Savings Accounts

Kids and mom having fun

Choose the type of savings account you’re looking for.

Featured savings rates

As high as 4.00% APY* on Certificates

Certificates

As high as 3.00% APY* on Boost Savings

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As high as 2.92% APY* on Money Markets

Learn More

web-icon__rate-chart High-Yield Accounts

Certificates

Best for: Guaranteed returns

  • Opening deposit: $500
  • Rate type: Fixed rate for full term
  • Additional details: Early withdrawal penalties may apply

Benefits:

  • Fixed terms ranging from short to long term.
  • Higher rates than traditional savings.
  • Guaranteed returns when held to maturity.

Learn more about Certificates >

Open a Certificate

Boost High-Yield Savings

Best for: Maximizing earnings

  • Opening deposit: None required
  • To earn dividends: $2,000+ in monthly direct deposits† to an Everwise checking account

Benefits:

  • Earn 3.00% APY*
  • No monthly fees or minimum balance requirements.
  • Unlimited transfers and withdrawals.
Open Boost Savings

Ultra Money Market

Best for: High-balance flexibility

  • Opening deposit: $50,000
  • To earn dividends: Maintain $50,000 daily balance and meet qualifications
  • Promotional rate: See current offer.
  • Relationship requirement: $100,000 combined Everwise relationship.

Benefits:

  • Limited-time 0.50% rate boost through December 31, 2026. ‡
  • Unlimited transfers and withdrawals.
  • Open in branch or schedule an appointment.
Talk to us

web-icon__piggy-bank Standard Accounts

Primary Savings

Best for: Everyday saving

  • Opening deposit: $5
  • To earn dividends: $2,500 average daily balance
  • Additional details: $5 balance required to maintain membership. Tiered dividend structure.

Benefits:

  • Earns dividends on your balance.
  • Provides access to all other Everwise services, including loans and checking.
Open Primary Savings

Choice Savings

Best for: Saving for goals

  • Opening deposit: None required
  • To earn dividends: $2,500 average daily balance 
  • Additional details: Tiered dividend structure

Benefits:

  • Easily open multiple goal-based savings accounts (for example, Home, Auto, Kids)
  • Earns dividends.
  • Visual progress tracking in digital banking.
Open Choice Savings

Premium Money Market

Best for: Higher balances

Benefits:

  • Higher earning potential than regular savings.
  • No term commitment.
  • Online and mobile access to funds.
Open Premium Money Market

web-icon__invest Tax-Advantaged Savings

Traditional/Roth IRA

Best for: Retirement savings

Build retirement savings with flexible IRA options designed to help your money grow smarter.

  • Traditional IRAs: annual contributions are often tax-deferred.
  • Roth IRAs: contributions are taxed up-front so there are no taxes on qualified distributions.
  • IRA Savings Accounts: you can set up automatic deposits of $25 or more each month and earn dividends on your balance.
  • IRA Certificates: you choose one of several investment terms and earn dividends with a higher rate.
Talk to us

Health Savings Account

Best for: Healthcare expenses

Save for healthcare expenses with tax-advantaged growth and long-term savings potential.

  • Triple tax advantages on contributions, growth, and withdrawals.
  • Funds roll over year to year.
  • Debit card access for qualified expenses.
  • Option to earn dividends or invest long term.

Learn more about HSAs

Open an HSA

web-icon__lightbulb Smart Saving Tools

Round-Up Savings

Best for: Effortless saving

  • Automatically rounds up debit card purchases to the nearest dollar and transfers spare change into your savings account.
  • Works seamlessly between checking and savings accounts.
  • An easy way to save passively.
  • Sign up in online banking or the mobile app.
Open in online banking

Kids Club Savings

Best for: Saving for kids

A fun and rewarding way for kids to start saving and build financial confidence.

  • Designed for kids up to age 12. 
  • Parent or guardians simply open a membership with the child as the primary account owner.
  • Earns dividends.
  • Encourages early financial education.
  • Includes a piggy bank at account opening.
Talk to us

Rates

Primary Share Savings

Primary Share Savings
Less than $2,500
Rate
0.00%
APY
0.00%
$2,500-$9,999.99
Rate
0.05%
APY
0.05%
$10,000-$99,999.99
Rate
0.10%
APY
0.10%
$100,000 and greater
Rate
0.15%
APY
.015%

APY = Annual Percentage Yield. APY accurate as of last dividend declaration date. Rate may change after the account is opened. Fees may reduce earnings.

Choice Savings

Choice Savings
Less than $2,500
Rate
0.00%
APY
0.00%
$2,500-$9,999.99
Rate
0.05%
APY
0.05%
$10,000-$99,999.99
Rate
0.10%
APY
0.10%
$100,000 and greater
Rate
0.15%
APY
0.15%

APY = Annual Percentage Yield. APY accurate as of last dividend declaration date. Rate may change after the account is opened. Fees may reduce earnings.

IRA Share Savings

IRA Share Savings
No minimum
Rate
0.25%
APY
0.25%

APY = Annual Percentage Yield. APY accurate as of last dividend declaration date. Rate may change after the account is opened. Fees may reduce earnings.

Boost High-Yield Savings

Boost High-Yield Savings
No Minimum
Rate
2.96%
APY
3.00%

APY = Annual Percentage Yield. APY accurate as of last dividend declaration date. Rate may change after the account is opened. Dividends will be paid monthly on your Boost Savings account balance if you have direct deposits totaling at least $2,000 going into a consumer checking account (excluding HSAs) under the same Everwise membership as the Boost Savings during the prior dividend period. Dividends will be paid automatically for the first two (2) dividend periods starting from the account opening date. After the first two initial dividend periods, dividends will be paid based upon meeting the Boost Dividend Qualifications. After that, if you do not meet the Boost Dividend Qualifications during a dividend period, no dividends (0.00%) will be paid for that period. Fees may reduce earnings.

Premium Money Market

Premium Money Market
Less than $100,000
Rate
0.75%
APY
0.75%
$100,000 and Greater
Rate
1.25%
APY
1.26%

*APY = Annual Percentage Yield. Rate refers to dividend rate. APY accurate as of the last dividend declaration date. Fees may reduce earnings.

Ultra Money Market

Ultra Money Market
Less than $50,000
Rate
0.00%
APY
0.00%
$50,000 and Greater
Rate
2.88%
APY
2.92%

APY = Annual Percentage Yield. Minimum opening deposit is $50,000. No minimum balance required to keep the account open. APY accurate as of the last dividend declaration date. Rate may change after the account is opened. Dividend qualifications: You must have at least $100,000 in combined funds (shares, loans, investments) on the last day of the prior dividend period to be eligible for the current dividend period. If the balance in the Ultra Money Market falls below $50,000, no dividends will be paid. Ultra Money Market rate is calculated by using the Federal Reserve Bank’s Federal Funds Rate posted on the last business day of the prior dividend period, less 75 basis points. The minimum APY is 0.00%, and the maximum APY is 7.23%. Fees may reduce earnings.

FAQs

See all FAQs

How do I open a new account or apply for a loan/credit card?

You can open a new deposit account, apply for a credit card, or apply for a loan — including mortgages — right from the website.

You can also apply in online banking or the mobile app.

  • From your home screen, click/tap Open Accounts & Loans within the Services section, located at the top of the page on desktop or the bottom of the page on mobile. You will be directed to an external link to complete the account opening, loan, or credit card application process.
  • Click/tap Continue.
  • Then, select Existing Member Account to open a deposit account (checking, savings, premium money market, or certificates) or select the type of loan or credit card.
  • Follow the prompts provided. 

You will also be able to check the status of an application by clicking/tapping the corresponding link. 

How do I set up Round-Up Savings?

From the homepage, navigate to the Services section and click/tap Round-Up Savings.

  • Find the account you want to enroll and configure the account by toggling the icon to turn it purple.
  • Review the terms and conditions and click/tap I Accept.
  • Then, click/tap the down arrow to the right of the account listed and choose where to deposit your savings from the dropdown menu.
  • Click/tap Save.

Does Everwise offer financial calculators?

Yes. We offer several calculators  to help you plan purchases and make financial decisions.

Explore other personal banking solutions

Checking Accounts

Checking

Our accounts come packed with features that make managing your money easier and more rewarding.

Checking Accounts

Youth & Teen Accounts

Everwise youth checking accounts help kids, teens, and students learn smart money habits. With debit card access, simple tools, and parent-friendly features, our accounts make managing money easy for youth, teen, and student members.

Home Loans

Mortgages

Ready to purchase or refinance a home? Feel confident with a local team that will fully support you through every step.

*APY = Annual Percentage Yield. APY accurate as of last dividend declaration date. Rate may change after the account is opened.

Boost High-Yield Savings: 
+Dividend Qualifications: Dividends will be paid monthly on your Boost Savings account balance if you have direct deposits totaling at least $2,000 going into a consumer checking account (excluding HSAs) under the same Everwise membership as the Boost Savings during the prior dividend period. Dividends will be paid automatically for the first two (2) dividend periods starting from the account opening date. After the first two initial dividend periods, dividends will be paid based upon meeting the Boost Dividend Qualifications. If you do not meet the Boost Dividend Qualifications no dividends (0.00%) will be paid.

Ultra Money Market:
‡ Promotional rate effective through 12/31/2026 and subject to change. After 12/31/2026 or if you do not have the minimum new money deposit of $25,000 to qualify for the promotional rate, you would be paid the standard rate. The standard rate for the Ultra Money Market is calculated by using the Federal Reserve Bank’s Federal Funds Rate posted on the last business day of the prior dividend period, less 75 basis points. The minimum APY is 0.00%, and the maximum APY is 7.23%. Minimum opening deposit for Ultra Money Market is $50,000.

New money is defined as funds from another financial institution that were not on deposit with Everwise Credit Union as of July 1, 2026.

For Ultra Money Market there is a minimum daily balance of $50,000 required and you must have at least $100,000 in combined relationships (shares, loans, and investments) under the same member number of the Ultra Money Market on the last day of the prior dividend period to earn the annual percentage yield disclosed for the dividend period.

IRA Savings:
The information provided is for educational purposes only and doesn’t constitute financial, tax, legal, or accounting advice. It is to be considered as general information, not recommendations. Please consult with an attorney, financial or tax professional for guidance.

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.