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Why Everwise

Everwise helps Indiana and Michigan residents save more, borrow smarter, and feel confident about their money. 

Everwise teller helping a member
The Credit Union Difference

Banking that puts you first — because you own it.

As a member-owned credit union, we don’t answer to Wall Street shareholders. We answer to you. That means our profits go back to members through better rates, lower fees, and rewards that matter.

Lower Fees

We keep costs down so you keep more of your money.

Better Rates

Earn more on savings and pay less on loans.

Personalized Service

Online or in a branch, we'll help you make the best financial decisions for your life.

How we gave back in 2025:

15x

the national average on savings rates.*

5,000+

volunteer hours served in our communities.

$10,000,000

saved by members using Round-Up Savings.

$900,000+

awarded to 225 local organizations.

20x

the national average rate with Max Checking.*

$7,590,000

returned to members in debit card cash back.

$205,895

earned in cash bonuses and referral rewards.

Bank how you want, where you want.

  • Bank from anywhere: easily manage your money any time with our mobile app and online banking.
  • Local access: over 700 surcharge-free ATMs in Indiana and Michigan, plus a huge nationwide ATM network.
  • In-person support: 50 local branches are here when you want a face-to-face conversation.
members family in car winter with mug
Membership Eligibility

Who can join Everwise Credit Union?

If you live or work in Indiana or Michigan, you're likely eligible to join. 

  • Indiana: We serve residents in all Indiana counties (excluding Marion County, which goes by township).
  • Michigan: We serve residents of Berrien and Cass Counties, and Bloomfield, West Bloomfield, Commerce, Clinton, and Macomb townships.
  • Immediate family of a current member qualifies, too.
  • No complicated requirements — just a community built around you.
Banking With Confidence

Ready to grow into your dreams?

Join the hundreds of thousands of your neighbors who bank with confidence.

Become a Member Today

* Based on comparison to the national credit union savings account average of 0.19% APY as of 12/28/2025, National Credit Union Administration.

Subject to membership eligibility requirements. Loans subject to credit approval. Borrower must be a resident of Indiana or Michigan, and for home loans property must be in Indiana or Michigan. All credit union programs, rates, terms, and conditions may change without notice.