Credit union · NCUA insured
Everence Savings Rates
Top CarrotEverence’s best savings rate is 2.85% APY, with its Relationship savings, with extra requirements. Rates checked October 16, 2026.
How Everence’s savings 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
2.85%APY
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000 a year
- $285
Relationship savings
Top rate
Northwest Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
2nd-highest rate
Univest
3.75%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $375
Everence savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0003.00%
- $10,000 balance$10,0002.48%
- $100,000 balance$100,0002.05%
- QualifiedQualified2.85%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Relationship savings
Up to 2.85%APY
Must have personal checking account and debit card. Maintain at least $5,000 in Relationship Savings and $10,000 total across all deposit accounts as of 12 a.m. on the first of the month. Limited to one account per personal tax ID. No minimum balance fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5,000 and upQualifications met: Requires personal checking account, debit card, minimum average daily balance of $5,000 in Relationship Savings, and $10,000 total balance across all deposit accounts as of 12 a.m. on the first of that month. Paid monthly.$5,000 and up | 2.85% | $285 | Qualifications met: Requires personal checking account, debit card, minimum average daily balance of $5,000 in Relationship Savings, and $10,000 total balance across all deposit accounts as of 12 a.m. on the first of that month. Paid monthly. |
| $5,000 and upBase rate when qualifications are not met. Requires minimum average daily balance of $5,000 in Relationship Savings. Paid monthly.$5,000 and up | 0.15% | $15 | Base rate when qualifications are not met. Requires minimum average daily balance of $5,000 in Relationship Savings. Paid monthly. |
Indexed Money Market
2.48%APY on $10,000
Available to members of Everence Federal Credit Union; requires a $5 share savings deposit to establish membership. Limited to individuals and one account per personal tax ID. Variable-rate tiered account tied to the Fed Funds Target Rate. A $10 monthly fee applies each month the balance falls below $2,500.
| Part of the balance | Rate on that part |
|---|---|
| Up to $2,500 | 4.00% |
| $2,500 – $100,000 | 2.00% |
| Over $100,000 | 1.00% |
On $10,000 the tiers blend to about 2.48% APY, earning $248 a year.
Jubilee savings
0.44%APY on $10,000
Limited to one account per personal tax ID.
| Part of the balance | Rate on that part |
|---|---|
| Up to $1,000 | 3.00% |
| $1,000 and up | 0.15% |
On $10,000 the tiers blend to about 0.44% APY, earning $44 a year.
Sources (2)
- everence.com/banking/personal-…savings/personal-savings
- everence.com/banking/rates-and…e-schedule/savings-rates
All captured Oct 16, 2026
Special-purpose accounts
Youth savings
0.64%APY on $10,000
Designed for kids/youth under age 18. Limited to one account per personal tax ID. Switches to a regular savings account at age 18.
| Part of the balance | Rate on that part |
|---|---|
| Up to $1,000 | 5.00% |
| $1,000 and up | 0.15% |
On $10,000 the tiers blend to about 0.64% APY, earning $64 a year.
Health Savings Accounts (HSA)
0.50%APY
Must establish Everence Federal Credit Union membership with at least $5 in savings account. Requires coverage under a high-deductible health plan (HDHP), no other non-HDHP coverage, not enrolled in Medicare Part A or B, and cannot be claimed as a dependent.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceStandard HSA earns 0.50% APY. No annual fees. Compounding quarterly unless otherwise stated.Any balance | 0.50% | $50 | Standard HSA earns 0.50% APY. No annual fees. Compounding quarterly unless otherwise stated. |
Sources (2)
All captured Oct 16, 2026
Individual Retirement Accounts (IRA)
0.50%APY
Available as Traditional or Roth IRA savings accounts. Must have earned compensation to contribute. Compounding quarterly unless otherwise stated.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceCompounding quarterly.Any balance | 0.50% | $50 | Compounding quarterly. |
Regular savings and club
0.15%APY
Includes share savings (starts credit union membership with $5 deposit) and club accounts for dedicated savings goals. Compounding quarterly unless otherwise stated.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceCompounding quarterly.Any balance | 0.15% | $15 | Compounding quarterly. |
Sources (2)
- everence.com/banking/personal-…savings/personal-savings
- everence.com/banking/rates-and…e-schedule/savings-rates
All captured Oct 16, 2026
Who can join Everence
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.