As a credit union that shares your values, we believe all of us make better money decisions when we integrate our faith and finances. That’s why we offer banking products and services to fit your needs and your values.

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Auto loan special

Auto loan rates as low as 2.99% APY1

Plus, we offer additional ways to save you money and time:

  • Green auto loan – 0.50% interest rate discount2
  • Express auto loan3 – take a check to the dealership!

Apply online Learn more

Shared branching

Nearly 30,000 ATMs and over 5,000 shared branches

We belong to a network of credit unions with nearly 30,000 ATMs and over 5,000 shared branch locations that do not charge each other for usage. This gives our members more direct, surcharge-free access than most traditional banks offer. 

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Join the Everence community

Let Everence help you reach your financial goals, no matter where you are on your journey.

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Everence Federal Credit Union

2160 Lincoln Highway E., Suite 20
Lancaster, PA 17602
Call or text: 800-451-5719
F: 717-735-8331

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Why make the switch?

Everence is not just another credit union. 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.

Member benefits


Supporting the journey


1 Annual Percentage Rate: APR shown is available for well-qualified applicants based on credit scores. APRs for a 60-month loan currently range from 2.99% APR to 15.99% APR. Loan payment example: The monthly payment per $1,000 borrowed at 2.99% APR for a term of 60 months would require 60 monthly payments of $17.96 based on 30 days until the first payment. Rates, terms, offers and conditions are subject to change at any time based on market conditions. Your final rate and discounts are determined by your credit history. Approval is subject to meeting established credit criteria.

Green auto loans will be eligible for a 0.50 percent rate discount on the offered rate. A green auto includes hybrid, electric or fuel-efficient and is generally considered to have a combined highway and city MPG of 32 MPG. To determine if the vehicle is eligible, refer to the US Department of Energy's fuel efficiency website.

3 Express auto loan checks must be picked up at an EFCU branch.

4 The introductory and sample variable APR are based on new financing with an amount of $25,000 with an initial draw of $10,000 at loan closing and are current as of 9/1/2018. 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. Maximum APR is 18 percent. 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.