Savings that do the heavy lifting for you!
You work hard and your money should too. That's why we've put together high-yield account options to help grow your savings faster, keep your funds flexible, and reward you.
Pick the high-yield account that best matches your needs.
Boost High-Yield Savings: 3.00% APY*
If you're looking for a higher rate and want to keep your money fully accessible, Boost may be your best bet. Earn 3.00% on your entire savings balance when you make deposits of $4,000 or more in your Everwise checking account each month.¹ That's 15 times more than the national average rate.² No monthly fees or balance requirements.
Best for: Maximizing savings while keeping full access to your money
High-Yield Ultimate Checking: 3.00% APY*
If you're a super-shopper who wants to earn a higher rate and still enjoy ultimate flexibility…this one's for you! Sign up for eStatements and make at least 15 monthly debit card transactions to earn 3.00% on your checking account balance of up to $10,000.³
Best for: Earning more dividends each month on your checking
Ultra Money Market: 3.64% APY*
If you're able to keep a higher balance in a money market account, Ultra was made for you. Earn an ultra-competitive rate when you have a relationship of $100,000 in loans or deposits with Everwise, and at least $50,000 in an Ultra account.4 Plus, access your money anytime without penalties or withdrawal limits, and there's zero monthly fees. Stop into a branch to open your Ultra account and take your savings to the next level.
Best for: Earning a top-tier rate while maintaining liquidity
Certificates: up to 4.75% APY* for 20-months
Lock in our highest rate in exchange for locking in your funds for a set term. Certificates are a safe and guaranteed way to earn more on your hard-earned savings. And, you can invest in one with as little as $500.5
Best for: Locking in the highest rate with a guaranteed return
Select your high-yield product today and start growing your money faster.
We want to answer your questions.
FAQs
* APY = Annual Percentage Yield. Subject to membership requirements. All credit union programs, rates, terms and conditions are subject to change without notice.
¹ APY accurate as of the last dividend declaration date. 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 upon meeting the Boost Dividend Qualifications. If you do not meet the Boost Dividend Qualifications no dividends (0.00%) will be paid.
² Based on comparison to national credit union average rates published on 12/27/2024 by the National Credit Union Administration.
³ 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 meet the following requirements: you are enrolled in eStatements and you 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.
4 APY accurate as of the last dividend declaration date. Dividend qualifications: You must have at least $100,000 in combined funds (shares, loans, investments) on the last day of the prior dividend period to be eligible for the current dividend period. If the balance in the Ultra Money Market falls below $50,000, no dividends will be paid. Ultra Money Market rate is calculated by using the Federal Reserve Bank’s Federal Funds Rate posted on the last business day of the prior dividend period, less 75 basis points. The minimum APY is 0.00%, and the maximum APY is 7.23%. Account must be opened in-person at an Everwise branch location.
5 APY accurate as of 1/3/25. 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.