Credit union · NCUA insured
Everence Credit Card Rates
Top CarrotEverence credit cards start at 8.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Everence’s credit card rates compare
Compared with banks and credit unions near Lancaster, PA, where Everence has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Everence
8.90%APR
- Up to
- 16.90% APR
MyNeighbor Credit Card
2nd-lowest rate
Lanco Federal Credit Union
8.99%APR
- Up to
- —
3rd-lowest rate
Team First FCU
9.99%APR
- Up to
- —
Everence credit card score
89
Credit card score
Higher than 87% of U.S. banks and credit unions
- Purchase APRPurchase APR8.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Everence ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Everence Everyday Rewards Credit Card
Personal credit card with no annual fee. Earns 3% cash back on eligible grocery, gas and EV charging purchases, and 1% cash back on all other eligible purchases. Rewards automatically deposited into designated Everence checking or savings account. Cash back reward maximum $250/month; minimum redemption $5.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 17.99% | None | Standard variable APR applies to purchases and cash advances (17.99% as of September 1, 2026). Cash back rewards 3% on eligible grocery, gas, EV charging and 1% on other eligible purchases. Maximum cash back reward $250/month; minimum redemption $5. |
| Intro, 12 months | 0.00% | None | Introductory 0% APR on balance transfers for 12 months with a 3% balance transfer fee. After promotional period, standard variable APR of 17.99% applies to remaining balance. Offer expires March 31, 2027. |
Sources (3)
- everence.com/articles/credit-u…yday-rewards-credit-card
- everence.com/banking/credit-an…it-cards-for-individuals
- everence.com/banking
All captured Oct 6, 2026
MyNeighbor Credit Card
Personal credit card for individuals. No annual fee, no cash advance or domestic transaction fees; 1% foreign transaction fee applies. Everence donates 1.50% of transaction total to selected charity/church.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.90%–16.90% | None | Standard APR on unpaid balance based on creditworthiness. 8.90% APR listed as lowest rate as of October 1, 2026. No annual fee, no cash advance or domestic transaction fees. No interest charged on purchases if paid within 25 days of statement date. 1% foreign transaction fee. |
| Intro, 12 months | 0.00% | None | Introductory 0% APR on balance transfers for 12 months with a 3% balance transfer fee. Offer expires March 31, 2027. |
Sources (8)
- everence.com
- everence.com/articles/credit-u…yday-rewards-credit-card
- everence.com/banking/credit-and-debit-cards
- everence.com/banking/credit-an…it-cards-for-individuals
- everence.com/banking/rates-and…vice-schedule/loan-rates
- everence.com/en-espanol/banca/…-credito-para-individuos
- everence.com/banking
- everence.com/banking/consumer-loans
All captured Oct 6, 2026
Who can join Everence
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.