Relationship Account Bundle

Our Relationship Account Bundle rewards you for bringing more of your everyday banking together. The more connected your Everence® Federal Credit Union (EFCU) accounts are, the more value you receive.
A person working on a laptop also puts a coin into their piggy bank.

Earn more. Spend smarter. Build a stronger financial relationship.

With our relationship checking and relationship savings accounts, you can get the most out of your membership with Everence Federal Credit Union.

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Relationship Checking1

Open with just $25 and maintain $1,000 to earn the basic dividend rate of 0.15% APY. Unlock a premium 2.00% APY1 by completing three activities:

  1. DIGITAL BANKING
    Enroll in online banking and eStatements. Log in at least once per month.
  2. USE YOUR CARD
    Post a minimum of ten monthly credit and/or debit card transactions (excluding ATM transactions). Our cards have no annual fee and are chip enabled, with tap to pay and mobile wallet capabilities. All include 24/7 card support and the ability to lock and unlock in the mobile app. In addition:
    • Debit Card: Set up debit card round-up to automatically grow your savings.
    • MyNeighbor Credit Card: Every time you use your MyNeighbor card, Everence donates 1.50% of the transaction total to your selected Neighbor, while you benefit from an APR as low as 8.90%.
  3. DIRECT DEPOSIT
    Set up monthly direct deposits totaling $1,000 or more (or ACH credits totaling $1,000 or more).
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Relationship Savings2

Build on your banking relationship with Relationship Savings. When you pair your checking account and debit card with the following requirements, you can earn the full Relationship Savings rate of 2.80% APY2:

  1. Open with $5,000
  2. Maintain a $5,000 minimum balance
  3. Maintain $10,000 total across all EFCU deposit accounts

Disclosure

APY = Annual Percentage Yield. Rate effective as of February 1, 2026, and subject to change without notice. Contact us for current rates. Minimum balance fees not applicable to Relationship Checking or Relationship Savings accounts. Other fees may apply and may reduce earnings. Offers limited to one account per personal tax ID. Must qualify for membership and checking account and debit card. Minors are not eligible for a credit card and must have a parent/guardian joint owner for checking and debit card. Everence Federal Credit Union is federally insured by NCUA.

1Relationship Checking: $25.00 minimum to open; $1,000 minimum average daily balance each month to earn 0.15% APY. Fees may reduce earnings on the account. To qualify for the additional Relationship Checking account 2.00% APY, you must activate and maintain online banking and eStatements with at least one online banking log in per month, make at least ten monthly credit and/or debit card transactions (excluding ATM transactions), and have a monthly minimum of one direct deposit or one ACH credit. Direct deposits and ACH credits must be a total of $1,000 or more within each month.

2Relationship Savings: 0.15% APY base rate, paid monthly, requires minimum average daily balance of $5,000 in the Relationship Savings account and additional relationship rate, paid monthly, applies if all additional requirements are met the previous month. APYs are calculated solely on the Relationship Savings account balance. To qualify for the full 2.80% APY Relationship Savings account rate each month, you must have a personal checking account, debit card, and a minimum of $10,000—with a minimum of $5,000 in the Relationship Savings account—between all deposit accounts as of 12 a.m. on the first of that month.

Everence Federal Credit Union is federally insured by NCUA.