Credit union · NCUA insured
Everwise Credit Union Savings Rates
Top CarrotEverwise Credit Union’s best savings rate is 0.75% APY on $10,000, with its Premium Money Market. Rates checked October 15, 2026.
How Everwise Credit Union’s savings 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
3.00%APY
- Requires
- Another account
- Minimum
- $0
- Earns on $10,000 a year
- $300
Boost High-Yield Savings
Top rate
CFBank
4.25%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $425
2nd-highest rate
Northwest Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
Everwise Credit Union savings score
85
Savings score
Higher than 71% of U.S. banks and credit unions
- $1,000 balance$1,0000.75%
- $10,000 balance$10,0000.75%
- $100,000 balance$100,0003.18%
- QualifiedQualified3.00%
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 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.
Ultra Money Market
0.00%APY
Minimum opening deposit is $50,000. No minimum balance required to keep the account open. Must maintain a $50,000 minimum daily balance and have at least $100,000 in combined relationships/funds (shares, loans, investments) under the same member number on the last day of the prior dividend period to be eligible/earn dividends. Rate is calculated using Federal Reserve Bank's Federal Funds Rate on the last business day of the prior dividend period less 75 basis points (minimum APY 0.00%, maximum APY 7.23%).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Balance required to earn dividends: Less than $50,000. If balance falls below $50,000, no dividends are paid. | 0.00% | $0 | Balance required to earn dividends: Less than $50,000. If balance falls below $50,000, no dividends are paid. |
| $50,000 and upNew Money Promotion effective through 12/31/2026. Requires $25,000 or more in new money from another financial institution not on deposit with Everwise as of July 1, 2026, meeting the $50,000 minimum daily balance and $100,000 combined relationship requirements. | 3.69% | — | New Money Promotion effective through 12/31/2026. Requires $25,000 or more in new money from another financial institution not on deposit with Everwise as of July 1, 2026, meeting the $50,000 minimum daily balance and $100,000 combined relationship requirements. |
| $50,000 and upStandard rate for balance of $50,000 and greater. Requires at least $100,000 in combined relationships under the same member number. | 3.18% | — | Standard rate for balance of $50,000 and greater. Requires at least $100,000 in combined relationships under the same member number. |
Sources (3)
- everwisecu.com/personal/rates
- everwisecu.com/personal/savings
- everwisecu.com/personal/savings/ultra-money-market
All captured Oct 5, 2026
Boost High-Yield Savings
3.00%APY
Requires direct deposits totaling at least $2,000 going into an Everwise consumer checking account (excluding HSAs) under the same membership during the prior dividend period. Dividends are paid automatically for the first 2 dividend periods from account opening; after that, non-qualifying periods earn 0.00%.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance required. Direct deposits totaling $2,000+ monthly to an Everwise checking account required to earn dividends after initial 2 periods.Any balance | 3.00% | $300 | No minimum balance required. Direct deposits totaling $2,000+ monthly to an Everwise checking account required to earn dividends after initial 2 periods. |
Premium Money Market
0.75%APY
Tiered dividend structure. No term commitment.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000Balance required to earn dividends: Less than $100,000. | 0.75% | $75 | Balance required to earn dividends: Less than $100,000. |
| $100,000 and upBalance required to earn dividends: $100,000 and Greater. | 1.26% | — | Balance required to earn dividends: $100,000 and Greater. |
Choice Savings
0.10%APY
Goal-based savings account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Balance required to earn dividends: Less than $2,500. | 0.00% | — | Balance required to earn dividends: Less than $2,500. |
| $2,500 – $10,000Balance required to earn dividends: $2,500-$9,999.99. | 0.05% | — | Balance required to earn dividends: $2,500-$9,999.99. |
| $10,000 – $100,000Balance required to earn dividends: $10,000-$99,999.99. | 0.10% | $10 | Balance required to earn dividends: $10,000-$99,999.99. |
| $100,000 and upBalance required to earn dividends: $100,000 and greater. | 0.15% | — | Balance required to earn dividends: $100,000 and greater. |
Primary Share Savings
0.10%APY
$5 balance required to maintain membership.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Balance required to earn dividends: Less than $2,500. | 0.00% | — | Balance required to earn dividends: Less than $2,500. |
| $2,500 – $10,000Balance required to earn dividends: $2,500-$9,999.99. | 0.05% | — | Balance required to earn dividends: $2,500-$9,999.99. |
| $10,000 – $100,000Balance required to earn dividends: $10,000-$99,999.99. | 0.10% | $10 | Balance required to earn dividends: $10,000-$99,999.99. |
| $100,000 and upBalance required to earn dividends: $100,000 and greater. | 0.15% | — | Balance required to earn dividends: $100,000 and greater. |
Special-purpose accounts
IRA Share Savings
0.25%APY
Traditional and Roth IRA options available. Option to set up automatic deposits of $25 or more each month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance required to earn dividends.Any balance | 0.25% | $25 | No minimum balance required to earn dividends. |
Tiered IRA Share
0.25%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Balance required to earn dividends: Less than $10,000. | 0.01% | — | Balance required to earn dividends: Less than $10,000. |
| $10,000 and upBalance required to earn dividends: $10,000 and Greater. | 0.25% | $25 | Balance required to earn dividends: $10,000 and Greater. |
Sources (1)
- everwisecu.com/personal/rates · captured Sep 18, 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.