Encompass Credit Union

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.encompasscu.org

800-675-8852

221 N Main St
Tipton, IN 46072

Encompass Credit Union is headquartered in Tipton and is the 27^th largest credit union in the state of Indiana. It is also the 1,088^th largest credit union in the nation. It was established in 1953 and as of March of 2025, it had grown to 57 employees and 17,314 members at 4 locations. Encompass Credit Union's CD rates are 3X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Encompass Credit Union is open to those who live, work, worship, or attend school in Clinton, Howard, or Tipton County, Indiana. Membership is also open to immediate family of current Encompass Credit Union members, as well as immediate family of those who are membership-eligible.
See current membership details

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Health

B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	8548
Year Chartered	1953
Employees	57
Primary Regulator

Profit Margin
Return on Assets - YTD	-0.33%
Return on Equity - YTD	-4.45%
Annual Interest Income	$4MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$270.5MM$273MM
Loans	Q1 2025vs Q1 2024	$219.1MM$221.2MM
Deposits	Q1 2025vs Q1 2024	$235.7MM$236.1MM
Equity Capital	Q1 2025vs Q1 2024	$19.6MM$20.1MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$5.6MM$5.6MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$2.9MM$2.1MM
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Encompass Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.15%	$5	-	Regular Savings
0.15%	$0	-	Christmas Club
0.15%	$0	-	Vacation Club

Encompass Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%^*	$0	$50k	Ultimate Checking
OTHER TIERS: 0.25% → $50k+
0.10%	$25	-	Draft Checking

Encompass Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.07%	$500	-	6 Month CD
3.04%	$500	-	12 Month CD
3.04%	$500	-	18 Month CD
2.79%	$500	-	24 Month CD
2.02%	$500	-	36 Month CD
0.75%	$500	-	48 Month CD
0.75%	$500	-	60 Month CD

Encompass Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.51%	$0	-	IRA Savings

Locations

Encompass Credit Union Locations
Steel Parts Branch	201 N Main St	Tipton, IN 46072
Nickel Plate Branch	2115 W Holiday Rd	Frankfort, IN 46041-9100
Maish Road Branch	1035 N Maish Rd	Frankfort, IN 46041-2989
Branch Office	4020 South Reed Road	Kokomo, IN 46901

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