FDIC Insured·Member FDIC·Equal Housing Lender
E

EVERTRUST

Federal Bank

CHECKING & SAVINGS

Premier Checking

No fees · Unlimited txns · Zelle

High-Yield Savings

5.05% APY · No minimum · FDIC insured

Money Market Account

4.75% APY · Check writing · FDIC

CDs — Up to 5.30%

3 mo–5 yr · Guaranteed rate · $1K min

LOANS & CREDIT

Platinum Rewards Card

3% cash back · No annual fee

Home Equity / HELOC

From 6.49% APR · Up to $500K

Auto Loans

5.99% APR · New & used · 84-mo

Personal Loans

$1K–$50K · 7.99% APR · Same-day decision

EDUCATION

Student Loans

4.99% APR · Undergrad & grad

See All Personal Products →

5.05%

High-Yield Savings APY

Get Started Free

ACCOUNTS & TOOLS

Business Checking

No monthly fees · Unlimited ACH

Business Savings

4.85% APY · FDIC · No minimum

Merchant Services

Next-day deposits · 2.6%+10¢

Treasury Management

Sweep, lockbox, ACH origination

FINANCING

Business Loans

$25K–$5M · 48-hr decision

SBA 7(a) & 504

Gov-backed · long terms · low rates

Equipment Financing

Up to $2M · Same-day approval

Payroll Services

Auto payroll · tax filing · W-2s

GET STARTED

Open in 10 Minutes

100% online — no branch visit needed

Talk to a Business Banker →

48hr

Business Loan Decision

Get Started Free

HOME LOANS

30-Year Fixed

6.87% — Most popular · 90-day rate lock

15-Year Fixed

6.24% — Pay off faster, save interest

Adjustable Rate (ARM)

5/1 ARM from 5.99% — lower start rate

Refinance

Lower your rate or access equity

HOME EQUITY

Home Equity Loan

Fixed rate · Lump sum · Up to $500K

HELOC

Variable rate · Draw as needed

Mortgage Calculator

Estimate your monthly payment instantly

Get Pre-Approved in 3 Minutes →

TODAY

Calculator →

6.87%

30-Year Fixed APR

Get Started Free

INVESTMENTS

Stocks & ETFs

$0 commissions · Real-time quotes

Managed Portfolios

From $100 · 0.25% fee · Auto-rebalanced

Cryptocurrency

50+ coins · Insured custody · No spreads

Bonds & Fixed Income

Treasuries · Munis · Corporates

RETIREMENT

Traditional IRA

Tax-deductible · $7,000/yr limit

Roth IRA

Tax-free growth · No required distributions

401(k) Rollover

Move old 401k with zero tax impact

529 College Savings

Tax-advantaged education funding

TOOLS

Financial Advisor

Free first session · CFP-certified planners

Start Investing with $1 Today →

$0

Commission-Free Trades

Get Started Free
Live Rates
30-Yr Mortgage6.87%|15-Yr Mortgage6.24%|Auto Loan6.49%|1-Yr CD5.25% APY|Personal Loan7.99%|High-Yield Savings5.05% APY|HELOC7.49%|30-Yr Mortgage6.87%|15-Yr Mortgage6.24%|Auto Loan6.49%|1-Yr CD5.25% APY|Personal Loan7.99%|High-Yield Savings5.05% APY|HELOC7.49%|30-Yr Mortgage6.87%|15-Yr Mortgage6.24%|Auto Loan6.49%|1-Yr CD5.25% APY|Personal Loan7.99%|High-Yield Savings5.05% APY|HELOC7.49%|30-Yr Mortgage6.87%|15-Yr Mortgage6.24%|Auto Loan6.49%|1-Yr CD5.25% APY|Personal Loan7.99%|High-Yield Savings5.05% APY|HELOC7.49%|
FDIC Insured · Est. 1982 · Federally Chartered

Your Financial Future
Starts Here.

Join over 2 million families who trust Evertrust for checking, savings, mortgages, and investing — all in one secure account.

Open Account Free Explore Our Products →

5.05%

Savings APY

$0

Monthly Fees

2M+

Customers

Products

Every Account You Need to Bank Smarter

Open in minutes · No branch visit · 100% online

Most Popular

Premier Checking

No Monthly Fees

Unlimited transactions · Zelle · FedNow · Real-time alerts · Overdraft protection

Learn more
Best Rate

High-Yield Savings

5.05% APY

FDIC insured · No minimum balance · Daily compound interest · Easy transfers

Learn more
Flexible

Money Market

4.75% APY

Check writing included · High yield · Unlimited withdrawals · FDIC insured

Learn more
Guaranteed

CDs — Up to 5.30%

5.30% APY

Lock your rate 3 months to 5 years · $1,000 minimum · FDIC insured

Learn more
Premium

Platinum Rewards

3% Cash Back

Every purchase · No annual fee · Zero-liability fraud protection · Travel perks

Learn more
Wealth

Investments & IRA

$0 Commissions

Stocks · ETFs · Roth/Traditional IRA · Managed portfolios · Crypto

Learn more
Fast Funding

Personal Loans

From 7.99% APR

$1K–$50K · Same-day decision · Next-business-day funding · No prepay fee

Learn more
Home

Mortgages

From 6.87%

30-yr · 15-yr · ARMs · Refinance · Cash-out · Pre-approval in 3 minutes

Learn more
Auto

Auto Loans

From 5.99% APR

New & used vehicles · 84-month max term · No prepayment penalty · Refinance

Learn more
Digital Capabilities
All Features

Full Banking Infrastructure,
Built Into Your Account

Every tool you need — already included, no upgrades required. Mobile, secure, and available 24/7.

Open Free Account

55K+

Free ATMs

24/7

Live Support

4.9★

App Store Rating

Mobile Check Deposit

Funds in minutes

ACH Transfers

Free · Same or next-day

Zelle® & FedNow®

Instant · 24/7 · No fees

International Wire

140+ countries · Live FX

Online Bill Pay

Any US biller · Recurring

Early Direct Deposit

Up to 2 days early

Virtual Card Numbers

Protect your real card

Card Lock & Controls

Freeze or block instantly

Real-Time Alerts

Every txn · Every device

QR Code Payments

Contactless & secure

Savings Goals

Round-up & auto-save

Biometric Login

Face ID · No passwords

Lending Center

Today's Best Rates for Every Need

Competitive rates · Fast decisions · No hidden fees

6.87%

APR

30-Yr Fixed Mortgage

Most popular · Rate lock 90 days

6.24%

APR

15-Yr Fixed Mortgage

Faster payoff · Lower total interest

5.99%

APR

5/1 ARM

Lower initial · Great for short-term

7.12%

APR

Cash-Out Refinance

Access equity · Pay down high-rate debt

7.49%

APR

HELOC

Variable rate · Draw up to $500K

5.99%

APR

Auto Loan

New & used · 84-mo · No prepay penalty

4.99%

APR

Student Loan

Undergrad & grad · Grace period

7.99%

APR

Personal Loan

$1K–$50K · Same-day · Next-day funds

Estimate Your Monthly Mortgage Payment

Compare 30-yr, 15-yr, and ARM options side-by-side with our free calculator.

Mortgage Calculator
Wealth & Investing

Invest, Save for Retirement,
and Build Wealth — All in One App

Commission-free trades. IRAs. Managed portfolios. Crypto. Starting from $1.

Total Portfolio Value

$124,837.50

Today's Return

+$2,341.18 (+1.91%)

JanMarMayJulSepNov
VO

VOO

Vanguard S&P 500

$489.23

+2.1%

AA

AAPL

Apple Inc.

$213.07

+1.4%

BT

BTC

Bitcoin

$67,412

-0.8%

BN

BND

Total Bond Market

$73.81

+0.3%

Start Investing Free* Illustrative data only

Self-Directed Brokerage

Stocks · ETFs · Options

$0 Commissions

Managed Portfolios

Auto-rebalanced · From $100

0.25% Annual Fee

IRA & Roth IRA

Up to $7,000/yr contribution

Tax-Free Growth

Cryptocurrency

50+ coins · Insured custody

24/7 Trading

529 College Savings

Tax-advantaged education

30+ States

Bonds & Fixed Income

Treasuries · Munis · Corp

Steady Income

Ready to Invest?

Open a brokerage or IRA account in under 5 minutes. Zero minimums.

Open Investing Account
E

EVERTRUST

Federal Bank

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© 2026 Evertrust Federal Bank. FDIC Insured. All rights reserved.

Evertrust Federal Bank is a federally chartered institution. Member FDIC. Deposits insured to $250,000 per depositor per account category. Investment and insurance products are NOT FDIC insured, NOT bank guaranteed, and MAY LOSE VALUE. APY rates subject to change without notice. Loan approval subject to credit review. Equal Housing Lender. All rates shown are for illustrative purposes for qualified applicants. Terms apply.