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Your money with impact - at Everence Federal Credit Union
Everence Federal Credit Union offers accounts and loans that help your money create a positive, lasting impact for you and your community.
Credit union difference
Why bank with Everence Federal Credit Union?
Everence Federal Credit Union is part of Everence, a broader financial services organization dedicated to helping members live out their values through mutual aid, community support, and a people-helping-people approach. As a nonprofit, Everence integrates faith-based values with financial practices, offering products and services designed with these principles in mind. When you join, you become more than just a customer. You are a member owning a share in the credit union and playing a role in this values-driven community.
Financially stable and NCUA insured
Just as bank deposits are insured by the FDIC, our deposits are federally insured by the National Credit Union Administration (NCUA), up to at least $250,000 per individual depositor.
Competitive rates and low fees
Credit union profits come back to members, often through lower fees and more competitive rates, with discounts on green loans.
ATMs and shared branching
As a member, you have access to our physical branches as well as a network of shared branches and fee-free ATMs across the country to provide easier access to your money.
Personal and community benefits
Through joining Everence Association, members can take advantage of extra perks including college scholarships and partial reimbursement for will preparation. Beyond banking services, Everence can help you on your financial journey – from financial planning and socially responsible investing to charitable giving.
Values rooted in faith
As a faith-based organization, Everence is dedicated to helping you live your values through your financial decisions.
Decades of experience
While the credit union was founded in 1955, Everence traces its roots to 1945. We've grown out of a long tradition of church communities putting faith into action by sharing resources with each other.
Current promotions & News
What's new at Everence Federal Credit Union?
Youth Savings Celebration
Join us for this year’s annual Youth Savings Celebration between August 3 to 5, 2026 and enjoy a fun, family-focused experience where children and teens can learn how to save for the future, share with others, and spend responsibly!
Financial checkups
Gain clarity, build confidence and take control of your financial future. Work one on one with a Certified Credit Union Financial Counselor (CCUFC) in up to three meetings to create practical next steps that align with your goals and values.
Auto Loans
Finance your next car or motorcycle with Everence Federal Credit Union. We care about how we impact the environment, so we have a unique incentive for people buying "green" vehicles.
Banking with impact
Who says you can't get more, and give back?
Get more
Products and services.
Products and services for individuals, businesses, churches, and nonprofits.
Fee-free ATMs and shared branching across the U.S.
Account flexibility.
Digital banking services to easily access your accounts from anywhere.
MyNeighbor credit card
Get more with no annual fees, low interest rates, convenient account accessibility and card controls with our MyNeighbor credit card. Give back to charity as Everence donates 1.50% of your transaction total to your selected Neighbor.
Hear Yazmin and Christian's story about how Everence Federal Credit Union helped them fulfill their dream of owning a store in Harrisonburg, Virginia.
No matter where you are in your financial journey, Everence Federal Credit Union has a product for you. Explore our products and services for individuals, organizations, and businesses.
Personal checking and savings
Whether you need an account to save for the future or you're looking for a checking account, we have an option to fit your needs.
Consumer loans
We offer specific loans for vehicles, education and more, plus personal loans for needs that don't necessarily fit a category.
Mortgages and home equity loans
We offer multiple adjustable- and fixed-rate options, or you can put the equity in your home to work for you.
Health savings accounts (HSA)
With an HSA, it's possible to set aside tax-free money for qualified health expenses.
Credit and debit cards
Our credit and debit cards are ready to work for you. With the added MyNeighbor benefit to credit cards, you can generate reward dollars for your favorite charitable organization.
Digital banking
With digital banking, you can manage your accounts nearly anywhere and anytime through online banking, the mobile app, video banking and more.
Business banking and loans
With several choices of savings and checking accounts, we can help you find the accounts that best fit your business needs.
Church banking and loans
Our products and services are designed to meet the financial needs of congregations. This includes the church itself and the church’s employees.
What are your rates?
Everence Federal Credit Union offers a wide selection of savings and loan rates. Our competitive rates and limited fees help you reach your goals.
4.74% APR2
Auto and motorcycle loans
Plus, get a 0.50% interest rate discount for purchasing an electric or hybrid vehicle.
3.99% APR3
for 6 months;
6.49% - 15.50% APR
thereafter
Home equity line of credit
Borrow up to 90% of the value of your property with minimal closing costs.
Rate details
Loan and savings rates
We offer a competitive selection of loan and savings rates, with only a few instances incurring minimal fees.
Where can I bank?
For those who prefer to visit a physical location, Everence Federal Credit Union offers nine convenient locations. As part of the Co-op Network, Everence members also have access to fee-free ATMs and shared branches across the country. We also offer a full digital banking suite.
National branch: Serves credit union members who don’t live close to a physical branch by phone, mail, email, and video banking.
Network of fee-free ATMs and shared branching
We are part of the Co-op Network, which provides you with even more access to your credit union accounts nationwide.
ATM network
With nearly 30,000 ATMs across the country, you have access to surcharge-free ATMs and ATMs where you can also make deposits.
Shared branching
With shared branching, you can visit over 5,000 credit union locations nationwide displaying the Co-op Shared Branch network logo. You can make deposits, withdrawals, transfers or loan payments to your Everence Federal Credit Union account.
A shared branch is not an ATM, but a fully staffed office where you can conduct business with real people.
Do I qualify for membership?
Experience the difference of banking with Everence Federal Credit Union, where you’re not just a number, but a valued member.
Interested in becoming a member?
To be eligible for membership with Everence Federal Credit Union, one of the following must apply.
I (or an immediate family member) am an existing Everence member and/or product owner.
I am a member or attender of a Mennonite or Anabaptist church.
I work for an employer, volunteer in missions or service, reside in a retirement community, or study at an institution that is Mennonite or Anabaptist affiliated.
I share values consistent with the Anabaptist understanding of Christian stewardship (Psalm 24 – all I am and all I have are from God) and, in response to God’s generosity, practice stewardship of all my resources.
Who says you can't get more, and give back?
Let Everence Federal Credit Union help you reach your financial goals. Apply to become a member or contact your local branch or the national branch to get started today.
Everence Federal Credit Union
2160 Lincoln Highway E., Suite 20
Lancaster, PA 17602
“Nearly 70 years later, she is still a member of our credit union.” Kristen Heisey, President and CEO of EFCU said. “Our credit union has changed a lot… And Arlene has been with us every step of the way.”
Arlene Miller is the first recorded member of Everence Federal Credit Union. Read how she became the first member and how she stayed connected with EFCU through time and regardless of distance.
1Everence Federal Credit Union members are eligible for the Greenlight SELECT plan at no cost when they connect their Everence Federal Credit Union personal checking account as the Greenlight funding source for the entirety of the promotion. Subject to minimum balance requirements and identity verification. Upgrades will result in additional fees. Upon termination of promotion, members will be responsible for associated monthly fees. See terms for details. Offer ends 10/23/2026. Offer subject to change and partner participation. Card images shown are illustrative and may vary from the card you receive.
The Greenlight prepaid card is issued by Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International. Participation in this program is through Greenlight and at member’s discretion.
2Annual Percentage Rates (APR) based on your credit, collateral and loan term. Must meet credit and collateral criteria to qualify.
3The introductory and sample variable APR are based on new financing with an amount of $25,000. Applications are subject to approval. The variable rate APR adjusts monthly based on the prime rate published in the Wall Street Journal on the last business day of the month, plus a margin based on loan-to-value and creditworthiness. Your APR will depend on credit and loan terms. Offer limited to first and second mortgage liens on a one to four family residential property. Property insurance and/or flood insurance may be required.
Everence Federal Credit Union is federally insured by NCUA.
