Certificates
Open a share certificate through Everence to save for the long term. Lock in a rate with a fixed term and make your savings work for you!

Take advantage of these three limited-time certificate specials to help you grow your money faster. The 7 month and 11 month certificate specials are available for new deposits only and cannot be transferred from an existing Everence account.
Whether you’re saving for a goal or simply want your money to work harder, now’s the perfect time to start.
Term length | Minimum opening deposit | APY (%)1 |
7 months | $500 | 4.25% |
7 months | $100,000 | 4.25% |
11 months | $500 | 4.15% |
11 months | $100,000 | 4.15% |
15 months | $500 | 4.00% |
15 months | $100,000 | 4.00% |
Term length | Minimum opening deposit | APY (%)1 |
6 month | $500 | 3.75% |
6 month | $100,000 | 3.80% |
12 month | $500 | 3.70% |
12 month | $100,000 | 3.75% |
18 month | $500 | 3.65% |
18 month | $100,000 | 3.70% |
24 month | $500 | 3.50% |
24 month | $100,000 | 3.55% |
30 month | $500 | 3.40% |
30 month | $100,000 | 3.45% |
36 month | $500 | 3.35% |
36 month | $100,000 | 3.40% |
48 month | $500 | 3.30% |
48 month | $100,000 | 3.35% |
60 month | $500 | 3.25% |
60 month | $100,000 | 3.30% |
Why choose an Everence certificate
Open a certificate today (see steps above).
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.
Rates current as of July 1, 2025.
1Annual Percentage Yield (APY) current as of 7/1/2025 and subject to change. APY applies throughout maturity. A 7-month certificate promo auto-renews at the current rate and term for a 6-month certificate. The 11 month and 15 month certificate promos auto-renew at the current rate and term for a 12-month certificate. Minimum deposit of $500 required, maximum deposit per certificate of $250,000. A maximum of three (3) special certificates (any term) may be opened per Tax ID. 7-month and 11-month special certificates must be funded with new money that is not currently on deposit with Everence as of 7/1/2025. 15-month special has no new money requirement. Penalty for early withdrawal. Fees may reduce earnings. Compounding quarterly. Funds must remain on deposit for life of the certificate to receive stated APY. Offer is subject to change without notice.
Everence Federal Credit Union is federally insured by NCUA.