Credit union · NCUA insured
Everence CD Rates
Top CarrotEverence’s best CD rate is 4.10% APY on a 7-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Everence’s CD rates compare
Compared with banks and credit unions near Lancaster, PA, where Everence has the most branches. $10,000, best rate first.
This credit union’s best
Everence
4.10%APY
- Term
- 7 months
- Minimum
- $500
- Earns on $10,000
- $237
Certificates
Top rate
Citadel Credit Union
4.35%APY
- Term
- 20 months
- Minimum
- $500
- Earns on $10,000
- $735
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
Everence CD score
88
CD score
Higher than 84% of U.S. banks and credit unions
- 3–8 months3–8 mo4.10%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.90%
- 31–60 months31–60 mo3.70%
- QualifiedQualified4.10%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Everence ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates
Up to 4.10%APY · 12 terms
Must be a member of Everence Federal Credit Union. Compounding quarterly. Penalty for early withdrawal: $25, plus 1/2 of total dividends equal to original term of certificate, whether earned or not. Auto-renews at maturity for the same term at the then-current rate with a 10-day grace period.
| Term | APY · $500 – $250,000 | APY · $500 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months | — | 3.15% | 3.20% | 3.15%3.20% from $100k | $156 |
| 7 monthsLimited-time special offer. Must be funded with new money not currently on deposit with Everence (stated as of 6/1/2026 in footnote 1 and 9/1/2026 in footnote 2). Maximum deposit per certificate of $250,000. Maximum of one certificate per Tax ID. Auto-renews at the current rate and term for a 6-month certificate | 4.10% | — | — | 4.10% | $237 |
| 12 months | — | 3.20% | 3.25% | 3.20%3.25% from $100k | $320 |
| 13 monthsLimited-time special offer. Maximum deposit per certificate of $250,000. Maximum of one certificate per Tax ID. Auto-renews at the current rate and term for a 12-month certificate | 4.00% | — | — | 4.00% | $434 |
| 18 months | — | 3.25% | 3.30% | 3.25%3.30% from $100k | $491 |
| 19 monthsLimited-time special offer. Maximum deposit per certificate of $250,000. Maximum of one certificate per Tax ID. Auto-renews at the current rate and term for an 18-month certificate | 3.90% | — | — | 3.90% | $624 |
| 24 months | — | 3.30% | 3.35% | 3.30%3.35% from $100k | $671 |
| 30 months | — | 3.35% | 3.40% | 3.35%3.40% from $100k | $859 |
| 31 monthsLimited-time special offer. Maximum deposit per certificate of $250,000. Maximum of one certificate per Tax ID. Auto-renews at the current rate and term for a 30-month certificate | 3.70% | — | — | 3.70% | $984 |
| 36 months | — | 3.40% | 3.45% | 3.40%3.45% from $100k | $1,055 |
| 48 months | — | 3.45% | 3.50% | 3.45%3.50% from $100k | $1,453 |
| 60 months | — | 3.50% | 3.55% | 3.50%3.55% from $100k | $1,877 |
Who can join Everence
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.