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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!
See our limited-time certificate special offer below2!
Grow your savings with our limited-time certificate offer!
Make the most of summer with a limited-time certificate special2!
Whether you’re saving for a specific 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 *New deposits only
$500
3.90%
Traditional terms
Traditional certificate terms
Term length
Minimum opening deposit
APY (%)1
6 month
$500
3.15%
6 month
$100,000
3.20%
12 month
$500
3.20%
12 month
$100,000
3.25%
18 month
$500
3.25%
18 month
$100,000
3.30%
24 month
$500
3.30%
24 month
$100,000
3.35%
30 month
$500
3.35%
30 month
$100,000
3.40%
36 month
$500
3.40%
36 month
$100,000
3.45%
48 month
$500
3.45%
48 month
$100,000
3.50%
60 month
$500
3.50%
60 month
$100,000
3.55%
Early withdrawal penalties (special offerings may vary): $25, plus 1/2 of total dividends equal to original term of certificate, whether earned or not.
Effective date: Certificate dividend rates and APYs, effective as of the date stated below, are subject to change without notice.
Compounding: Certificate rates are compounded quarterly. To receive the stated rate and APY, funds must remain on deposit for the life of the certificate.
Rate guarantee: Rates and APYs are guaranteed for term of certificate but not for renewal. Offer may be withdrawn at any time.
Renewal: Certificates will auto-renewal at maturity, unless otherwise stated at opening or on certificate, for the same term and at the then-current rate and APY. You will have a grace period of 10 calendar days after the maturity date to make changes or withdraw your funds without being charged an early withdrawal penalty.
benefits
Why choose an Everence certificate
Small minimum balance
Open a certificate with a $500 minimum balance.
Do all your banking through Everence
See your money steadily grow through online banking or the mobile app.
Fixed dividend rates
Your savings is locked into a fixed APY rate for the duration of the certificate.
Steady growth and guaranteed returns
Your initial deposit and the money you earn is not affected by market changes.
Insured by the NCUA
Your money is insured up to the maximum amount allowed by law.
Let Everence help you with your savings goals
Open a certificate today (see steps above).
Everence Federal Credit Union
2160 Lincoln Highway E., Suite 20
Lancaster, PA 17602
Log in to online banking. Go to the tab ‘New Accounts’ and then click ‘Open a Certificate.’ Choose which type of certificate you want to open and click on it. (Please note that you will need to have money already in your Everence account to do this.)
1Annual Percentage Yield (APY) current as of September 1, 2026 and subject to change. APY applies throughout maturity. The 7-month certificate promo auto-renews at the current rate and term for a 6-month certificate. Minimum deposit of $500 required, maximum deposit per certificate of $250,000. 7-month special certificate must be funded with new money that is not currently on deposit with Everence as of 6/1/2026. 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.
2The 7-month certificate promo auto-renews at the current rate and term for a 6-month certificate. Minimum deposit of $500 required, maximum deposit per certificate of $250,000. A maximum of one (1) certificate may be opened per Tax ID. 7-month special certificate must be funded with new money that is not currently on deposit with Everence as of 6/1/2026. 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.
