Credit union · NCUA insured
Everwise Credit Union CD Rates
Top CarrotEverwise Credit Union’s best CD rate is 4.47% APY on a 15-month share certificate (CD). Terms run from 6 months to 6 years. Rates checked October 15, 2026.
How Everwise Credit Union’s CD rates compare
Compared with banks and credit unions near Indianapolis, IN, where Everwise Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Everwise Credit Union
4.47%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $562
Share Certificate Specials
Top rate
IU Credit Union
4.50%APY
- Term
- 6 months
- Minimum
- $2,000
- Earns on $10,000
- $223
2nd-highest rate
Elements Financial
4.50%APY
- Term
- 8 months
- Minimum
- $1,000
- Earns on $10,000
- $298
Everwise Credit Union CD score
98
CD score
Higher than 99% of U.S. banks and credit unions
- 3–8 months3–8 mo4.35%
- 9–15 months9–15 mo4.47%
- 16–30 months16–30 mo4.47%
- 31–60 months31–60 mo4.12%
- QualifiedQualified4.47%
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 Everwise Credit Union 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.
Share Certificate Specials
Up to 4.47%APY · 4 terms
Must be an Everwise member ($5 initial Share deposit required). Limited time only and subject to termination without notice. Early withdrawal penalty may apply, which may reduce earnings. Not available on HSA certificates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsLimited time only and subject to termination without notice. Early withdrawal penalty may apply, which may reduce earnings. Minimum balance required to earn APY is $500 | 4.35% | $251 |
| 15 monthsLimited time only and subject to termination without notice. Early withdrawal penalty may apply, which may reduce earnings. Minimum balance required to earn APY is $500 | 4.47% | $562 |
| 20 monthsLimited time only and subject to termination without notice. Early withdrawal penalty may apply, which may reduce earnings. Minimum balance required to earn APY is $500 | 4.47% | $756 |
| 37 monthsLimited time only and subject to termination without notice. Early withdrawal penalty may apply, which may reduce earnings. Minimum balance required to earn APY is $500 | 4.12% | $1,326 |
Sources (3)
- everwisecu.com/personal/rates
- everwisecu.com/personal/savings/certificates
- everwisecu.com/certificate-web
All captured Oct 15, 2026
Share Certificates
Up to 3.04%APY · 7 terms
Must be an Everwise member ($5 initial Share deposit required). Minimum balance required to earn APY is $500. Early withdrawal penalty may apply, which may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMinimum balance required to earn APY is $500. Early withdrawal penalty may apply | 1.19% | $59 |
| 12 monthsMinimum balance required to earn APY is $500. Early withdrawal penalty may apply | 1.36% | $136 |
| 18 monthsMinimum balance required to earn APY is $500. Early withdrawal penalty may apply | 1.62% | $244 |
| 24 monthsMinimum balance required to earn APY is $500. Early withdrawal penalty may apply | 2.22% | $449 |
| 36 monthsMinimum balance required to earn APY is $500. Early withdrawal penalty may apply | 2.65% | $816 |
| 60 monthsMinimum balance required to earn APY is $500. Early withdrawal penalty may apply | 2.84% | $1,503 |
| 72 monthsMinimum balance required to earn APY is $500. Early withdrawal penalty may apply | 3.04% | $1,968 |
Sources (3)
- everwisecu.com/personal/rates
- everwisecu.com/personal/savings
- everwisecu.com/personal/savings/certificates
All captured Oct 15, 2026
Special-purpose accounts
Share Certificate Specials - IRA
Up to 4.48%APY · 4 terms
Must be an Everwise member ($5 initial Share deposit required). Open IRA Certificates at a branch by scheduling an appointment, not available online. Limited time only and subject to termination without notice. Early withdrawal penalty may apply, which may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsLimited time only and subject to termination without notice. Early withdrawal penalty may apply, which may reduce earnings. Minimum balance required to earn APY is $500 | 4.36% | $252 |
| 15 monthsLimited time only and subject to termination without notice. Early withdrawal penalty may apply, which may reduce earnings. Minimum balance required to earn APY is $500 | 4.48% | $563 |
| 20 monthsLimited time only and subject to termination without notice. Early withdrawal penalty may apply, which may reduce earnings. Minimum balance required to earn APY is $500 | 4.48% | $758 |
| 37 monthsLimited time only and subject to termination without notice. Early withdrawal penalty may apply, which may reduce earnings. Minimum balance required to earn APY is $500 | 4.13% | $1,329 |
Sources (3)
- everwisecu.com/personal/rates
- everwisecu.com/personal/savings/certificates
- everwisecu.com/certificate-web
All captured Oct 15, 2026
IRA Certificates
Up to 3.06%APY · 7 terms
Must be an Everwise member ($5 initial Share deposit required). Open IRA Certificates at a branch, not available online. Minimum balance to earn APY is $500. Early withdrawal penalty may apply, which may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMinimum balance to earn APY is $500. Early withdrawal penalty may apply. Open at a branch, not available online | 1.22% | $61 |
| 12 monthsMinimum balance to earn APY is $500. Early withdrawal penalty may apply. Open at a branch, not available online | 1.39% | $139 |
| 18 monthsMinimum balance to earn APY is $500. Early withdrawal penalty may apply. Open at a branch, not available online | 1.65% | $249 |
| 24 monthsMinimum balance to earn APY is $500. Early withdrawal penalty may apply. Open at a branch, not available online | 2.25% | $455 |
| 36 monthsMinimum balance to earn APY is $500. Early withdrawal penalty may apply. Open at a branch, not available online | 2.68% | $826 |
| 60 monthsMinimum balance to earn APY is $500. Early withdrawal penalty may apply. Open at a branch, not available online | 2.86% | $1,514 |
| 72 monthsMinimum balance to earn APY is $500. Early withdrawal penalty may apply. Open at a branch, not available online | 3.06% | $1,982 |
Sources (1)
- everwisecu.com/personal/rates · captured Oct 15, 2026
HSA Certificates
Up to 2.93%APY · 3 terms
Must be an Everwise member ($5 initial Share deposit required). Minimum balance to earn APY is $500. Early withdrawal penalty may apply, which may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMinimum balance to earn APY is $500. Early withdrawal penalty may apply | 1.41% | $141 |
| 36 monthsMinimum balance to earn APY is $500. Early withdrawal penalty may apply | 2.73% | $842 |
| 60 monthsMinimum balance to earn APY is $500. Early withdrawal penalty may apply | 2.93% | $1,553 |
Sources (1)
- everwisecu.com/personal/rates · captured Oct 15, 2026
Who can join Everwise Credit Union
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.
Membership information collected October 5, 2026.