Primary Share Details
A simple savings account that establishes your membership.
Benefits:
- Open with just a $5 deposit.
- Potential dividend payments (see table below).
- Members are eligible for other types of Everwise accounts, low loan rates, higher deposit account dividends, and more.
Account Requirements:
- $7 membership fee.
- $5 initial share savings deposit that must stay in the account as long as you are an Everwise member.
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.
| Balance Required to Earn Dividends | Rate | APY* |
|---|---|---|
| Less than $2,500 | 0.00% | 0.00% |
| $2,500-$9,999.99 | 0.05% | 0.05% |
| $10,000-$99,999.99 | 0.10% | 0.10% |
| $100,000 and greater | 0.15% | 0.15% |
* 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.