Get more and give back with Everence Federal Credit Union

Everence Federal Credit Union provides an array of financial products for those who value banking with impact – especially tailored to you, your organization or business, and your church.
Credit union difference

Why bank with Everence Federal Credit Union?

We are a nonprofit that integrates your faith values with your finances. When you join, you are a member who literally owns a share of the credit union.
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Financially stable and NCUA insured

Just as bank deposits are insured by the FDIC, our deposits are federally insured by the National Credit Union Administration (NCUA), up to at least $250,000 per individual depositor. 
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Competitive rates and low fees

Credit union profits come back to members, often through lower fees and more competitive rates, with discounts on green loans. 
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ATMs and shared branching

As a member, you have access to our physical branches as well as a network of shared branches and fee-free ATMs across the country to provide easier access to your money. 
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Personal and community benefits

Through joining Everence Association, members can take advantage of extra perks including college scholarships and partial reimbursement for will preparation. Beyond banking services, Everence can help you on your financial journey – from financial planning and socially responsible investing to charitable giving.
Current promotions & News

Check out what's new at Everence Federal Credit Union

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Join us for our annual members meeting

Join our Everence® Federal Credit Union Board of Directors and credit union management team for our 2024 members meeting, Friday, April 26 at 4 p.m. at our Mount Joy branch. The event will also be livestreamed.
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More money, fewer payments

Save money with a debt consolidation loan! When you bundle high-interest credit card balances, you can save money with a lower interest rate – and have fewer payments to make each month.
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Enjoy more rewards

Our new Relationship Checking account rewards you for banking with Everence. Earn a base rate with $1,000 in your account and an additional relationship rate when you satisfy additional requirements.

Banking with impact

Who says you can't get more, and give back?

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MyNeighbor credit card

Get more with no annual fees, low interest rates, convenient account accessibility and card controls with our MyNeighbor credit card. Give back to charity as Everence donates 1.50% of your transaction total to your selected Neighbor.
 

Hear Yazmin and Christian's story about how Everence Federal Credit Union helped them fulfill their dream of owning a store in Harrisonburg, Virginia.

Give back...

 
To charity.

To the community.

  • Meeting needs of underbanked individuals, families, congregations, and small businesses. Learn more about our work in Philadelphia.
  • Financial wellness through credit-building programs, specialized loan products and tailored impact efforts.

To the environment.

Everence Federal Credit Union at a glance

  • Products and services
  • Rates
  • Locations and ATMs
  • Membership eligibility
Products and services
PRODUCTS AND SERVICES

What can I get as a member?

No matter where you are in your financial journey, Everence Federal Credit Union has a product for you. Explore our products and services for individuals, organizations, and businesses. 

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Personal checking and savings

Whether you need an account to save for the future or you're looking for a checking account, we have an option to fit your needs.
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Consumer loans

We offer specific loans for vehicles, education and more, plus personal loans for needs that don't necessarily fit a category.
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Mortgages and home equity loans

We offer multiple adjustable- and fixed-rate options, or you can put the equity in your home to work for you.
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Health savings accounts (HSA)

With an HSA, it's possible to set aside tax-free money for qualified health expenses.
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Credit and debit cards

Our credit and debit cards are ready to work for you. With the added MyNeighbor benefit to credit cards, you can generate reward dollars for your favorite charitable organization.
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Digital banking

With digital banking, you can manage your accounts nearly anywhere and anytime through online banking, the mobile app, video banking and more.
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Business banking and loans

With several choices of savings and checking accounts, we can help you find the accounts that best fit your business needs.
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Church banking and loans

Our products and services are designed to meet the financial needs of congregations. This includes the church itself and the church’s employees.
Rates
RATES

What are your rates?

Everence Federal Credit Union offers a wide selection of savings and loan rates. Our competitive rates and limited fees help you reach your goals.

5.990% APR1

Auto and motorcycle loans

Plus, get a 0.50% interest rate discount for purchasing an electric or hybrid vehicle.2

5.490% APR3
for 12 months;
8.240% - 15.500% APR

thereafter

Home equity line of credit

Borrow up to 90% of the value of your property with minimal closing costs.
Locations and ATMs
LOCATIONS AND ATMS

Where can I bank?

For those who prefer to visit a physical location, Everence Federal Credit Union offers nine convenient locations. As part of the Co-op Network, Everence members also have access to fee-free ATMs and shared branches across the country. We also offer a full digital banking suite.

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Network of fee-free ATMs and shared branching

We are part of the Co-op Network, which provides you with even more access to your credit union accounts nationwide. 

ATM network

With nearly 30,000 ATMs across the country, you have access to surcharge-free ATMs and ATMs where you can also make deposits.

Shared branching

With shared branching, you can visit over 5,000 credit union locations nationwide displaying the Co-op Shared Branch network logo. You can make deposits, withdrawals, transfers or loan payments to your Everence Federal Credit Union account.

A shared branch is not an ATM, but a fully staffed office where you can conduct business with real people. 

Membership eligibility
MEMBERSHIP ELIGIBILITY

Do I qualify for membership?

Experience the difference of banking with Everence Federal Credit Union, where you’re not just a number, but a valued member.

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Interested in becoming a member?

To be eligible for membership with Everence Federal Credit Union, one of the following must apply.

  • I (or an immediate family member) am an existing Everence member and/or product owner.
  • I am a member or attender of a Mennonite or Anabaptist church.
  • I work for an employer, volunteer in missions or service, reside in a retirement community, or study at an institution that is Mennonite or Anabaptist affiliated.
  • I share values consistent with the Anabaptist understanding of Christian stewardship (Psalm 24 – all I am and all I have are from God) and, in response to God’s generosity, practice stewardship of all my resources.

Who says you can't get more, and give back?

Let Everence Federal Credit Union help you reach your financial goals. Apply to become a member or contact your local branch or the national branch to get started today.

Everence Federal Credit Union

2160 Lincoln Highway E., Suite 20
Lancaster, PA 17602

Toll-Free: 800-451-5719
Phone: 717-735-8330
Fax: 717-735-8331
Text: 717-735-8332

Email: infocu@everence.com

Download the app: App Store | Google Play

Find an Everence Federal Credit Union branch, shared branch, or fee-free ATM near you.

Experience Everence

Join a community dedicated to integrating your faith and finances

Everence Federal Credit Union is part of a larger financial services company, Everence. At Everence, we help our members put their values into practice through mutual aid, community support, and people helping people. We've developed ways to make this happen by integrating unique features into our products and services.

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Values rooted in faith

As a faith-based organization, Everence is dedicated to helping you live your values through your financial decisions. Learn more about who we are.

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Decades of experience

While the credit union was founded in 1955, Everence traces its roots to 1945. We've grown out of a long tradition of church communities putting faith into action by sharing resources with each other. View our history.
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High customer satisfaction

The 2018 survey revealed that 94% of Everence members are highly satisfied with the service they receive. Read more about the survey.

Disclosure

Rates current as of April 1, 2024.

1 Annual Percentage Rates (APR) based on your credit, collateral and loan term. Must meet credit and collateral criteria to qualify.

2 A "green auto" includes electric and hybrid vehicles. Loan discounts will not reduce any rate below our current best APR.

3 The introductory and sample variable APR are based on new financing with an amount of $25,000. Applications are subject to approval. The variable rate APR adjusts monthly based on the prime rate published in the Wall Street Journal on the last business day of the month, plus a margin based on loan-to-value and creditworthiness. Your APR will depend on credit and loan terms. Offer limited to first and second mortgage liens on a one to four family residential property. Property insurance and/or flood insurance may be required.