Certificate (Web)

When time spent means money earned.

Rates up to


Share certificates offer a low-risk investment with a high rate of return. Increase your long-term savings with certainty and peace of mind.

Share Certificate Specials

Term APY* Rate Effective Date
8-Month IRA5.31%5.21%5/29/2024
13-Month IRA5.27%5.17%5/29/2024
16-Month IRA5.27%5.17%5/29/2024
20-Month IRA5.08%4.99%5/29/2024
37-Month IRA4.61%4.53%5/29/2024
Limited time only and subject to termination without notice. Minimum balance required to earn APY is $500. Dividends for standard Share Certificates are compounded monthly and dividends for IRA Share Certificates are compounded quarterly. Dividends must remain in account for the entire term to earn APY. Certificates are subject to early withdrawal penalty, which may reduce earnings. Not available on HSA certificates. All credit union programs, rates, terms and conditions are subject to membership eligibility and may change without notice. All Certificates funded via Electronic Transfer (ACH), or with a Debit or Credit Card, will have a 5 (five) business day hold. *APY = Annual Percentage Yield.

Calculate how much you can earn

See how much in dividends you can earn. Simply put your deposit amount and months in the calculator below.

Certificate FAQs

A share certificate is a federally insured savings account with a fixed dividend rate and a fixed date of maturity. The dividend rates of these accounts tend to be higher than those on savings accounts. You have less flexibility in exchange for a higher rate.

A typical certificate will not allow you to add any money after you’ve made your initial deposit. You also won’t be able to withdraw your funds before the maturity date without paying a penalty. 

While keeping your savings in a certificate can be an excellent option for your money, it is not for everyone. Before you move forward with opening a certificate, be sure you won’t need to access the funds before the certificate’s maturity date. It’s best to have a separate emergency fund set aside to help you through an unexpected expense.

The dividends earned on your certificate is added to your certificate balance at regular intervals. This is called "compounding." You can collect all of your earned dividends when your certificate matures at the end of the term. 

Yes! New members are subject to a $7 membership fee (waived for members 17 years old and younger) and $5 initial Share deposit prior to opening any additional deposit account or entering into any loan agreement. If you live or work in the majority of counties in Indiana or in south west Michigan you can become a member.

Become a Member

Your money is safe

Insured up to $250,000 by the National Credit Union Administration (NCUA).

No risky unknowns

A guaranteed rate means savings growth you can count on. No need to worry about market volatility.

Low opening deposit

Everyone should have a chance to build their savings. At Everwise you only need $500 to open a certificate.

Two options to open your share certificate:

Quickly open a certificate online. Make sure to have your social security number and ID ready. If you plan on opening a share certificate IRA, find your closest branch and make an appointment today. 

Routing Number | 271291826