Through our Youth Program, children and teens ages 0-18 can learn the basics of building financial literacy while enjoying perks offered by Everence along the way. This includes our Youth Rewards Program - specifically for members with a youth savings account.
Everence Federal Credit Union members can receive Greenlight’s FREE1 debit card and app designed with families in mind.
Crush your debt: Refinance your student loans
Stay a step ahead: Outsmart identity thieves and scammers
Who says you can't get more, and give back?
Products and services.
To the community.
To the environment.
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.
Everence Federal Credit Union offers a wide selection of savings and loan rates. Our competitive rates and limited fees help you reach your goals.
5.49% APR3
for 12 months;
7.24% - 15.50% APR
We offer a competitive selection of loan and savings rates, with only a few instances incurring minimal fees.
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.
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.
Experience the difference of banking with Everence Federal Credit Union, where you’re not just a number, but a valued member.
To be eligible for membership with Everence Federal Credit Union, one of the following must apply.
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.
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.
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.
As a faith-based organization, Everence is dedicated to helping you live your values through your financial decisions. Learn more about who we are.
The 2018 survey revealed that 94% of Everence members are highly satisfied with the service they receive. Read more about the survey.
“Nearly 70 years later, she is still a member of our credit union.” Kristen Heisey, President and CEO of EFCU said. “Our credit union has changed a lot… And Arlene has been with us every step of the way.”
Arlene Miller is the first recorded member of Everence Federal Credit Union. Read how she became the first member and how she stayed connected with EFCU through time and regardless of distance.
Rates current as of July 1, 2025.
1Everence Federal Credit Union members are eligible for the Greenlight SELECT plan at no cost when they connect their Everence Federal Credit Union personal checking account as the Greenlight funding source for the entirety of the promotion. Subject to minimum balance requirements and identity verification. Upgrades will result in additional fees. Upon termination of promotion, members will be responsible for associated monthly fees. See terms for details. Offer ends 10/23/2026. Offer subject to change and partner participation. Card images shown are illustrative and may vary from the card you receive.
The Greenlight prepaid card is issued by Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International. Participation in this program is through Greenlight and at member’s discretion. Everence Federal Credit Union is federally insured by NCUA.
2 Annual Percentage Rates (APR) based on your credit, collateral and loan term. Must meet credit and collateral criteria to qualify.
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.
