Premium Money Market Details
Earn higher dividends than a regular savings account and the flexibility to access your funds anytime.
Benefits:
- A tiered rate structure rewards larger balances with even better returns.
- Pair your account with a World Checking account to receive a rate increase of .10%.
- No minimum balance requirement fees.
- No monthly account fee.
Account Requirements:
- Everwise membership is required.
| Balance Required to Earn Dividends | Rate | APY* |
|---|---|---|
| Less than $100,000 | 0.75% | 0.75% |
| $100,000 and Greater | 1.25% | 1.26% |
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.
* APY = Annual Percentage Yield. APY accurate as of the last dividend declaration date. All credit union programs, rates, terms and conditions are subject to membership eligibility and may change without notice.
Dividends earned are tiered based on average daily Premium Money Market Account balance. They are compounded daily and paid monthly.