Certificates
Insured up to $250,000 by the National Credit Union Administration (NCUA).
A guaranteed rate means savings growth you can count on. No need to worry about market volatility.
Everyone should have a chance to build their savings. At Everwise you only need $500 to open a certificate.
Share Certificate Specials: Rates up to 4.96 APY*
| Term | APY* | Rate | Effective Date |
|---|---|---|---|
| 10-Month | 4.85% | 4.75% | 11/18/24 |
| 10-Month IRA | 4.86% | 4.77% | 11/18/24 |
| 15-Month | 4.91% | 4.80% | 11/18/24 |
| 15-Month IRA | 4.92% | 4.83% | 11/18/24 |
| 20-Month | 4.96% | 4.85% | 11/18/24 |
| 20-Month IRA | 4.97% | 4.88% | 11/18/24 |
| 37-Month | 4.45% | 4.36% | 11/18/24 |
| 37-Month IRA | 4.45% | 4.38% | 11/18/24 |
You've heard the expression, "Good things come to those who wait." That describes our certificates. Short- or long-term, every one of our certificates out-earns a typical savings account. Plus, with so many options, you can easily put your savings on a schedule that fits perfectly with your future plans.
- Term options from 6 to 72 months
- In general, longer-term certificates pay higher rates
- Available as Individual Retirement Accounts (IRAs)
- Earned dividends can be added to your certificates or transferred to another Everwise account
- Insured up to $250,000 by the National Credit Union Administration
Calculate how much you can earn
See how much in dividends you can earn. Simply put your deposit amount and months in the calculator below.
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