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 Everwise Credit Union Rates & Review August 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: August 28, 2026
Everwise Credit Union's 60-Month HSA CD rates are at 2.93%, 60-Month CD rates are at 2.84%, 36-Month HSA CD rates are at 2.73%, 36-Month CD rates are at 2.65%, 24-Month CD rates are at 2.22%. Everwise Credit Union's savings rates are at 0.00%. Everwise Credit Union's money market rates are at 0.00%. Everwise Credit Union's 30 Year Conventional Fixed-Rate Mortgage rates are at 6.75%. Everwise Credit Union's Personal Loan Rates are at 9.99%. 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 6.87%. Rates last updated and verified on 08/28/2026. 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. 
Everwise Credit Union CD Rates
Everwise Credit Union Savings Rates
Everwise Credit Union Money Market Rates
Everwise Credit Union Checking Rates
Everwise Credit Union Mortgage Rates
Everwise Credit Union Auto Loan Rates
Everwise Credit Union Credit Card Rates
Everwise Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates 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
708
Part-Time Employees
30
Branch Locations
52
ATM Locations
53
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.87%
Return on Assets (ROA)
0.4610%
Return on Equity (ROE)
5.1044%
Non-Performing Loans Ratio (NPL)
0.89%
Total Assets
5,538,528,007
Total Amount of Shares and Deposits
4,918,032,472
Total Shares and Deposits < 1 Year
4,420,246,085
Total Shares and Deposits 1 3 Years
489,020,418
Total Shares and Deposits > 3 Years
8,765,969
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,439,886,626
Total Uninsured Shares and Deposits > $250K (F+J)
1,518,005,491
Total Insured Shares and Deposits > $250K (item 17 less item K)
3,400,026,981
Total Interest Expense (Sum of items 6 8)
95,729,438
Share Certificates
51,312
Number of Accounts for Share Drafts
133,727
IRA KEOGH Accounts
9,383
Number of Accounts for Regular Shares
304,964
All other shares
36,295
Non Member Deposits
12
Money Market Shares
21,935
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)
38,906,960
Total Liabilities
5,080,097,900
Source: NCUA — Last Updated 09/30/2025
Customer Reviews
There are no reviews for Everwise Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Everwise Credit Union
Frequently Asked Questions About Everwise Credit UnionHow 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. Current Everwise Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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