Credit union · NCUA insured
Everwise Credit Union Credit Card Rates
Top CarrotEverwise Credit Union credit cards start at 11.00% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How Everwise Credit Union’s credit card rates compare
Compared with banks and credit unions near Indianapolis, IN, where Everwise Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Everwise Credit Union
11.00%APR
- Up to
- 21.00% APR
Everwise Visa Platinum
Lowest rate
Christian Family Credit Union
8.90%APR
- Up to
- —
2nd-lowest rate
Firefighters Credit Union
8.90%APR
- Up to
- —
Everwise Credit Union credit card score
77
Credit card score
Higher than 43% of U.S. banks and credit unions
- Purchase APRPurchase APR11.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Everwise Credit Union 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.
Everwise Visa Accelerate
Secured credit card using member's own money as collateral. Subject to membership eligibility and credit approval. Borrower must be a resident of Indiana or Michigan.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 19.99% | None | Fixed APR for purchases. |
| Ongoing | 19.99% | None | Fixed APR for cash advances. Balance transfers not applicable. |
Sources (2)
All captured Oct 15, 2026
Everwise Visa Platinum
Subject to membership eligibility and credit approval. Borrower must be a resident of Indiana or Michigan. No annual fee. Balance transfer fee is $10.00 or 2.00% of the amount of each balance transfer, whichever is greater.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | Introductory APR for the first 6 months from account opening on purchases. |
| Ongoing | 11.00%–21.00% | None | Variable ongoing APR for purchases based on creditworthiness; varies with the market based on the Prime Rate. Tiers include 11.00%, 13.00%, 15.00%, 17.00%, or 21.00% APR. |
| Ongoing | 13.50%–23.50% | None | Variable APR for cash advances based on creditworthiness; varies with the market based on the Prime Rate. |
Sources (2)
All captured Oct 15, 2026
Everwise Visa Signature Rewards
Subject to membership eligibility and credit approval. Borrower must be a resident of Indiana or Michigan. No annual fee. Balance transfer fee is $10.00 or 2.00% of the amount of each balance transfer, whichever is greater.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | Introductory APR for the first 6 months from account opening on purchases. |
| Ongoing | 15.00%–19.00% | None | Variable ongoing APR for purchases based on creditworthiness; varies with the market based on a Prime Rate. Tiers include 15.00%, 17.00%, or 19.00% APR. |
| Ongoing | 15.00%–19.00% | None | Variable APR for cash advances based on creditworthiness; varies with the market based on a Prime Rate. |
Sources (2)
All 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.