Account Details | IN MI Certificates

Requires just $500 to open.
Fixed rates are locked in for guaranteed growth opportunities.
Flexible terms (from 6 to 72 months) allow you to choose your best option.
Earned dividends can be compounded within the certificate or you can choose to transfer them to another Everwise account.
Funds are protected under the NCUA up to $250,000.

Everwise membership is required.
Minimum opening deposit of $500 required.
APY applies to balances of $500+; dividends must stay in the account for the full term to earn APY.
Subject to early withdrawal penalties, a 5-business day hold on ACH, debit, or credit card funding.
Membership eligibility applies; terms and rates may change without notice.

Membership Eligibility:

Anyone that lives or works in the Indiana or Michigan counties or townships we serve is eligible for membership. See details below.
Immediate family member of an existing Everwise Credit Union member. See details below.

Indiana Eligibility:

All Indiana counties, except Marion County, which goes by township. OR
Immediate family member is an existing Everwise Credit Union member. Immediate family members are defined as parents, spouse, children, step/adopted/foster children, brothers, sisters, aunts/uncles, nieces/nephews, grandparents, grandchildren, father/mother-in-law, son/daughter-in-law, and brother/sister-in-law.

Michigan Eligibility:

Live in Berrien and Cass Counties in Michigan. Townships in Oakland & Macomb Counties: Bloomfield, West Bloomfield, Commerce, Clinton, and Macomb townships. OR
Immediate family member - parent, child, or sibling - who lives in the same household as an existing Everwise Credit Union member. Immediate family members are defined by blood or marriage and include father, mother, son, daughter, brother, sister, or spouse. OR
Nonfamily member who is a dependent of the member according to tax filings and lives in the same household.

Subject to membership eligibility requirements.

Certificate Details