Banking
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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Products and services
Banking with Everence
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.
Consumer loans
We offer specific loans for vehicles, education and more, plus personal loans for needs that don't necessarily fit a category.
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.
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.
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.
Online and mobile banking
Through online and mobile banking, you can manage your accounts nearly anywhere and anytime.
Health savings accounts (HSA)
With an HSA, it's possible to set aside tax-free money for qualified health expenses.
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.
Indexed money market
Indexed money market pays 2.50% APY2
Open an indexed money market account to set money aside for when you need it, while still putting it to work for you!
Rates
Current rates and service schedule
3.74% APR3
Auto and motorcycle loans
Plus, get a 0.50 percent interest rate discount for purchasing a hybrid, electric or fuel-efficient vehicle.4
1.99%5
Home equity line of credit
Borrow up to 90 percent of the value of your property with minimal closing costs.
Rate details
Loan and savings rates
We offer a competitive selection of loan and savings rates, with only a few instances incurring minimal fees.
Switch to Everence
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.
Join the Everence community
Let Everence help you reach your financial goals, no matter where you are on your journey.
Everence Federal Credit Union
2160 Lincoln Highway E., Suite 20
Lancaster, PA 17602
Call or text: (800) 451-5719
F: (717) 735-8331
E: infocu@everence.com
Download the app: App Store | Google Play
Stories
Supporting the journey
Faith and Finance
MyNeighbor card racks up donations for nonprofits
MyNeighbor program makes a difference
Getting started
Is a new car in your future?
Keep these tips in mind to find the best new (or new-to-you) car
Banking
Everence Federal Credit Union launches "Pays"
Use this option to pay without getting your card out of your wallet
Disclosure
1 APY = Annual Percentage Yield. Applies to the first $1,000 in the account, then dividend rates vary according to account balance. Rates are subject to change without notice. Limited to individual accounts - one per tax ID. Credit union products are federally insured by NCUA.
2 APY effective 4/1/2019 and applies to first $5,000. Lower APY applies to amounts over $5,000. All APYs are variable based on the Fed Funds Target Rate. Minimum deposit of $5,000 to open account. Fees may apply if balance falls under $5,000 or if monthly transaction limits exceeded. Fees may reduce earnings. Offer limited to one account per tax ID. Offer, including APYs, subject to change without notice.
3 APR = Annual Percentage Rate. APRs for a 60-month loan currently range from 3.74% APR to 16.24% APR for credit scores ranging from 650 and higher. Loan payment example: The monthly payment per $1,000 borrowed at 3.74% APR for a term of 60 months would require 60 monthly payments of $18.30 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.
4 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.
5 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.