 1st Lien Only, 80% Loan to Value Ratio; Final balloon payment $89,371.86 (based on $100,000 loan amount); Payments based on 30-year amortization; Available for qualified lots located in Lehigh or Northampton County; up to $550,000; automatic payment from Embassy Bank checking required (add .50% to posted rates without autopay); maximum LTV 80%; APR based on $100,000 loan amount; Title Insurance may be required; rates locked 60 days from application; loans subject to credit approval
Last Updated11/05/2026
Rate History
No change since Oct 7, 2026 · 8.58% APR · checked 8 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
Embassy Bank for the Lehigh Valley Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Installment Loan - 36 Months
4.99%
-
4.99%
36 Months
DetailsBi-Weekly w/ Autopay: Rate 4.99%, APR 4.99%, Bi-Weekly Payment per $1,000 Borrowed $14.98; Monthly w/ Autopay: Rate 4.99%, APR 4.99%, Monthly Payment per $1,000 Borrowed $29.97; 80% Combined Loan to Value Ratio; Available for $5,000 - $250,000 loans secured by 2nd lien position on 1-4 family owner-occupied dwellings 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); APR based on $100,000 loan amount
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 4.99% APR · checked 5 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
Home Equity Installment Loan - 60 Months
5.49%
-
5.49%
60 Months
DetailsBi-Weekly w/ Autopay: Rate 5.49%, APR 5.49%, Bi-Weekly Payment per $1,000 Borrowed $9.55; Monthly w/ Autopay: Rate 5.49%, APR 5.49%, Monthly Payment per $1,000 Borrowed $19.10; 80% Combined Loan to Value Ratio; Available for $5,000 - $250,000 loans secured by 2nd lien position on 1-4 family owner-occupied dwellings 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); APR based on $100,000 loan amount
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 5.49% APR · checked 5 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
Home Equity Installment Loan - 120 Months
6.49%
-
6.49%
120 Months
DetailsBi-Weekly w/ Autopay: Rate 6.49%, APR 6.49%, Bi-Weekly Payment per $1,000 Borrowed $5.67; Monthly w/ Autopay: Rate 6.49%, APR 6.49%, Monthly Payment per $1,000 Borrowed $11.35; 80% Combined Loan to Value Ratio; Available for $5,000 - $250,000 loans secured by 2nd lien position on 1-4 family owner-occupied dwellings 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); APR based on $100,000 loan amount
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 6.49% APR · checked 5 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
Home Equity Installment Loan - 180 Months
6.74%
-
6.74%
180 Months
DetailsBi-Weekly w/ Autopay: Rate 6.74%, APR 6.74%, Bi-Weekly Payment per $1,000 Borrowed $4.42; Monthly w/ Autopay: Rate 6.74%, APR 6.74%, Monthly Payment per $1,000 Borrowed $8.84; 80% Combined Loan to Value Ratio; Available for $5,000 - $250,000 loans secured by 2nd lien position on 1-4 family owner-occupied dwellings 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); APR based on $100,000 loan amount
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 6.74% APR · checked 5 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
Embassy Bank for the Lehigh Valley Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Gold Mortgage Refinance - Bi-Weekly w/ Autopay
6.125%
-
6.276%
10 Years
Details1st Lien Only, 80% Loan to Value Ratio; Lehigh or Northampton County owner-occupied 1-4 family; up to $550,000; add .50% to rate without automatic payment; add .25% for 81-90% LTV
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 6.28% APR · checked 5 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
Gold Mortgage Refinance - Monthly w/ Autopay
6.125%
-
6.277%
10 Years
Details1st Lien Only, 80% Loan to Value Ratio; Lehigh or Northampton County owner-occupied 1-4 family; up to $550,000; add .50% to rate without automatic payment; add .25% for 81-90% LTV
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 6.28% APR · checked 5 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
Gold Mortgage Refinance - Bi-Weekly w/ Autopay
6.375%
-
6.476%
15 Years
Details1st Lien Only, 80% Loan to Value Ratio; Lehigh or Northampton County owner-occupied 1-4 family; up to $550,000; add .50% to rate without automatic payment; add .25% for 81-90% LTV
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 6.48% APR · checked 5 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
Gold Mortgage Refinance - Monthly w/ Autopay
6.375%
-
6.484%
15 Years
Details1st Lien Only, 80% Loan to Value Ratio; Lehigh or Northampton County owner-occupied 1-4 family; up to $550,000; add .50% to rate without automatic payment; add .25% for 81-90% LTV
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 6.48% APR · checked 5 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
Gold Mortgage Refinance - Bi-Weekly w/ Autopay
6.95%
-
7.028%
20 Years
Details1st Lien Only, 80% Loan to Value Ratio; Lehigh or Northampton County owner-occupied 1-4 family; up to $550,000; add .50% to rate without automatic payment; add .25% for 81-90% LTV
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 7.03% APR · checked 5 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
Gold Mortgage Refinance - Monthly w/ Autopay
6.95%
-
7.038%
20 Years
Details1st Lien Only, 80% Loan to Value Ratio; Lehigh or Northampton County owner-occupied 1-4 family; up to $550,000; add .50% to rate without automatic payment; add .25% for 81-90% LTV
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 7.04% APR · checked 5 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
Gold Mortgage Refinance - Bi-Weekly w/ Autopay
7.125%
-
7.19%
25 Years
Details1st Lien Only, 80% Loan to Value Ratio; Lehigh or Northampton County owner-occupied 1-4 family; up to $550,000; add .50% to rate without automatic payment; add .25% for 81-90% LTV
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 7.19% APR · checked 5 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
New Auto Loan
7.99%
-
7.99%
60 Months
DetailsModel Year: 2027 - 2026; Rate/APR with automatic payment (add .50% for loans without automatic payment); Loans subject to credit approval
Last Updated11/05/2026
Rate History
No change since Sep 29, 2026 · 7.99% APR · checked 10 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
New Auto Loan
8.49%
-
8.49%
72 Months
DetailsModel Year: 2027 - 2026; Rate/APR with automatic payment (add .50% for loans without automatic payment); Loans subject to credit approval
Last Updated11/05/2026
Rate History
No change since Sep 29, 2026 · 8.49% APR · checked 10 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
Used Auto Loan
8.49%
-
8.49%
60 Months
DetailsModel Year: 2026 - 2024; Rate/APR with automatic payment from an Embassy Bank checking account (.50% discount; add .50% without automatic payment); Lehigh Valley
Last Updated11/05/2026
Rate History
No change since Sep 29, 2026 · 8.49% APR · checked 10 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
Gold Lot Loan Refinance - 15 Years Bi-Weekly w/ Autopay
8.75%
-
8.825%
15 Years
DetailsPayment: Bi-Weekly w/ Autopay; 1st Lien Only, 80% Loan to Value Ratio; Available for qualified lots in Lehigh or Northampton County up to $550,000; Maximum loan-to-value ratio 80%; add .50% to posted rates without automatic payment; APR based on $100,000 loan amount
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 8.83% APR · checked 5 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
Gold Lot Loan Refinance - 15 Years Monthly w/ Autopay
8.75%
-
8.838%
15 Years
DetailsPayment: Monthly w/ Autopay; 1st Lien Only, 80% Loan to Value Ratio; Available for qualified lots in Lehigh or Northampton County up to $550,000; Maximum loan-to-value ratio 80%; add .50% to posted rates without automatic payment; APR based on $100,000 loan amount
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 8.84% APR · checked 5 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
Older Used Auto Loan
9.49%
-
9.49%
48 Months
DetailsModel Year: 2023 - 2020; Rate/APR with automatic payment; Rates with automatic payment include .50% discount for payments from an Embassy Bank checking account; Lehigh Valley
Last Updated11/05/2026
Rate History
No change since Sep 29, 2026 · 9.49% APR · checked 10 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
Embassy Bank for the Lehigh Valley Other Rates
Product
Rate
Points
APY/APR
Term
View More
Blue Lot Loan Purchase Money - 10 Years
8.50%
-
8.519%
10 Years
Details1st Lien Only; 80% Loan to Value Ratio; Payments based on 30-year amortization; Available for qualified lots in Lehigh or Northampton County up to $550,000; Automatic payment from Embassy Bank checking account (add .50% to posted rate without automatic payment); Balloon payment at end of term; APR based on $100,000 loan amount
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 8.52% APR · checked 5 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
Blue Lot Loan Purchase Money - 5 Years
8.25%
-
8.281%
5 Years
Details1st Lien Only; 80% Loan to Value Ratio; Payments based on 30-year amortization; Available for qualified lots in Lehigh or Northampton County up to $550,000; Automatic payment from Embassy Bank checking account (add .50% to posted rate without automatic payment); Balloon payment at end of term; APR based on $100,000 loan amount
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 8.28% APR · checked 5 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
Gold Lot Loan Purchase Money - 15 Years Bi-Weekly
8.75%
-
8.888%
15 Years
DetailsPayment frequency: Bi-Weekly w/ Autopay; 1st Lien Only, 80% Loan to Value; qualified lots in Lehigh or Northampton County up to $550,000; add .50% to posted rate without automatic payment; APR based on $100,000 loan amount; Title Insurance may be required; rates locked 60 days from application
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 8.89% APR · checked 5 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
Gold Lot Loan Purchase Money - 15 Years Monthly
8.75%
-
8.771%
15 Years
DetailsPayment frequency: Monthly w/ Autopay; 1st Lien Only, 80% Loan to Value; qualified lots in Lehigh or Northampton County up to $550,000; add .50% to posted rate without automatic payment; APR based on $100,000 loan amount; Title Insurance may be required; rates locked 60 days from application
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 8.77% APR · checked 5 times
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.52%
Financial Health History
Embassy Bank for the Lehigh Valley’s Texas Ratio stayed near 0.43% in Q3 2023 to 0.52% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 3.1 to 4.9 and its Health Grade from B- to A+. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$1.9B
0.52%
4.9
A+
March 31, 2026
$1.8B
0.38%
4.8
A+
December 31, 2025
$1.8B
0.38%
5.0
A+
September 30, 2025
$1.8B
0.41%
4.9
A+
June 30, 2025
$1.8B
0.43%
4.5
A
March 31, 2025
$1.8B
0.42%
4.4
A
December 31, 2024
$1.7B
0.47%
4.2
A-
September 30, 2024
$1.7B
1.06%
4.7
A
June 30, 2024
$1.7B
0.77%
4.0
B+
March 31, 2024
$1.7B
0.24%
4.3
A-
December 31, 2023
$1.7B
0.35%
4.4
A
September 30, 2023
$1.7B
0.43%
3.1
B-
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating:
Our rating for Embassy Bank for the Lehigh Valley is derived from comprehensive financial data published quarterly by the FDIC.
Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.
Texas Ratio:
We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation:
We gather Embassy Bank for the Lehigh Valley rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Embassy Bank for the Lehigh Valley's official website for the most current offers and terms.
Address
100 Gateway Dr,
Bethlehem, PA 18017 · Northampton
Bank Holding CompanyEMBASSY BCORP INC
FDIC Certificate #57228
RegulatorFDIC
EstablishedNovember 6, 2001
FDIC Insurance DateNovember 6, 2001
Domestic Offices10
Total Branches10
FDIC Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
4.9 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
0.52%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
0.8920%
Return on Equity (ROE)
12.9300%
Non-Performing Loans Ratio (NPL)
0.04%
Total Assets
$1,860,416,000
Total Deposits
$1,698,344,000
Equity Capital
$127,802,000
Net Income
$8,183,000
Headquarters
Bethlehem
Total Branches and Offices
10
Source: FDIC — Last Updated June 30, 2026
2026 MBR Health & Safety Badge
Embassy Bank for the Lehigh Valley earned the Verified Healthy badge
Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
There are no reviews for Embassy Bank for the Lehigh Valley yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Embassy Bank for the Lehigh Valley
Frequently Asked Questions About Embassy Bank for the Lehigh Valley
Does Embassy Bank for the Lehigh Valley offer CDs?
Yes. Embassy Bank for the Lehigh Valley current CD rates include its CD - 13-Month Promotional Rate at 4.00% APY, its CD - 7-Month Promotional Rate at 3.80% APY and its CD - 23-Month Promotional Rate at 3.60% APY, verified by MonitorBankRates as of November 5, 2026.
Are CDs from Embassy Bank for the Lehigh Valley FDIC insured?
Yes. Embassy Bank for the Lehigh Valley is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at Embassy Bank for the Lehigh Valley?
The highest Embassy Bank for the Lehigh Valley CD rate is its Certificate of Deposit - 13-Month Promotional Rate at 4.00% APY, verified by MonitorBankRates as of November 5, 2026.
What CD terms does Embassy Bank for the Lehigh Valley offer?
Embassy Bank for the Lehigh Valley CD rates are 3.80% APY for a 7 month CD, 0.10% APY for a 12 month CD, 4.00% APY for a 13 month CD, 0.25% APY for a 17 month CD, 0.15% APY for an 18 month CD, 3.60% APY for a 23 month CD, 0.15% APY for a 2 year CD, 0.25% APY for a 3 year CD, 0.25% APY for a 4 year CD and 0.40% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Embassy Bank for the Lehigh Valley for its full lineup.
What is the highest savings rate at Embassy Bank for the Lehigh Valley?
The highest Embassy Bank for the Lehigh Valley savings rate is its Ingot Savings at 0.30% APY, verified by MonitorBankRates as of November 5, 2026.
What is the highest money market rate at Embassy Bank for the Lehigh Valley?
The highest Embassy Bank for the Lehigh Valley money market rate is its Business Money Market at 0.02% APY, verified by MonitorBankRates as of November 5, 2026.
What is the highest checking rate at Embassy Bank for the Lehigh Valley?
The highest Embassy Bank for the Lehigh Valley checking rate is its Enterprise Interest Checking at 0.02% APY, verified by MonitorBankRates as of November 5, 2026.
What is the lowest mortgage rate at Embassy Bank for the Lehigh Valley?
The lowest Embassy Bank for the Lehigh Valley mortgage rate is its Gold Mortgage Purchase Money at 6.125%, verified by MonitorBankRates as of November 5, 2026. Embassy Bank for the Lehigh Valley mortgage rates are 6.375% for a 15 year mortgage and 6.125% for a 7 year mortgage.
What is the lowest auto loan rate at Embassy Bank for the Lehigh Valley?
The lowest Embassy Bank for the Lehigh Valley auto loan rate is its New Auto Loan at 7.99%, verified by MonitorBankRates as of November 5, 2026.
How many branches does Embassy Bank for the Lehigh Valley operate?
Embassy Bank for the Lehigh Valley currently maintains approximately 10 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is there a first-time homebuyer program?
Currently, Embassy Bank for the Lehigh Valley does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.
Are credit management and repair services offered?
While formal credit repair services are not currently listed, Embassy Bank for the Lehigh Valley provides members with tools to manage their accounts and build a solid financial history.
Does Embassy Bank for the Lehigh Valley offer online and mobile banking?
Most modern institutions like Embassy Bank for the Lehigh Valley provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.embassybank.com.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do Embassy Bank for the Lehigh Valley rates compare?
Embassy Bank for the Lehigh Valley's top CD rate of 4.00% APY on a 13 month CD is 33% higher than the MonitorBankRates national average of 3.02% APY for that term, and it has an A+ health rating. Embassy Bank for the Lehigh Valley's top rates are its Certificate of Deposit - 13-Month Promotional Rate at 4.00% APY, its Ingot Savings at 0.30% APY, its Business Money Market at 0.02% APY, its Enterprise Interest Checking at 0.02% APY, its Gold Mortgage Purchase Money at 6.125% and its Gold Mortgage Refinance - Bi-Weekly w/ Autopay at 6.276% APR, verified by MonitorBankRates on November 5, 2026.
Current Embassy Bank for the Lehigh Valley Rates
12-Month CD0.10%
18-Month CD0.15%
24-Month CD0.15%
36-Month CD0.25%
48-Month CD0.25%
60-Month CD0.25%
Savings0.30%
MMA0.02%
Retrieved from our database of financial products. Rates subject to change.