College Real Rewards Card — Ephrata National Bank is a personal credit card from Ephrata National Bank. The ongoing APR is Intro APR * for Purchases and Balance Transfers: 0% introductory APR for the first 6 billing cycles. After that, Signature Real Rewards: 17.99% to 28.24% based on your creditworthiness when you open your account. Platinum Real Rewards: 17.99% to 28.24% based on your creditworthiness when you open your account..