When time spent means money earned.

Rates up to

4.60%APY*

Share certificates offer a low-risk investment with a high rate of return. Increase your long-term savings with certainty and peace of mind.

Open An Account    Make An Appointment

Share Certificate Specials

Term APY* Rate Effective Date
11-Month4.50%4.41%3/31/25
11-Month IRA4.51%4.44%3/31/25
15-Month4.55%4.46%3/31/25
15-Month IRA4.57%4.49%3/31/25
20-Month4.60%4.51%3/31/25
20-Month IRA4.62%4.54%3/31/25
37-Month4.30%4.22%3/31/25
37-Month IRA4.31%4.24%3/31/25
*APY = Annual Percentage Yield. Limited time only and subject to termination without notice. Minimum balance required to earn APY is $500. Dividends for standard Share Certificates are compounded monthly and dividends for IRA Share Certificates are compounded quarterly. Dividends must remain in account for the entire term to earn APY. Certificates are subject to early withdrawal penalty, which may reduce earnings. Not available on HSA certificates. All credit union programs, rates, terms and conditions are subject to membership eligibility and may change without notice. All Certificates funded via Electronic Transfer (ACH), or with a Debit or Credit Card, will have a 5 (five) business day hold.

 

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.

Your money is safe

Insured up to $250,000 by the National Credit Union Administration (NCUA).

No risky unknowns

A guaranteed rate means savings growth you can count on. No need to worry about market volatility.

Low opening deposit

Everyone should have a chance to build their savings. At Everwise you only need $500 to open a certificate. 

Two options to open your share certificate:

Easily open online

Quickly open a certificate online. Make sure to have your social security number and ID ready. 

Visit your local Everwise branch

If you plan on opening a share certificate IRA, find your closest branch and make an appointment today. 

Savings resources

Free! Learn about certificates online

This quick interactive module helps you learn about the benefits, potential risks, and the decision-making process for opening a certificate. 
Let's save smart!

Get your savings plan rolling with these tips and services. 
Guide to savings

Check out our resource page for tips and tricks on building your savings.
Routing Number | 271291826