Church savings

Everence Federal Credit Union offers several types of savings options for churches and congregations. Bank with a company rooted in faith – one that shares your values for community and good stewardship.

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Church steeple against a blue sky

Start saving

Jump start your savings

Churches have unique needs when it comes to saving for the future. Everence offers a variety of savings accounts to help meet the goals of your church. 

0.25% APY1

Indexed money market

Our indexed money market rate changes when the Fed Funds rate shifts. Open and maintain $5,000 in the account and enjoy the same features of our other money market account.

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Start with $5

Primary savings

Your share savings account is the start of your membership. After opening a savings account, you can open other types of EFCU accounts.

Additional savings accounts

Other accounts to help you save

After opening a primary savings account, Everence Federal Credit Union offers a variety of savings products to churches and congregations.


Everence Federal Credit Union has certificates available in maturities from six to 60 months with minimum balances of $500 to $100,000. Dividends are compounded quarterly. As with most certificates, penalties apply for early withdrawal.

Club accounts

In addition to a primary savings account, churches can set up club accounts and have them customized to your church needs. Churches may set up as many club accounts as they wish, for such things as children's departments, trustees, youth groups and other ministries. Club accounts do not have monthly maintenance fees and accounts above $50 accrue dividends.

Money markets2

Our money market accounts for churches earn dividends with limited check-writing privileges. There is no monthly fee if the daily balance does not fall below $2,500. You will receive six free checks or withdrawals each month. Fees apply for additional withdrawals3.

Simplified employee pension2

In addition to individual retirement accounts (IRAs) – traditional, Roth, and educational – Everence Federal Credit Union offers simplified employee pension (SEP) plan accounts for churches wanting this service for their employees.

Open a church savings account

Open your membership and savings account online or through our downloadable application.

Online application Download application

To open a SEP, call 800-451-5719 and ask to speak with an IRA representative, or email

Everence Federal Credit Union

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

Download the app: App Store | Google Play

Find an Everence Federal Credit Union near you. 

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.

Member benefits


1 Annual Percentage Yield (APY) 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.

2 Dividend rates vary according to balance.

3 A $10 fee occurs for each additional withdrawal.