Credit union · NCUA insured
Everwise Credit Union
Top CarrotA $5.7B credit union, the 70th largest of 4,329, headquartered in South Bend, IN, with 298,815 members and 49 branches in 2 states. Best rates: CDs 4.47% and savings 0.75% APY.
Everwise Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 87% of U.S. banks and credit unions
#6 of 43 in Indianapolis, IN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Everwise Credit Union
Founded in 1931 as Teachers Credit Union, Everwise Credit Union is a member-owned financial cooperative.
Headquartered in South Bend, Indiana, Everwise serves nearly 300,000 members across Indiana and southwest Michigan.
- Headquarters
- 110 S Main St, South Bend, IN 46601-1805
- NCUA charter
- 60060
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live or work in all Indiana counties, except Marion County (which goes by township), are eligible for membership.
- Individuals who live in Berrien and Cass Counties in Michigan, or in Bloomfield, West Bloomfield, Commerce, Clinton, and Macomb townships in Oakland & Macomb Counties, are eligible for membership.
Family and household
- Immediate family members of an existing Everwise Credit Union member under Indiana eligibility guidelines are eligible for membership.
- Non-family members who are tax dependents of an existing member and live in the same household are eligible for membership.
- Immediate family members (parent, child, or sibling by blood or marriage) who live in the same household as an existing Everwise Credit Union member are eligible for membership under Michigan eligibility rules.
Cost to join
- Membership requires a $5 initial Primary Savings deposit.
Branches
49 branches in 2 states
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Indiana
45 branches
Indianapolis area · 17
- Avon 267607 E US Highway 36, Avon, IN 46123Directions
- Carmel Drive 69635 E Carmel Dr, Carmel, IN 46032Directions
- Meijer Carmel 271424 W Carmel Dr, Carmel, IN 46032Directions
- Allisonville 4710998 Allisonville Rd, Fishers, IN 46038Directions
- Meijer Greenwood 36150 Marlin Dr, Greenwood, IN 46142Directions
- Worthsville 6218 Providence Dr, Greenwood, IN 46143Directions
- Emerson 214705 S Emerson Ave, Indianapolis, IN 46203Directions
- Meijer Fisher 288375 E 96th St, Indianapolis, IN 46256Directions
- Meijer Pike Plaza 375349 W Pike Plaza Rd, Indianapolis, IN 46254Directions
- Meridian 82331 N Meridian St, Indianapolis, IN 46208Directions
- One North Capitol 331 N Capitol Ave Ste 101, Indianapolis, IN 46204Directions
- Park 100 305130 W 71st St, Indianapolis, IN 46268Directions
- Post Rd 53445 S Post Rd, Indianapolis, IN 46219Directions
- Shadeland 96710 N Shadeland Ave, Indianapolis, IN 46220Directions
- Meijer Noblesville 3817000 Mercantile Blvd, Noblesville, IN 46060Directions
- Meijer Plainfield 58400 N Dan Jones Rd, Plainfield, IN 46168Directions
- Westfield 7245 W Tournament TRL, Westfield, IN 46074Directions
South Bend area · 10
- Corporate 11Main office110 S Main St, South Bend, IN 46601Directions
- Granger 4213050 State Road 23, Granger, IN 46530Directions
- University Park 13346 W Cleveland Rd, Granger, IN 46530Directions
- Bittersweet 34345 N Bittersweet Rd, Mishawaka, IN 46544Directions
- Meijer 331 433610 Bremen Hwy, Mishawaka, IN 46544Directions
- Mishawaka 4133 E McKinley Ave, Mishawaka, IN 46545Directions
- Ireland Road 71930 E Ireland Rd, South Bend, IN 46614Directions
- Lincolnway West 32735 Lincoln Way W, South Bend, IN 46616Directions
- Portage 313915 Portage Rd, South Bend, IN 46628Directions
- Walkerton 2449 Liberty St, Walkerton, IN 46574Directions
Chicago area · 5
- Chesterton 51104 E 1100 N, Chesterton, IN 46304Directions
- Gary 543730 Grant St, Gary, IN 46408Directions
- St. John 468615 Wicker Ave, St. John, IN 46373Directions
- Valparaiso South 48302 Silhavy Rd, Valparaiso, IN 46383Directions
- Whiting 451703 Calumet Ave, Whiting, IN 46394Directions
Elkhart area · 4
- Concord 244574 Elkhart Rd, Elkhart, IN 46517Directions
- County Road 6 29201 County Road 6 W, Elkhart, IN 46514Directions
- Sr19 572930 S Nappanee St, Elkhart, IN 46517Directions
- Martins Goshen 401527 Bashor Rd, Goshen, IN 46528Directions
Plymouth area · 2
- Plymouth East 3201 Plymouth Goshen Trl, Plymouth, IN 46563Directions
- Plymouth West 171501 N Oak Dr, Plymouth, IN 46563Directions
Warsaw area · 2
- Warsaw North 412890 Frontier Dr, Warsaw, IN 46582Directions
- Warsaw South 6108 E Winona Ave, Warsaw, IN 46580Directions
Crawfordsville area · 1
- Crawfordsville 181570 S US Highway 231, Crawfordsville, IN 47933Directions
Greencastle area · 1
- Greencastle 1657 Putnam Plz, Greencastle, IN 46135Directions
Huntington area · 1
- Huntington 15313 Northpoint Ave, Huntington, IN 46750Directions
Louisville/Jefferson County area · 1
- New Albany 523308 Grant Line Rd, New Albany, IN 47150Directions
Rochester area · 1
- Rochester 101707 E State Road 14, Rochester, IN 46975Directions
Michigan
4 branches
- New Buffalo 6645 N Whittaker St, New Buffalo, MI 49117Directions
- Niles 351500 S 11th St, Niles, MI 49120Directions
- Sawyer 676485 Sawyer Rd, Sawyer, MI 49125Directions
- Three Oaks 686701 US Highway 12, Three Oaks, MI 49128Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.11% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.91% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.75% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $90 | $88 | — |
- CapitalNet worth ratio9.11%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.91%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.75%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$90Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Everwise Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.