Ultra Money Market

Earn 0.50% rate boost on your balance through December 31, 2026*

couple at a farm market

More for what's ahead. 

Whether you’re opening a new Ultra Money Market account or adding to your Ultra Money Market,  bring $25,000 or more in new money** from outside Everwise, meet the balance requirements*** and earn a higher rate on your total Ultra Money Market balance. You’ll continue to earn an extra 0.50% on our standard rate through the end of the year.

New to Ultra Money Market?

Open an Ultra Money Market inside any Everwise branch with $25,000 or more in new money from an external source and earn a 0.50% boosted rate until 12/31/2026.

Already have an Ultra Money Market?

Increase your earnings with $25,000 or more in qualifying new money from another financial institution and earn a 0.50% boosted rate until 12/31/2026.

Three simple steps to earn more:

  1. Open or fund your Ultra Money Market account.
    Visit any Everwise branch to open a new Ultra Money Market account or add funds to your existing account.
  2. Make a qualifying deposit.
    Deposit $25,000 or more in new money from an external source into your Ultra Money Market account between July 1 and December 31, 2026.
  3. Earn a higher rate.
    Once new money is deposited into your Ultra Money Market, you’ll earn a boosted rate during the months the dividend qualifications** are met now through December 31, 2026.

Why choose Ultra?

Grow larger balances.

Competitive rates help your savings work harder.

Access your money when you need it.

Enjoy the flexibility to access your account without locking them in.

Built for what's next.

Smart solution for larger balances and future financial goals.

Prefer a guaranteed return?

If predictable growth is what you’re after, an Everwise Certificate lets you lock in a fixed rate for a term that fits your financial goals.

Open certificate online

*Promotional rate effective through 12/31/2026 and subject to change. After 12/31/2026 or if you do not have the minimum new money deposit of $25,000 to qualify for the promotional rate, you would be paid the standard rate. The standard rate for the Ultra Money Market 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%. Minimum opening deposit for Ultra Money Market is $50,000.  

**New money is defined as funds from another financial institution that were not on deposit with Everwise Credit Union as of July 1, 2026.  

***For Ultra Money Market there is a minimum daily balance of $50,000 required and you must have at least $100,000 in combined relationships (shares, loans, and investments) under the same member number of the Ultra Money Market on the last day of the prior dividend period to earn the annual percentage yield disclosed for the dividend period. 

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.