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Everwise Credit Union

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Everwise Credit Union Rates & Review November 2026

Q: What are the current interest rates at Everwise Credit Union?

Current rates for Everwise Credit Union include: 12-Month CD: 1.36%, 18-Month CD: 1.62%, 24-Month CD: 2.22%, 60-Month CD: 2.84%, Savings: 3.00%, MMA: 3.69%

Q: What CD terms does Everwise Credit Union offer?

Everwise Credit Union CD rates are 4.35% APY for a 7 month CD, 1.36% APY for a 12 month CD, 4.47% APY for a 15 month CD, 1.62% APY for an 18 month CD, 4.47% APY for a 20 month CD, 2.22% APY for a 2 year CD, 4.12% APY for a 37 month CD and 2.84% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Everwise Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Everwise Credit Union's CD Specials - 15-Month rates are at 4.47%, CD Specials - 20-Month rates are at 4.47%, CD Specials - 7-Month rates are at 4.35%, CD Specials - 37-Month rates are at 4.12%, CD - 60-Month rates are at 2.84%. Everwise Credit Union's savings rates are at 3.00%. Everwise Credit Union's money market rates are at 3.69%. Everwise Credit Union's checking rates are as high as 3.00%. Everwise Credit Union's Personal Loan Rates are as low as 9.99%. Everwise Credit Union's CD rates are 32% lower than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Everwise Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.81%. Rates last updated and verified on 10/29/2026.

Everwise Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Everwise Credit Union? Share your experience about Everwise Credit Union by leaving a review below, or read customer reviews before you decide to use Everwise Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.81%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Everwise Credit Union
Corporate 11

110 S Main St
South Bend, IN 46601-1805

https://www.everwisecu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Everwise Credit Union CD Rates

Product	Rate	APY	Term
Certificate Specials - 15-Month IRA	4.41%	4.48%	15-Month
Min Deposit $500 Min Balance $500 Details Limited time only; Rates effective as of 10/1/2026; Minimum balance required to earn APY is $500; Early withdrawal penalty may apply; Not available on HSA certificates Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.48% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Certificate Specials - 20-Month IRA	4.41%	4.48%	20-Month
Min Deposit $500 Min Balance $500 Details Limited time only; Rates effective as of 10/1/2026; Minimum balance required to earn APY is $500; Early withdrawal penalty may apply; Not available on HSA certificates Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.48% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Certificate Specials - 15-Month	4.38%	4.47%	15-Month
Min Deposit $500 Min Balance $500 Details Limited time only; Rates effective as of 10/1/2026; Minimum balance required to earn APY is $500; Early withdrawal penalty may apply; Not available on HSA certificates Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 4.47% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Certificate Specials - 20-Month	4.38%	4.47%	20-Month
Min Deposit $500 Min Balance $500 Details Limited time only; Rates effective as of 10/1/2026; Minimum balance required to earn APY is $500; Early withdrawal penalty may apply; Not available on HSA certificates Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 4.47% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Certificate Specials - 7-Month IRA	4.28%	4.36%	7-Month
Min Deposit $500 Min Balance $500 Details Limited time only; Rates effective as of 10/1/2026; Minimum balance required to earn APY is $500; Early withdrawal penalty may apply; Not available on HSA certificates Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.36% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Certificate Specials - 7-Month	4.27%	4.35%	7-Month
Min Deposit $500 Min Balance $500 Details Limited time only; Rates effective as of 10/1/2026; Minimum balance required to earn APY is $500; Early withdrawal penalty may apply; Not available on HSA certificates Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 4.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Certificate Specials - 37-Month IRA	4.07%	4.13%	37-Month
Min Deposit $500 Min Balance $500 Details Limited time only; Rates effective as of 10/1/2026; Minimum balance required to earn APY is $500; Early withdrawal penalty may apply; Not available on HSA certificates Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.13% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Certificate Specials - 37-Month	4.04%	4.12%	37-Month
Min Deposit $500 Min Balance $500 Details Limited time only; Rates effective as of 10/1/2026; Minimum balance required to earn APY is $500; Early withdrawal penalty may apply; Not available on HSA certificates Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 4.12% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
HSA Certificate - 60-Month	2.90%	2.93%	60-Month
Min Deposit $500 Min Balance $500 Details Rates effective as of 10/1/2026; Minimum balance to earn APY is $500; Early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.93% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
IRA Certificate - 60-Month	2.83%	2.86%	60-Month
Min Deposit $500 Min Balance $500 Details Rates effective as of 10/1/2026; Minimum balance to earn APY is $500; Early withdrawal penalty may apply; Open at a branch, not available online Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.86% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Share Certificate - 60-Month	2.80%	2.84%	60-Month
Min Deposit $500 Min Balance $500 Details Rates effective as of 10/1/2026; Minimum balance required to earn APY is $500; Early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.84% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
HSA Certificate - 36-Month	2.70%	2.73%	36-Month
Min Deposit $500 Min Balance $500 Details Rates effective as of 10/1/2026; Minimum balance to earn APY is $500; Early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.73% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
IRA Certificate - 36-Month	2.65%	2.68%	36-Month
Min Deposit $500 Min Balance $500 Details Rates effective as of 10/1/2026; Minimum balance to earn APY is $500; Early withdrawal penalty may apply; Open at a branch, not available online Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.68% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Share Certificate - 36-Month	2.62%	2.65%	36-Month
Min Deposit $500 Min Balance $500 Details Rates effective as of 10/1/2026; Minimum balance required to earn APY is $500; Early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
IRA Certificate - 24-Month	2.23%	2.25%	24-Month
Min Deposit $500 Min Balance $500 Details Rates effective as of 10/1/2026; Minimum balance to earn APY is $500; Early withdrawal penalty may apply; Open at a branch, not available online Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Share Certificate - 24-Month	2.20%	2.22%	24-Month
Min Deposit $500 Min Balance $500 Details Rates effective as of 10/1/2026; Minimum balance required to earn APY is $500; Early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.22% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
IRA Certificate - 18-Month	1.64%	1.65%	18-Month
Min Deposit $500 Min Balance $500 Details Rates effective as of 10/1/2026; Minimum balance to earn APY is $500; Early withdrawal penalty may apply; Open at a branch, not available online Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 1.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Share Certificate - 18-Month	1.61%	1.62%	18-Month
Min Deposit $500 Min Balance $500 Details Rates effective as of 10/1/2026; Minimum balance required to earn APY is $500; Early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 1.62% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
HSA Certificate - 12-Month	1.40%	1.41%	12-Month
Min Deposit $500 Min Balance $500 Details Rates effective as of 10/1/2026; Minimum balance to earn APY is $500; Early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 1.41% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
IRA Certificate - 12-Month	1.38%	1.39%	12-Month
Min Deposit $500 Min Balance $500 Details Rates effective as of 10/1/2026; Minimum balance to earn APY is $500; Early withdrawal penalty may apply; Open at a branch, not available online Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 1.39% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Share Certificate - 12 Month	1.35%	1.36%	12 Month
Min Deposit $500 Min Balance $500 Details Rates effective as of 10/1/2026; Minimum balance required to earn APY is $500; Early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 1.36% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
IRA Certificate - 6-Month	1.21%	1.22%	6-Month
Min Deposit $500 Min Balance $500 Details Rates effective as of 10/1/2026; Minimum balance to earn APY is $500; Early withdrawal penalty may apply; Open at a branch, not available online Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 1.22% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Share Certificate - 6-Month	1.18%	1.19%	6-Month
Min Deposit $500 Min Balance $500 Details Rates effective as of 10/1/2026; Minimum balance required to earn APY is $500; Early withdrawal penalty may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 1.19% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%

Everwise Credit Union Savings Rates

Product	Rate	APY
Boost High-Yield Savings	2.96%	3.00%
Min Balance $0 Details Qualifications Required; Balance: No Minimum; Dividends paid monthly if qualifications met; no dividends (0.00%) paid for a period if Boost Dividend Qualifications not met after the first two dividend periods; APY accurate as of last dividend declaration date; Fees may reduce earnings Last Updated 10/29/2026 Rate History No change since Sep 26, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Choice Savings	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000-$99,999.99; APY accurate as of last dividend declaration date; Rate may change after the account is opened; Fees may reduce earnings Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Primary Share Savings	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000-$99,999.99; APY accurate as of last dividend declaration date; Rate may change after the account is opened; Fees may reduce earnings Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Choice Savings	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500-$9,999.99; APY accurate as of last dividend declaration date; Rate may change after the account is opened; Fees may reduce earnings Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Primary Share Savings	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500-$9,999.99; APY accurate as of last dividend declaration date; Rate may change after the account is opened; Fees may reduce earnings Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Tiered IRA Share	0.01%	0.01%
Min Balance $0 Details Balance: Less than $10,000; APY accurate as of last dividend declaration date; Fees may reduce earnings Last Updated 10/29/2026 Rate History No change since Sep 26, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Choice Savings	0.00%	0.00%
Min Balance $0 Details Balance: Less than $2,500; APY accurate as of last dividend declaration date; Rate may change after the account is opened; Fees may reduce earnings Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Primary Share Savings	0.00%	0.00%
Min Balance $0 Details Balance: Less than $2,500; APY accurate as of last dividend declaration date; Rate may change after the account is opened; Fees may reduce earnings Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%

Everwise Credit Union Money Market Rates

Product	Rate	APY
Ultra Money Market	3.63%	3.69%
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 and Greater (New Money Promotion); requires $25,000+ new money from another financial institution not on deposit with Everwise as of July 1, 2026; promotional rate effective through 12/31/2026, then standard rate; requires $100,000 combined relationship. Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.42% → 3.69% ▲ 0.27 pts · high 3.69% / low 3.42% Oct 9, 20263.69%▲ from 3.42% Sep 14, 20263.42%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Premium Money Market	0.75%	0.75%
Min Balance $0 Details Balance: Less than $100,000; Rate refers to dividend rate; APY accurate as of last dividend declaration date; Fees may reduce earnings Last Updated 10/29/2026 Rate History No change since Sep 26, 2026 · 0.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Ultra Money Market	0.00%	0.00%
Min Deposit $50,000 Min Balance $0 Details Balance: Less than $50,000; Minimum opening deposit $50,000; No minimum balance required to keep the account open; Rate calculated from Federal Funds Rate less 75 basis points; minimum APY 0.00%, maximum APY 7.23%; Fees may reduce earnings Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.38% → 3.63% ▲ 0.25 pts · high 3.63% / low 3.38% Oct 9, 20263.63%▲ from 3.38% Sep 14, 20263.38%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%

Everwise Credit Union Checking Rates

Product	Rate	APY
Max Checking	2.96%	3.00%
Min Balance $0 Details Balance: Up to $10,000; APY accurate as of last dividend declaration date; Fees may reduce earnings Last Updated 10/29/2026 Rate History No change since Sep 26, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
HSA Checking	0.60%	0.60%
Min Balance $0 Details Balance: No Minimum Balance; APY accurate as of last dividend declaration date; Fees may reduce earnings Last Updated 10/29/2026 Rate History No change since Sep 26, 2026 · 0.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%

Everwise Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan - 60 months	-	-	7.00%	60 months
Details As Low As; Rate type: Fixed; Loan-to-value: Up to 70%; Rates effective as of 9/25/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Home Equity Loan - 120 months	-	-	7.50%	120 months
Details As Low As; Rate type: Fixed; Loan-to-value: Up to 70%; Rates effective as of 9/25/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Home Equity Loan - 60 months	-	-	7.50%	60 months
Details As Low As; Rate type: Fixed; Loan-to-value: Up to 90%; Rates effective as of 9/25/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Home Equity Loan - 120 months	-	-	8.00%	120 months
Details As Low As; Rate type: Fixed; Loan-to-value: up to 90%; Rates effective as of 9/25/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 8.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Home Equity Loan - 180 months	-	-	8.00%	180 months
Details As Low As; Rate type: Fixed; Loan-to-value: Up to 70%; Rates effective as of 9/25/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 8.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Home Equity Loan - 180 months	-	-	8.50%	180 months
Details As Low As; Rate type: Fixed; Loan-to-value: Up to 90%; Rates effective as of 9/25/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 8.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%

Everwise Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Purchase Loan - New (2025 & Newer)	-	-	6.69%	60 months
Details As Low As; Monthly payment estimate per $10,000 borrowed: $197.06; Rates effective as of 9/25/2026; Fees may apply Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 6.69% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Auto Purchase Loan - Used (2023-2024)	-	-	6.99%	60 months
Details As Low As; Monthly payment estimate per $10,000 borrowed: $198.50; Rates effective as of 9/25/2026; Fees may apply Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Auto Purchase Loan - Used (2021-2022)	-	-	7.49%	60 months
Details As Low As; Monthly payment estimate per $10,000 borrowed: $200.91; Rates effective as of 9/25/2026; Fees may apply Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 7.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Auto Purchase Loan - Used (2018-2020)	-	-	8.29%	60 months
Details As Low As; Monthly payment estimate per $10,000 borrowed: $204.80; Rates effective as of 9/25/2026; Fees may apply Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 8.29% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Auto Purchase Loan - Used (2014-2017)	-	-	8.39%	36 months
Details As Low As; Monthly payment estimate per $10,000 borrowed: $316.18; Rates effective as of 9/25/2026; Fees may apply Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 8.39% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%

Everwise Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Marine & RV Loan - 2025 & Newer	-	8.35%	60 months
Details As Low As; Monthly payment estimate per $10,000 borrowed: $205.10; Qualified members can finance up to 100%; Rates effective as of 9/25/2026 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 8.35% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Motorcycle and ATV Loan - New (2024 & Newer)	-	8.59%	60 months
Details As Low As; Monthly payment estimate per $10,000 borrowed: $206.28; Rates effective as of 9/25/2026 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 8.59% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Marine & RV Loan - 2022-2024	-	8.60%	60 months
Details As Low As; Monthly payment estimate per $10,000 borrowed: $206.32; Qualified members can finance up to 100%; Rates effective as of 9/25/2026 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 8.60% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Motorcycle and ATV Loan - Used (2017-2023)	-	9.19%	60 months
Details As Low As; Monthly payment estimate per $10,000 borrowed: $209.24; Rates effective as of 9/25/2026 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 9.19% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Marine & RV Loan - 2017-2021	-	9.60%	60 months
Details As Low As; Monthly payment estimate per $10,000 borrowed: $211.28; Qualified members can finance up to 100%; Rates effective as of 9/25/2026 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 9.60% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Motorcycle and ATV Loan - Used (2013-2016)	-	9.89%	36 months
Details As Low As; Monthly payment estimate per $10,000 borrowed: $323.37; Rates effective as of 9/25/2026 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 9.89% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%

Everwise Credit Union Credit Card Rates

Product	Rate	APR
Credit Card - Everwise Visa Platinum	-	0.00%
Details As Low As; Rates as low as 11.00% APR; Intro rate expires: 6 months from account opening (purchases and balance transfers); Regular APR: 11.00%, 13.00%, 15.00%, 17.00%, or 21.00% (based on creditworthiness); Points earned on purchases: N/A Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Credit Card - Everwise Visa Signature Rewards	-	0.00%
Details As Low As; Rates as low as 15.00% APR; Intro rate expires: 6 months from account opening (purchases and balance transfers); Regular APR: 15.00%, 17.00%, or 19.00% (based on creditworthiness); Points: 1.5 pts per dollar spent on eligible purchases Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Everwise Visa Platinum	-	0.00%
Details Intro rate expires: 6 months; Regular APR: 11.00% to 21.00% based on creditworthiness, variable with Prime Rate; Cash Advance APR: 13.50% to 23.50%; Intro APR applies to purchases and balance transfers Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Everwise Visa Signature Rewards	-	0.00%
Details Intro rate expires: 6 months; Regular APR: 15.00% to 19.00% based on creditworthiness, variable with Prime Rate; Cash Advance APR: 15.00% to 19.00%; Intro APR applies to purchases and balance transfers Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Visa Platinum	-	0.00%
Details Intro rate expires: 6 months; Regular APR: 11.00% - 21.00%; Intro APR applies to purchases and balance transfers; No annual fee; No foreign country transaction fee Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Visa Signature Rewards	-	0.00%
Details Intro rate expires: 6 months; Regular APR: 15.00% - 19.00%; Intro APR applies to purchases and balance transfers; Earn 1.5 points per dollar spent; No annual fee Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Credit Card - Everwise Visa Accelerate	-	19.99%
Details 19.99% APR fixed rate; Points earned on purchases: N/A Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 19.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Everwise Visa Accelerate	-	19.99%
Details APR for Purchases: 19.99%; Balance Transfers: N/A; Cash Advance APR: 19.99% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 19.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%

Everwise Credit Union Personal Loan Rates

Product	APR	Term
Credit Card - Everwise Visa Signature Rewards	0.00%
Details As Low As; Rates as low as 15.00% APR; Intro rate expires: 6 months from account opening (purchases and balance transfers); Regular APR: 15.00%, 17.00%, or 19.00% (based on creditworthiness); Points: 1.5 pts per dollar spent on eligible purchases Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Everwise Visa Signature Rewards	0.00%
Details Intro rate expires: 6 months; Regular APR: 15.00% to 19.00% based on creditworthiness, variable with Prime Rate; Cash Advance APR: 15.00% to 19.00%; Intro APR applies to purchases and balance transfers Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Visa Signature Rewards	0.00%
Details Intro rate expires: 6 months; Regular APR: 15.00% - 19.00%; Intro APR applies to purchases and balance transfers; Earn 1.5 points per dollar spent; No annual fee Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Personal Loan	9.99%	up to 60 months
Details As Low As; Rate type: Fixed; Payment example: $2,000.00 for 12 months at 9.99% is approximately $175.82 per month; Rates effective as of 10/5/2026 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 9.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Personal Line of Credit	11.00%
Details As Low As; Rate type: Variable; APR varies with the market; Rates effective as of 10/5/2026 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 10.75% → 11.00% ▲ 0.25 pts · high 11.00% / low 10.75% Sep 29, 202611.00%▲ from 10.75% Sep 18, 202610.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%

Everwise Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Equity Line Plus	-	-	7.50%
Details As Low As; Rate type: Variable; Loan-to-value: Up to 90%; APR varies from a low of 3.00% to a maximum of 12.00%; Prime-based (WSJ); minimum loan amount $10,000; Rates effective as of 9/25/2026 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 7.50% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Lift Credit Builder Loan	-	-	5.00%	up to 36 months
Details As Low As; Rate type: Fixed; Secured term loan; loan amount placed in Share account and pledged; minimum borrowed $500; Rates effective as of 10/5/2026 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 5.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Prime Equity Line	-	-	7.00%
Details As Low As; Rate type: Variable; Loan-to-value: Up to 80%; APR varies from a low of 3.00% to a maximum of 12.00%; Prime-based (WSJ); minimum loan amount $10,000; Rates effective as of 9/25/2026 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Max Checking	-	-	3.00%
Min Deposit $0 Min Balance $0 Details Balance: $0.00 - $10,000.00; Qualifying balance up to $10,000.00; No monthly fee with $4,000 in electronic deposits or $4,000 average balance each month, otherwise $20/month Last Updated 10/29/2026 Rate History No change since Sep 26, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Everwise Credit Union’s Texas Ratio rose from 2.53% in Q3 2023 to 6.81% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$5.8B	6.81%	5.0	A
March 31, 2026	$5.7B	5.05%	5.0	A+
December 31, 2025	$5.6B	7.86%	5.0	A
September 30, 2025	$5.5B	6.87%	5.0	A
June 30, 2025	$5.5B	6.20%	5.0	A
March 31, 2025	$5.4B	5.23%	5.0	A+
December 31, 2024	$5.2B	7.06%	5.0	A
September 30, 2024	$5.2B	5.79%	5.0	A+
June 30, 2024	$5.2B	7.69%	5.0	A
March 31, 2024	$5.1B	7.63%	5.0	A
December 31, 2023	$5.2B	5.22%	5.0	A+
September 30, 2023	$5.1B	2.53%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Everwise Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Everwise Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Everwise Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Everwise Credit Union

Website https://www.everwisecu.com

Address 110 S Main St, South Bend, IN 46601-1805

Phone 574-232-8012

Fax 574-284-6287

President Vince Henderson

CEO Jason Osterhage

Full-Time Employees 696

Part-Time Employees 45

Branch Locations 51

ATM Locations 43

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.81%

Return on Assets (ROA)

0.3711%

Return on Equity (ROE)

4.0734%

Non-Performing Loans Ratio (NPL)

0.91%

Total Assets

5,779,012,743

Total Amount of Shares and Deposits

5,069,007,045

Total Shares and Deposits < 1 Year

4,850,259,708

Total Shares and Deposits 1 3 Years

212,856,854

Total Shares and Deposits > 3 Years

5,890,483

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

1,471,918,015

Total Uninsured Shares and Deposits > $250K (F+J)

1,482,927,696

Total Insured Shares and Deposits > $250K (item 17 less item K)

3,586,079,349

Total Interest Expense (Sum of items 6 8)

63,337,285

Share Certificates

45,485

Number of Accounts for Share Drafts

142,607

IRA KEOGH Accounts

8,827

Number of Accounts for Regular Shares

305,889

All other shares

31,345

Non Member Deposits

Money Market Shares

21,649

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

92,699,835

Total Liabilities

5,284,263,828

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Everwise Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Everwise Credit Union

Does Everwise Credit Union offer CDs?

Yes. Everwise Credit Union current CD rates include its CD Specials - 15-Month at 4.47% APY, its CD Specials - 20-Month at 4.47% APY and its CD Specials - 7-Month at 4.35% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Everwise Credit Union NCUA insured?

Yes. Everwise Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Everwise Credit Union?

The highest Everwise Credit Union CD rate is its CD Specials - 15-Month IRA at 4.48% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Everwise Credit Union offer?

Everwise Credit Union CD rates are 4.35% APY for a 7 month CD, 1.36% APY for a 12 month CD, 4.47% APY for a 15 month CD, 1.62% APY for an 18 month CD, 4.47% APY for a 20 month CD, 2.22% APY for a 2 year CD, 4.12% APY for a 37 month CD and 2.84% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Everwise Credit Union for its full lineup.

What is the highest savings rate at Everwise Credit Union?

The highest Everwise Credit Union savings rate is its Boost High-Yield Savings at 3.00% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at Everwise Credit Union?

The highest Everwise Credit Union money market rate is its Ultra Money Market at 3.69% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at Everwise Credit Union?

The highest Everwise Credit Union checking rate is its Max Checking at 3.00% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest auto loan rate at Everwise Credit Union?

The lowest Everwise Credit Union auto loan rate is its Auto Purchase Loan - New (2025 & Newer) at 6.69% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at Everwise Credit Union?

The lowest Everwise Credit Union personal loan rate is its Personal Loan at 9.99% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at Everwise Credit Union?

The lowest Everwise Credit Union credit card APR is its Credit Card - Everwise Visa Accelerate at 19.99% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does Everwise Credit Union operate?

Everwise Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Everwise Credit Union?

Yes, to access services at Everwise Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Everwise Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Everwise Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Everwise Credit Union offer online and mobile banking?

Most modern institutions like Everwise Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.everwisecu.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Everwise Credit Union rates compare?

Everwise Credit Union's CD rates are 32% lower than the MonitorBankRates national average, and it has an A health rating. Everwise Credit Union's top rates are its CD Specials - 15-Month IRA at 4.48% APY, its Boost High-Yield Savings at 3.00% APY, its Ultra Money Market at 3.69% APY, its Max Checking at 3.00% APY and its Personal Loan at 9.99% APR, verified by MonitorBankRates on October 29, 2026.

Current Everwise Credit Union Rates

12-Month CD1.36%
18-Month CD1.62%
24-Month CD2.22%
60-Month CD2.84%
Savings3.00%
MMA3.69%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Everwise Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Everwise Credit Union Texas Ratio

Everwise Credit Union Health Trend

Everwise Credit Union CD Rates

Everwise Credit Union Savings Rates

Everwise Credit Union Money Market Rates

Everwise Credit Union Checking Rates

Everwise Credit Union Home Equity & HELOC

Everwise Credit Union Auto Loan Rates

Everwise Credit Union RV, Boat and Powersport Loan Rates

Everwise Credit Union Credit Card Rates

Everwise Credit Union Personal Loan Rates

Everwise Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Everwise Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Everwise Credit Union

Does Everwise Credit Union offer CDs?

Are CDs from Everwise Credit Union NCUA insured?

What is the highest CD rate at Everwise Credit Union?

What CD terms does Everwise Credit Union offer?

What is the highest savings rate at Everwise Credit Union?

What is the highest money market rate at Everwise Credit Union?

What is the highest checking rate at Everwise Credit Union?

What is the lowest auto loan rate at Everwise Credit Union?

What is the lowest personal loan rate at Everwise Credit Union?

What is the lowest credit card APR at Everwise Credit Union?

How many branches does Everwise Credit Union operate?

Is a member application needed to join Everwise Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Everwise Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Everwise Credit Union rates compare?

Current Everwise Credit Union Rates

Compare to Other Credit Unions