Primary savings

Start your savings

Every Everence Federal Credit Union member has a primary savings account as a place to start your savings. 

Woman sitting at a table with her laptop

Primary savings account

  • $5 minimum
    Start your Everence savings account with a minimum of $5. You may add more to this account anytime.
  • Earn dividends
    This account receives dividends based on current rates.
  • Transfer money
    Easily transfer money between your Everence checking and savings accounts.
  • Access on-the-go
    Use online and mobile banking options to see your balances and bank from anywhere.
  • Open other EFCU accounts
    With a primary savings account, you can open any other type of EFCU account.

Jubilee savings

Jubilee savings pays 2.00% APY4

Set up a Jubilee savings account and earn higher dividends on the first $1,000. 

Other Savings accounts

Other accounts to help you save

Set aside your money in other types of personal savings accounts to help you reach your short-term and long-term goals. We have a variety of account options to fit your needs.

Club accounts

Set up a club account to save up for a new vehicle, dream vacation or to manage your Christmas purchases in advance.

  • Customize the settings on your account to fit your goals.
  • Automate your savings with payroll deductions or automatic transfers into your club accounts.
  • Easily transfer money among your club account and your Everence checking and savings accounts.


Certificates are available in maturities from six to 60 months with balances between $500-$100,000. Dividends are compounded quarterly. Penalties apply for early withdrawal.


We offer two kinds of individual retirement accounts:

  • Traditional
  • Roth

Everence also offers other IRA custodians to help you grow your IRA savings. 

Education saving accounts

Start saving for college and other educational expenses with a Coverdell education savings account. You can contribute up to $2,000 annually into the account with after-tax dollars, but the fund grows tax-deferred.

Money market4

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 to additional withdrawals5.

Certificate specials

Check out our current certificate specials

  • 3.00% APY for 60 months1 for members under the age of 18
  • 1.00% APY for 25 months2
  • 0.75% APY for 13 months3

Learn more

Open a savings account and become a member

You can open a personal savings account by completing the online application. All accounts must begin with a share savings account.

Open a savings account online

Download the application: EnglishEspañol

Bring in, mail or fax the completed application to your local branch.

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. 


Savings rates

Savings account APY6
Primary savings 0.10%
Jubilee savings 2.00%
Youth savings 1.75%
HSAs 0.35%
IRAs 0.50%
Certificates7 2.10%

Savings rate details

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 3.00% APY (Annual Percentage Yield). For members under 18, only one youth certificate per member. Minimum balance of $50. Maximum balance allowed is $500. This certificate will roll over into a 12-month certificate at the then current rate. Offers may be withdrawn at any time. Penalty for early withdrawal. Penalty waived if the child takes out an Everence student loan.

1.00% APY (Annual Percentage Yield). 25-month certificate is available to members as of 9/30/2017 and is restricted to funds on deposit on purchase date. Minimum deposit of $500 required. Certificate will roll over into a 24-month certificate at the then current rate. Offers may be withdrawn at any time. Penalty for early withdrawal.

0.75% APY (Annual Percentage Yield). Minimum deposit of $500 required. Certificate will roll over into a 12-month certificate at the then current rate. Offers may be withdrawn at any time. Penalty for early withdrawal. 

4 APY = Annual Percentage Yield. Dividend rates vary according to account balance. Rates are subject to change without notice. Jubilee savings is limited to an individual account - one per tax ID. 

A $10 fee occurs for each additional withdrawal.

6 APY = Annual Percentage Yield. Highest current rates.

7 Rates vary depending on term.