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Loan and deposit rates

Everence Federal Credit Union offers a competitive selection of deposit and loan rates. View our business and personal account interest rates below.

The following loan product and rate information is current as of the effective date shown below. EFCU may offer other rates and terms or amend such rates and terms from time to time. Rates are subject to change without notice and established each quarter by the Board of Directors. Your rate may vary based on factors such as your credit history and payment method.




Savings 0.07%
HSAs 0.10%
IRAs 0.25%
CDs 1.00%
 †Highest current ratesView deposit rate details  



APR as low as

Vehicle (2015-2017 models) 1.99%
Vehicle (2012-2014 models) 2.49%
Personal 7.99%
Mortgage View mortgage rates
HE term 3.74%
View loan rate details  

Schedule of fee services

While almost all our products and services are free to our members, there are fees for specialized services and for those times when accounts operate outside of established guidelines such as overdrafts, stop payments and excessive transfer activity.

Effective Date: Jan. 1, 2015