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Overview / Commentary
2160 Lincoln Hwy E Ste 20
Lancaster, PA 17602

Everence Federal Credit Union is headquartered in Lancaster and is the 34th largest credit union in the state of Pennsylvania. It is also the 1,114th largest credit union in the nation. It was established in 1955 and as of March of 2018, it had grown to 41 employees and 17,478 members at 10 locations. Everence Federal Credit Union's savings rates are 4X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is open to several denominations of Christian churches, including Mennonite Church USA, Mennonite Brethren Church, Fellowship of Evangelical Churches, and Fellowship of Evangelical Bible Churches.
See current membership details

Reviews (1)

Beware! Higher Interest Is A Sham And You'll Leave With A Guilt Trip!

Posted by: Anonymous | Sep 6, 2011

First off, after being a member of this credit union, it is definitely sub par in terms of services and facilities. They seemed intent on giving me a guilt trip over the remaining assets that I have with a large money manager, stating that I really should be using their "faith based" platform so that my investments would be doing so much harm. I looked at their platform, and was not impressed. High fees, and your standard bloated mutual funds.

The second point is their interest rates. Their initial interest rates might be higher, but it is only on the first $500 you deposit. Additional money above $500 gets lower and lower rates, the inverse of any other financial institution. My recommendation would be to put $500 in here, but no more - you can get much better rates elsewhere. Just my 2 cents... but unless your brother in law works here and you feel an obligation stay away!


Health Grade Components

NCUA #10223
Year Chartered1955
Primary Regulator
Profit Margin
Return on Assets - YTD0.93%
Return on Equity - YTD11.51%
Annual Interest Income$1.7MM
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$182.8MM$179.5MM
LoansQ1 2018vs Q1 2017$119.0MM$109.8MM
DepositsQ1 2018vs Q1 2017$166.4MM$165.6MM
Equity CapitalQ1 2018vs Q1 2017$14.5MM$13.1MM
Loan Loss AllowanceQ1 2018vs Q1 2017$1.4MM$1.3MM
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$1.4MM$1.4MM
Real Estate OwnedQ1 2018vs Q1 2017$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Everence Federal Credit Union Savings Account Rates

4.00%*-$1kYouth Savings
OTHER TIERS: 0.15% $1k+
2.00%*-$1kJubilee Savings
OTHER TIERS: 0.10% $1k+
0.50%*$25k*-IRA Accounts
OTHER TIERS: 0.25% Up to $3k | 0.35% $3k - $25k
0.35%*$25k*-Health Savings Account
OTHER TIERS: 0.10% Up to $3k | 0.25% $3k - $25k
0.10%*$5k*-Regular Savings
OTHER TIERS: 0.05% $50 - $5k
0.10%*$5k*-Club Account
OTHER TIERS: 0.05% $50 - $5k

Everence Federal Credit Union Money Market Rates

0.50%*$250k*-Money Market Account
OTHER TIERS: 0.10% Up to $3k | 0.15% $3k - $25k | 0.25% $25k - $100k | 0.35% $100k - $250k

Everence Federal Credit Union Checking Account Rates

0.10%*$10k*-Dividend Checking
OTHER TIERS: 0.05% Up to $10k

Everence Federal Credit Union CD Rates

3.00%$50$50060 Month Youth CD Special
2.10%*$100k*-60 Month CD
OTHER TIERS: 1.40% $500 - $3k | 1.60% $3k - $25k | 1.85% $25k - $100k
1.95%*$100k*-48 Month CD
OTHER TIERS: 1.25% $500 - $3k | 1.45% $3k - $25k | 1.70% $25k - $100k
1.80%*$100k*-36 Month CD
OTHER TIERS: 1.10% $500 - $3k | 1.30% $3k - $25k | 1.55% $25k - $100k
1.40%*$100k*-24 Month CD
OTHER TIERS: 0.70% $500 - $3k | 0.90% $3k - $25k | 1.15% $25k - $100k
1.00%*$100k*-12 Month CD
OTHER TIERS: 0.50% $500 - $3k | 0.65% $3k - $25k | 0.75% $25k - $100k
1.00%$500-25 Month CD Special
0.80%*$100k*-6 Month CD
OTHER TIERS: 0.40% $500 - $3k | 0.45% $3k - $25k | 0.55% $25k - $100k
0.75%$500-13 Month CD Special

Cities: Belleville, Dalton, Ephrata, Goshen, Harrisonburg, Lancaster, Mount Joy, Sarasota, Souderton

Belleville Branches
Branch Office4417 E Main StBelleville, PA 17004

Dalton Branches
Branch Office4136 Kidron RdDalton, OH 44618

Ephrata Branches
Branch Office1022 Sharp AveEphrata, PA 17522

Goshen Branches
Branch Office1301 College AveGoshen, IN 46526
Branch Office1110 N Main StGoshen, IN 46528-2638

Harrisonburg Branches
Branch Office841 Mount Clinton Pike STE BHarrisonburg, VA 22802

Lancaster Branches
Branch Office2160 Lincoln Hwy E Ste 15Lancaster, PA 17602

Mount Joy Branches
Branch Office962 E Main StMount Joy, PA 17552

Sarasota Branches
Branch Office3407 Bahia Vista StSarasota, FL 34239

Souderton Branches
Branch Office121 N Main St Ste 201Souderton, PA 18964

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