Subject to membership requirements. All credit union programs, rates, terms and conditions are subject to change without notice.
* $200 Checking Bonus offer effective 4/30/2024. Limited time only and subject to termination without notice. A) Open an eligible account using or mentioning promo code Join200. B) Have Direct Deposit(s) of $500 or more directly deposited to your new checking account for a minimum of 3 consecutive months, with the first direct deposit within 60 days of opening the checking account. When all requirements are met the $200 bonus will be credited to the new checking account on or before the close of the next full statement. Bonus applies to new memberships. Limit of one new checking account bonus per membership. Eligible Accounts: Performance, Advantage, Ultimate and World checking accounts. You may receive an IRS tax form 1099-INT for the cash incentive.
1 APY = Annual Percentage Yield. Options to Reduce Monthly Account Fee:
Performance Checking: A monthly account fee of $2 will be charged each month; however, $2 will be waived if your monthly statement is delivered electronically as eStatement OR if your combined deposit, loan, and Everwise Investment Services balances exceed $2,500 OR have direct deposit, OR you perform 10 transactions in the account.
Advantage Checking: A monthly account fee of $7 will be charged each month; however, $2 will be waived if your monthly statement is delivered electronically as an eStatement.
World Checking: Account subject to monthly fee of $10; however, $2 will be waived if monthly if account is enrolled in eStatements or $10 will be waived if your combined deposit, loan, and Everwise Investment Services exceed $100,000.
Ultimate Checking: 3.00% APY on balances up to $10,000 as of the last dividend declaration. A monthly account fee of $10 will be charged. This fee is waived if during the statement cycle you are enrolled in eStatements and complete at least 15 Everwise debit card non-ATM transactions each equaling $5 or more on this account between the 21st day of the prior statement month and the 20th day of the current statement month. If the requirements to avoid the monthly account fee are not met no dividends will be paid.
2 Earn .50% cash back rebate on non-PIN purchases with your Everwise Credit Union Debit Mastercard. Rebate is redeemable once the rebate amount reaches $30 within the calendar year. The maximum rebate per calendar year is $5,000. Eligible purchases do not include ATM transactions or those made using a personal identification number (PIN).
3 Members receive free use of Alliance One and CO-OP ATMs within Indiana. A $2.50 foreign transaction fee applies to Alliance One and CO-OP outside of Indiana.
4 A $100 Mortgage origination fee discount is available, as is a 0.25% loan discount is available on direct, closed-end, consumer loans only (excludes loans signed at a dealership, real estate secured, lines of credit including credit cards, credit builder, student loan and commercial loans).
5 APY = Annual Percentage Yield. No minimum opening balance requirement. No minimum balance requirement to receive dividends. Boost Dividend Qualifications: Dividends will be paid monthly on your Boost Savings account balance if you have direct deposits totaling at least $4,000 going into a consumer checking account (excluding HSAs) under the same Everwise membership as the Boost Savings during the prior dividend period. Dividends will be paid automatically for the first two (2) dividend periods starting from the account opening date. After the first two initial dividend periods, dividends will be paid based on meeting the Boost dividend qualifications stated above. If you do not meet the dividend requirements no dividends (0.00%) will be paid.
