Everwise Credit Union

Headquarters

110 S Main St
South Bend, IN 46601
See all branch locations →

Phone 1-574-232-8012

Notable Rates APY Vs.Others
Savings 0.10% 5.50% →
1-Year CD 1.36% 4.80% →
2-Year CD 2.22% 4.25% →
5-Year CD 2.84% 4.00% →
30-Year Mortgage 7.53% 4.91% →
15-Year Mortgage 7.12% 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Credit Union Information

Everwise is an NCUA insured institution located in South Bend, IN. It was founded in 1931 and has approximately $5172.9 millions in assets.

Who can join?

There are four basic ways to become eligible for TCU membership.

Live or work in one of the Counties served
Are a relative of a TCU member
Are an employee of a TCU Member Company
Are affiliated with a Partnering School District in TCU's membership

If you live or work in Adams County, Allen County, Bartholomew County, Blackford County, Boone County, Brown County, Center Township - Marion County, Clay County, Clinton County, Decatur County, Dekalb County, Delaware County, Elkhart County, Fountain County, Franklin Township - Marion County, Fulton County, Grant County, Hamilton County, Hancock County, Hendricks County, Henry County, Howard County, Huntington County, Jackson County, Jennings County, Johnson County, Kosciusko County, LaPorte County, Lawrence County, Lawrence Township - Marion County, Madison County, Marshall County - Indiana, Monroe County, Montgomery County, Morgan County, Noble County, Owen County, Perry Township - Marion County, Pike Township - Marion County, Porter County, Putnam County, Rush County, Shelby County, St. Joseph County, Starke County, Tippecanoe County, Tipton County, Vigo County, Wabash County, Warren Township - Marion County, Washington Township - Marion County, Wayne Township - Marion County, Wells County, White County, Whitley County, you are eligible to join.

NCUA Insured Yes / State-Chartered
Charter Number # # 60060
Date Established 1931
Assets $5,172.90 million
Loans $4,131.48 million
Deposits $4,426.82 million
Capital $469.80 million
 

Field of Membership Restrictions

Membership in Teachers Credit Union is open to anyone who lives or works in Indiana or in Berrian or Cass counties in Michigan. (Membership requirements are listed in the online application).

Deposit Rates - November 7, 2024

Your Current Location: Ohio, OH 43085

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
SAV
0.05% $2,500 $9,999 Learn More
SAV
0.10% $10,000 $99,999 Learn More
Primary Share
0.10% $100,000 - Learn More
Money Market
0.75% $0 $100,000 Learn More
Money Market
1.26% $100,000 - Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
1.19% $500 - Learn More
10 Mo CD
5.12% $500 - Learn More
12 Mo CD
1.36% $500 - Learn More
13 Mo CD
5.17% $500 - Learn More
18 Mo CD
1.62% $500 - Learn More
24 Mo CD
2.22% $500 - Learn More
36 Mo CD
2.65% $500 - Learn More
60 Mo CD
2.84% $500 - Learn More
72 Mo CD
3.04% $500 - Learn More
Int Checking Rates APY MIN MAX
INTCK
0.05% $0 $50,000 Learn MoreShow Less
INTCK
0.15% $50,000 - Learn MoreShow Less

Loan Rates - November 7, 2024

Your Current Location: Ohio, OH 43085

Home Equity Rates APR Rate Monthly Payment
Auto Loan Rates APR Rate Monthly Payment
3 Year 5.25% 5.25% $752.08
4 Year 5.25% 5.25% $578.57
5 Year 5.25% 5.25% $474.65
Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.

Branches

Below are Everwise branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Columbus,Ohio



Climate Policy and Initiatives

EVERWISE is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.


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Financial Details

Everwise Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Everwise. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Everwise U.S. Average
7.91% 5.83

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2024, Everwise had $35,492,400 in non-current loans and $4,171,177 in owned assets. To cover these potential losses it had $469,799,610 in net worth and $31,656,201 in loans loss reserves. That gives it a Texas Ratio of 7.91%.

Net Worth
Everwise U.S. Average
9.05% 13.93%

Everwise FCU has a net worth of 9.05% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.



Customer Reviews for Everwise

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