Standard Accounts
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.
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.
Premium Money Market
Best for: Higher balances
- Opening deposit: None
- To earn dividends: No minimum balance required
- Additional details: Tiered dividend structure
Benefits:
- Higher earning potential than regular savings.
- No term commitment.
- Online and mobile access to funds.
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.
Boost High-Yield Savings
Best for: Maximizing earnings
- Opening deposit: None required
- To earn dividends: $4,000+ in monthly direct deposits+ to an Everwise checking account
Benefits:
- 3.00% APY*, 15x more1 than other savings accounts.
- No monthly fees or minimum balance requirements.
- Unlimited transfers and withdrawals.
Ultra Money Market
Best for: High-balance flexibility
- Opening deposit: $50,000
- To earn dividends: $50,000 daily balance
- Additional details: $100,000 combined relationship required
Benefits:
- Rates 6x2 the national money market average, tied to the Federal Funds Rate.
- Unlimited transfers and withdrawals.
- Call or make an appointment to get started.
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.
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.
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.
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.
Primary Share Savings
Primary Share Savings
Effective Date: 1/2/2026
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
Effective Date: 1/2/2026
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
Effective Date: 1/2/2026
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
Effective Date: 12/11/2025
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 $4,000 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
Effective Date: 1/2/2026
*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
Effective Date: 1/2/2026
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.
How do I open a new account or apply for a loan/credit card?
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?
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?
Does Everwise offer financial calculators?
Yes. We offer several calculators to help you plan purchases and make financial decisions.
Banking built around you.
As a member-owned credit union, Everwise puts people first, helping Indiana and Michigan residents save more, borrow smarter, and feel confident about their money.
Our accounts come packed with features that make managing your money easier and more rewarding.
Empower your kids with financial freedom, backed by your guidance.
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.
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 $4,000 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.
¹ Based on comparison to the national credit union savings account average of 0.19% APY as of 12/28/2025, National Credit Union Administration.
Ultra Money Market:
Minimum opening deposit is $50,000. No minimum balance is required to keep the account open. APY accurate as of the last dividend declaration date. 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%. Account must be opened over the phone or in-person at an Everwise branch location.
2 Compared to national average rate for Money Market accounts as reported by the NCUA.
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.