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Everwise Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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: October 9, 2026
Everwise Credit Union's top rates as of October 9, 2026 are 4.48% APY on its 15-Month IRA CD, 3.00% APY on savings, 3.69% APY on money market accounts, 3.00% APY on checking, 7.62% on its 30 Year Conventional Fixed Mortgage, personal loans from 9.99% APR, and credit cards from 10.75% APR, according to rates verified by MonitorBankRates. Other Everwise Credit Union CD rates include 20-Month IRA CD at 4.48%, 15-Month CD at 4.47%, and 20-Month CD at 4.47%. 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 10/09/2026.
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 has earned an overall safety grade of A (Excellent, Score: 97/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Everwise Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
6.81%
ExcellentHigher than avg
Everwise Credit Union Texas Ratio
Everwise Credit Union's Texas Ratio is 6.81%, which is considered excellent and is higher than the national average of 6.13%.
Everwise Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
2.53% to 6.81% over 12 quarters, steadyFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A
The Texas Ratio for this credit union has held steady at a healthy level since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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
View More
15-Month IRA Certificate
4.41%
4.48%
15-Month
Min Deposit$500
DetailsLimited time only and subject to termination without notice. Minimum balance required to earn APY is $500. Early withdrawal penalty may apply, which may reduce earnings. Not available on HSA certificates.
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 4.48% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.81%
20-Month IRA Certificate
4.41%
4.48%
20-Month
Min Deposit$500
DetailsLimited time only and subject to termination without notice. Minimum balance required to earn APY is $500. Early withdrawal penalty may apply, which may reduce earnings. Not available on HSA certificates.
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 4.48% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.81%
15-Month Certificate
4.38%
4.47%
15-Month
Min Deposit$500
DetailsLimited time only and subject to termination without notice. Minimum balance required to earn APY is $500. Early withdrawal penalty may apply, which may reduce earnings. Not available on HSA certificates.
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 4.47% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.81%
20-Month Certificate
4.38%
4.47%
20-Month
Min Deposit$500
DetailsLimited time only and subject to termination without notice. Minimum balance required to earn APY is $500. Early withdrawal penalty may apply, which may reduce earnings. Not available on HSA certificates.
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 4.47% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.81%
7-Month IRA Certificate
4.28%
4.36%
7-Month
Min Deposit$500
DetailsLimited time only and subject to termination without notice. Minimum balance required to earn APY is $500. Early withdrawal penalty may apply, which may reduce earnings. Not available on HSA certificates.
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 4.36% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.81%
7-Month Certificate
4.27%
4.35%
7-Month
Min Deposit$500
DetailsLimited time only and subject to termination without notice. Minimum balance required to earn APY is $500. Early withdrawal penalty may apply, which may reduce earnings. Not available on HSA certificates.
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 4.35% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.81%
37-Month IRA Certificate
4.07%
4.13%
37-Month
Min Deposit$500
DetailsLimited time only and subject to termination without notice. Minimum balance required to earn APY is $500. Early withdrawal penalty may apply, which may reduce earnings. Not available on HSA certificates.
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 4.13% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.81%
37-Month Certificate
4.04%
4.12%
37-Month
Min Deposit$500
DetailsLimited time only and subject to termination without notice. Minimum balance required to earn APY is $500. Early withdrawal penalty may apply, which may reduce earnings. Not available on HSA certificates.
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 4.12% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.81%
60-Month HSA Certificate
2.90%
2.93%
60-Month
Min Deposit$500
DetailsMinimum balance to earn APY is $500. Early withdrawal penalty may apply, which may reduce earnings.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 2.93% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.81%
60-Month IRA Certificate
2.83%
2.86%
60-Month
Min Deposit$500
DetailsMinimum balance to earn APY is $500. Early withdrawal penalty may apply, which may reduce earnings. Open IRA Certificates at a branch, not available online.
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 2.86% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.81%
60-Month Share Certificate
2.80%
2.84%
60-Month
Min Deposit$500
DetailsMinimum balance to earn APY is $500. Early withdrawal penalty may apply, which may reduce earnings.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 2.84% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.81%
36-Month HSA Certificate
2.70%
2.73%
36-Month
Min Deposit$500
DetailsMinimum balance to earn APY is $500. Early withdrawal penalty may apply, which may reduce earnings.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 2.73% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.81%
36-Month IRA Certificate
2.65%
2.68%
36-Month
Min Deposit$500
DetailsMinimum balance to earn APY is $500. Early withdrawal penalty may apply, which may reduce earnings. Open IRA Certificates at a branch, not available online.
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 2.68% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.81%
36-Month Share Certificate
2.62%
2.65%
36-Month
Min Deposit$500
DetailsMinimum balance to earn APY is $500. Early withdrawal penalty may apply, which may reduce earnings.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 2.65% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.81%
24-Month IRA Certificate
2.23%
2.25%
24-Month
Min Deposit$500
DetailsMinimum balance to earn APY is $500. Early withdrawal penalty may apply, which may reduce earnings. Open IRA Certificates at a branch, not available online.
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 2.25% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.81%
24-Month Share Certificate
2.20%
2.22%
24-Month
Min Deposit$500
DetailsMinimum balance to earn APY is $500. Early withdrawal penalty may apply, which may reduce earnings.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 2.22% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.81%
18-Month IRA Certificate
1.64%
1.65%
18-Month
Min Deposit$500
DetailsMinimum balance to earn APY is $500. Early withdrawal penalty may apply, which may reduce earnings. Open IRA Certificates at a branch, not available online.
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 1.65% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.81%
18-Month Share Certificate
1.61%
1.62%
18-Month
Min Deposit$500
DetailsMinimum balance to earn APY is $500. Early withdrawal penalty may apply, which may reduce earnings.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 1.62% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.81%
12-Month HSA Certificate
1.40%
1.41%
12-Month
Min Deposit$500
DetailsMinimum balance to earn APY is $500. Early withdrawal penalty may apply, which may reduce earnings.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 1.41% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.81%
12-Month IRA Certificate
1.38%
1.39%
12-Month
Min Deposit$500
DetailsMinimum balance to earn APY is $500. Early withdrawal penalty may apply, which may reduce earnings. Open IRA Certificates at a branch, not available online.
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 1.39% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.81%
12 Month Share Certificate
1.35%
1.36%
12 Month
Min Deposit$500
DetailsMinimum balance to earn APY is $500. Early withdrawal penalty may apply, which may reduce earnings.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 1.36% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.81%
6-Month IRA Certificate
1.21%
1.22%
6-Month
Min Deposit$500
DetailsMinimum balance to earn APY is $500. Early withdrawal penalty may apply, which may reduce earnings. Open IRA Certificates at a branch, not available online.
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 1.22% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.81%
6-Month Share Certificate
1.18%
1.19%
6-Month
Min Deposit$500
DetailsMinimum balance to earn APY is $500. Early withdrawal penalty may apply, which may reduce earnings.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 1.19% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.81%
Everwise Credit Union Savings Rates
Product
Rate
APY
View More
Boost High-Yield Savings
2.96%
3.00%
DetailsQualifications Required: Direct deposits totaling at least $2,000 into a consumer checking account; Dividends will be paid monthly on your Boost Savings account balance if you have direct deposits totaling at least $2,000 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.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.81%
Choice Savings
0.10%
0.10%
Min Balance$10,000
DetailsBalance: $10,000-$99,999.99
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.81%
Primary Share Savings
0.10%
0.10%
Min Deposit$5
Min Balance$10,000
DetailsBalance Required to Earn Dividends: $10,000-$99,999.99; $5 balance required to maintain membership. Tiered dividend structure.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.81%
Choice Savings
0.05%
0.05%
Min Balance$2,500
DetailsBalance: $2,500-$9,999.99
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.81%
Primary Share Savings
0.05%
0.05%
Min Deposit$5
Min Balance$2,500
DetailsBalance Required to Earn Dividends: $2,500-$9,999.99; $5 balance required to maintain membership. Tiered dividend structure.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.81%
Everwise Credit Union Money Market Rates
Product
Rate
APY
View More
Ultra Money Market
3.63%
3.69%
Min Deposit$50,000
Min Balance$50,000
DetailsQualifications Required: New money is defined as funds from another financial institution that were not on deposit with Everwise Credit Union as of July 1, 2026.; Balance Required to Earn Dividends: $50,000 and Greater (New Money Promotion)*; 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.
Last Updated10/09/2026
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$100,000
DetailsBalance: Less than $100,000
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.81%
Everwise Credit Union Checking Rates
Product
Rate
APY
View More
Max Checking
2.96%
3.00%
DetailsUp to $10,000
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.81%
HSA Checking
0.60%
0.60%
DetailsNo Minimum Balance
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.81%
Everwise Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
30 Year Conventional Fixed Mortgage
7.625%
-
7.713%
30 Year
DetailsFixed
Last Updated10/09/2026
Rate History
2 changes since Sep 29, 2026 · 7.59% → 7.71% ▲ 0.13 pts · high 7.84% / low 7.59%
Oct 9, 20267.71%▼ from 7.84%
Oct 2, 20267.84%▲ from 7.59%
Sep 29, 20267.59%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.81%
Everwise Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
60 months Home Equity Loans
-
-
7.00%
60 months
DetailsFixed. Up to 70%
Last Updated10/09/2026
Rate History
1 change since Sep 18, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75%
Oct 9, 20267.00%▲ from 6.75%
Sep 18, 20266.75%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.81%
120 months Home Equity Loans
-
-
7.50%
120 months
DetailsFixed. Up to 70%
Last Updated10/09/2026
Rate History
1 change since Sep 18, 2026 · 7.25% → 7.50% ▲ 0.25 pts · high 7.50% / low 7.25%
Oct 9, 20267.50%▲ from 7.25%
Sep 18, 20267.25%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.81%
60 months Home Equity Loans
-
-
7.50%
60 months
DetailsFixed. Up to 90%
Last Updated10/09/2026
Rate History
1 change since Sep 18, 2026 · 7.25% → 7.50% ▲ 0.25 pts · high 7.50% / low 7.25%
Oct 9, 20267.50%▲ from 7.25%
Sep 18, 20267.25%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.81%
120 months Home Equity Loans
-
-
8.00%
120 months
DetailsFixed. up to 90%
Last Updated10/09/2026
Rate History
1 change since Sep 18, 2026 · 7.75% → 8.00% ▲ 0.25 pts · high 8.00% / low 7.75%
Oct 9, 20268.00%▲ from 7.75%
Sep 18, 20267.75%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.81%
180 months Home Equity Loans
-
-
8.00%
180 months
DetailsFixed. Up to 70%
Last Updated10/09/2026
Rate History
1 change since Sep 18, 2026 · 7.75% → 8.00% ▲ 0.25 pts · high 8.00% / low 7.75%
Oct 9, 20268.00%▲ from 7.75%
Sep 18, 20267.75%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.81%
180 months Home Equity Loans
-
-
8.50%
180 months
DetailsFixed. Up to 90%
Last Updated10/09/2026
Rate History
1 change since Sep 18, 2026 · 8.25% → 8.50% ▲ 0.25 pts · high 8.50% / low 8.25%
Oct 9, 20268.50%▲ from 8.25%
Sep 18, 20268.25%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.81%
Everwise Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New (2025 & Newer) Auto Purchase Loans
-
-
6.69%
60 months
DetailsRates as low as
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 6.40% → 6.69% ▲ 0.29 pts · high 6.69% / low 6.40%
Sep 26, 20266.69%▲ from 6.40%
Sep 14, 20266.40%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.81%
Used (2023-2024) Auto Purchase Loans
-
-
6.99%
60 months
DetailsRates as low as
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 6.65% → 6.99% ▲ 0.34 pts · high 6.99% / low 6.65%
Sep 26, 20266.99%▲ from 6.65%
Sep 14, 20266.65%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.81%
Used (2021-2022) Auto Purchase Loans
-
-
7.49%
60 months
DetailsRates as low as
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 7.15% → 7.49% ▲ 0.34 pts · high 7.49% / low 7.15%
Sep 26, 20267.49%▲ from 7.15%
Sep 14, 20267.15%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.81%
Used (2018-2020) Auto Purchase Loans
-
-
8.29%
60 months
DetailsRates as low as
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 7.90% → 8.29% ▲ 0.39 pts · high 8.29% / low 7.90%
Sep 26, 20268.29%▲ from 7.90%
Sep 14, 20267.90%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.81%
Used (2014-2017) Auto Purchase Loans
-
-
8.39%
36 months
DetailsRates as low as
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 8.00% → 8.39% ▲ 0.39 pts · high 8.39% / low 8.00%
Sep 26, 20268.39%▲ from 8.00%
Sep 14, 20268.00%first recorded
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
View More
2025 & Newer Marine & RV Loans
-
8.35%
60 months
DetailsRates as low as
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 8.10% → 8.35% ▲ 0.25 pts · high 8.35% / low 8.10%
Sep 29, 20268.35%▲ from 8.10%
Sep 14, 20268.10%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.81%
New (2024 & Newer) Motorcycle and ATVs Loan
-
8.59%
60 months
DetailsRates as low as
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 8.29% → 8.59% ▲ 0.30 pts · high 8.59% / low 8.29%
Sep 26, 20268.59%▲ from 8.29%
Sep 14, 20268.29%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.81%
2022-2024 Marine & RV Loans
-
8.60%
60 months
DetailsRates as low as
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 8.35% → 8.60% ▲ 0.25 pts · high 8.60% / low 8.35%
Sep 29, 20268.60%▲ from 8.35%
Sep 14, 20268.35%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.81%
Used (2017-2023) Motorcycle and ATVs Loan
-
9.19%
60 months
DetailsRates as low as
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 8.89% → 9.19% ▲ 0.30 pts · high 9.19% / low 8.89%
Sep 26, 20269.19%▲ from 8.89%
Sep 14, 20268.89%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.81%
2017-2021 Marine & RV Loans
-
9.60%
60 months
DetailsRates as low as
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 9.35% → 9.60% ▲ 0.25 pts · high 9.60% / low 9.35%
Sep 29, 20269.60%▲ from 9.35%
Sep 14, 20269.35%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.81%
Used (2013-2016) Motorcycle and ATVs Loan
-
9.89%
36 months
DetailsRates as low as
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 9.59% → 9.89% ▲ 0.30 pts · high 9.89% / low 9.59%
Sep 26, 20269.89%▲ from 9.59%
Sep 14, 20269.59%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.81%
Everwise Credit Union Credit Card Rates
Product
Rate
APR
View More
Visa Platinum
-
10.75%
DetailsPublished APR range: 10.75% to 20.75%. Intro rate expires: 6 months; Regular APR: 10.75% to 20.75%
Last Updated10/09/2026
Rate History
No change since Sep 21, 2026 · 10.75% APR · checked 6 times
1 change since Sep 14, 2026 · 14.75% → 15.00% ▲ 0.25 pts · high 15.00% / low 14.75%
Sep 26, 202615.00%▲ from 14.75%
Sep 14, 202614.75%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
View More
Equity Line Plus Loan
-
-
7.50%
10 years
DetailsTerm: 10-year draw period followed by a 10-year amortized repayment period; Variable rate loan. Rates vary based on credit worthiness and underwriting factors. Rates adjust monthly based on the Prime Rate as published in the Wall Street Journal, and the APR will vary from a low of 3.00% to a maximum of 12.00%. Minimum Payment Options: 1% of the outstanding balance, interest due, or $50 (whichever is greater) or Interest-only if qualified. If you make only the minimum payment during the term of your loan, a balloon payment may be required when the repayment period ends. Up to 90%
Last Updated10/09/2026
Rate History
1 change since Sep 21, 2026 · 7.25% → 7.50% ▲ 0.25 pts · high 7.50% / low 7.25%
Sep 26, 20267.50%▲ from 7.25%
Sep 21, 20267.25%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.81%
Lift Credit Builder Loan
-
-
5.00%
up to 36 months
DetailsFixed-rate, secured-term loan. Using the loan amount, the money is placed in your Share account and pledged. As payments are made, the pledged amount is reduced. If your payment is late, on the 26th day, the money in your Share account will be used to pay off the loan.
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 5.00% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.81%
Prime Equity Line Loan
-
-
7.00%
10 years
DetailsTerm: 10-year draw period followed by a 10-year amortized repayment period; Variable rate loan. Rates vary based on credit worthiness and underwriting factors. Rates adjust monthly based on the Prime Rate as published in the Wall Street Journal, and the APR will vary from a low of 3.00% to a maximum of 12.00%. Minimum Payment Options: 1% of the outstanding balance, interest due, or $50 (whichever is greater) or Interest-only if qualified. If you make only the minimum payment during the term of your loan, a balloon payment may be required when the repayment period ends. Up to 80%
Last Updated10/09/2026
Rate History
1 change since Sep 21, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75%
Sep 26, 20267.00%▲ from 6.75%
Sep 21, 20266.75%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.81%
Max Checking
-
-
3.00%
Min Deposit$0
DetailsQualifying balance up to $10,000.00
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.81%
Tiered IRA Share
0.01%
-
0.01%
DetailsBalance: Less than $10,000
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.81%
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.
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
10
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
Q2 2026 MBR Health & Safety Badge
Everwise Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your Q2 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; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Everwise Credit Union
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.
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.
Brian McKay
