APY = Annual Percentage Yield. Subject to membership requirements. All credit union programs, rates, terms and conditions are subject to change without notice.
* $250 Checking Bonus offer effective 5/12/2025. Open an eligible checking account online or at a branch using or mentioning promo code Get250. Then, within 60 days of account opening, complete the following actions: A) Enroll in eStatements using mobile or online banking. B) Make at least ten (10) Debit Mastercard purchase transactions. C) Make electronic deposit(s) of $500 or more to your new checking account. When all requirements are met, the $250 bonus will be credited to the new checking account on or before the close of the next full statement. Bonus not available to members with an existing checking account, or members that have had a checking account closed within the last 12 months. Limited to one bonus per member, regardless of the number of checking accounts opened. Members who have received a new checking bonus previously are not eligible to receive an additional checking bonus. Eligible Accounts: Performance, Advantage, Ultimate, and World checking accounts. Bonus is considered income. You may receive a 1099-MISC form.
1 Monthly Account Fee Details:
Performance Checking: A monthly account fee of $2 will be charged each month; however, $2 will be waived if your monthly statement is delivered electronically as eStatement OR if your combined deposit, loan, and Everwise Investment Services balances exceed $2,500 OR have direct deposit, OR you perform 10 transactions in the account.
Advantage Checking: A monthly account fee of $7 will be charged each month; however, $2 will be waived if your monthly statement is delivered electronically as an eStatement.
World Checking: Account subject to monthly fee of $10; however, $2 will be waived if monthly if account is enrolled in eStatements or $10 will be waived if your combined deposit, loan, and Everwise Investment Services exceed $100,000.
Ultimate Checking: 3.00% APY on balances up to $10,000 as of the last dividend declaration. A monthly account fee of $10 will be charged. This fee is waived if during the statement cycle you are enrolled in eStatements and complete at least 15 Everwise debit card non-ATM transactions each equaling $5 or more on this account between the 21st day of the prior statement month and the 20th day of the current statement month. If the requirements to avoid the monthly account fee are not met no dividends will be paid.
2 Earn .50% cash back rebate on non-PIN purchases with your Everwise Credit Union Debit Mastercard. Rebate is redeemable once the rebate amount reaches $30 within the calendar year. The maximum rebate per calendar year is $5,000. Eligible purchases do not include ATM transactions or those made using a personal identification number (PIN), cash advances, balance transfers or returned purchases.
3 Members receive free use of Alliance One and CO-OP ATMs within Indiana. A $2.50 foreign transaction fee applies to Alliance One and CO-OP outside of Indiana.
4 A $100 Mortgage origination fee discount is available, as is a 0.25% loan discount is available on direct, closed-end, consumer loans only (excludes loans signed at a dealership, real estate secured, lines of credit including credit cards, credit builder, student loan and commercial loans).
