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Everyday Banking

Checking Accounts

Four accounts for every stage of life — all include a free Visa debit card and 55,000+ fee-free ATMs.

Premier Checking$0/mo

Details

Fee: $0/mo

Minimum: $0 to open

ATMs: 55,000+ fee-free

Features

  • No minimum balance requirement
  • Unlimited transactions & debit card purchases
  • Free Zelle transfers, bill pay, mobile check deposit
  • Overdraft protection linkable to savings
  • Free Visa debit card with contactless pay
Interest Checking$8/mo (waived w/ $1,500 avg. balance)

Details

Fee: $8/mo (waived w/ $1,500 avg. balance)

Minimum: $100 to open

ATMs: 55,000+ fee-free

Features

  • Earns 0.10% APY on all balances
  • Free Zelle, bill pay, and mobile deposit
  • Free paper statements
  • Non-network ATM fee reimbursement up to $10/mo
  • Overdraft protection available
Senior Advantage Checking$0/mo

Details

Fee: $0/mo

Minimum: $0 to open

ATMs: 55,000+ fee-free

Features

  • For members age 62+
  • Free paper statements and standard checks
  • Free in-branch notary services
  • Dedicated senior support phone line
Student Checking$0/mo

Details

Fee: $0/mo

Minimum: $25 to open

ATMs: 55,000+ fee-free

Features

  • Ages 17–24
  • Earns 0.05% APY
  • No monthly fee — auto-upgrades at age 25
  • Free debit card
PremierInterestSenior Adv.Student
Monthly Fee$0$8 (waivable)$0$0
Min. to Open$0$100$0$25
Earns InterestNo0.10% APYNo0.05% APY
ATM Network55K+ free55K+ / $10 reimb.55K+ free55K+ free
Who It's ForEveryoneBalance-keepersAge 62+Age 17–24

Grow Your Money

Savings Accounts

High yields, no surprise fees — from emergency funds to your child's first account.

High-Yield Savings

5.05%

APY · Min $0

  • No monthly fee or minimum
  • Interest compounds monthly
  • Auto round-up available
  • FDIC insured to $250K

Money Market Account

4.75%

APY · Min $25

  • Check-writing privileges
  • Tiered rates on higher balances
  • Unlimited in-branch withdrawals
  • FDIC insured to $250K

Minor Savings

4.00%

APY · Min $0

  • For children under 18
  • Joint with parent/guardian
  • No monthly fee
  • Converts at age 18

Holiday Savings Club

3.50%

APY · Min $0

  • Auto weekly/monthly deposits
  • Funds released in November
  • Helps budget holiday spending

Rates subject to change. FDIC insured up to $250,000 per depositor.

Fixed-Rate Growth

Certificates of Deposit

Lock in a guaranteed rate for 3 months to 5 years. $1,000 minimum. FDIC insured.

Current CD Rates

Effective July 17, 2026 · $1,000 min. · Subject to change

TermAPY
3 Month4.50%
6 Month4.85%
12 Month5.10%
18 Month5.20%
24 Month5.25%
36 MonthBest5.30%
48 Month5.20%
60 Month5.10%

How CDs Work

Deposit a fixed amount for a chosen term. Your rate locks at opening and will not change. Interest compounds monthly or pays out at maturity.

Early Withdrawal

Permitted subject to a penalty of 90–180 days of interest depending on term. Full terms disclosed at account opening.

Auto-Renewal

At maturity, CDs auto-renew at the then-current rate for the same term unless you act within the 10-day grace period.

IRA CDs

All terms available inside Traditional or Roth IRAs for tax-advantaged retirement savings. Annual contribution limits apply.

Borrow Smart

Loans & Lines of Credit

Transparent rates, no hidden fees, fast decisions — personal, auto, home equity, student & more.

Personal LoansFrom 7.99% APR

Rate: From 7.99% APR

Amount: $1,000–$50,000

Terms: 12–84 months

Features

  • No collateral required
  • Fixed rate & fixed payments
  • Same-day decision for most
  • Funds in 1–2 business days
  • No prepayment penalty
Auto LoansFrom 5.99% APR

Rate: From 5.99% APR

Amount: $5,000–$100,000

Terms: Up to 84 months

Features

  • New, used & refinance options
  • Decision in minutes
  • GAP coverage available
  • No prepayment penalty
Home Equity Line (HELOC)From 6.49% APR

Rate: From 6.49% APR

Amount: Up to $500,000

Terms: 10-yr draw / 20-yr repay

Features

  • Variable rate tied to Prime
  • Draw as needed, pay what you use
  • Interest may be tax-deductible*
  • No application fee
Home Equity LoanFrom 6.99% APR

Rate: From 6.99% APR

Amount: $25,000–$500,000

Terms: 5–30 years

Features

  • Fixed rate for full term
  • Lump-sum disbursement
  • Predictable monthly payments
  • Interest may be tax-deductible*
Student LoansFrom 4.99% APR

Rate: From 4.99% APR

Amount: Up to cost of attendance

Terms: 5–20 years

Features

  • Undergrad & graduate programs
  • 6-month grace period after graduation
  • Cosigner release after 24 payments
  • No origination fees
Overdraft Line of CreditFrom 12.99% APR

Rate: From 12.99% APR

Amount: $500–$5,000

Terms: Revolving

Features

  • Linked to checking
  • Auto advance when balance drops
  • Pay interest only on what you use
  • Cheaper than per-item fees

Rates shown are lowest available and subject to credit approval. *Tax deductibility subject to IRS rules — consult a tax advisor. APR = Annual Percentage Rate.

Spend Smarter

Credit Cards

Rewards, travel benefits, and credit-building — all with Visa Zero Liability protection.

Featured

Platinum Rewards Visa

3% $0 annual fee

0% intro 15 months · 19.99%–29.99% variable after

3% on groceries, gas & dining1% on everything elseRewards auto-deposit to checkingFraud zero-liabilityNo annual fee, ever

Evertrust Travel Card

2×

$95/yr

20.99%–27.99% variable

  • $200 annual travel credit
  • No foreign transaction fees
  • Lounge access 2×/yr
  • Trip cancellation coverage

Secured Visa

1%

$0 annual fee

21.99% variable

  • Build or rebuild credit
  • $300–$5,000 deposit
  • Reports to all 3 bureaus
  • Eligible to upgrade after 12 months

Subject to credit approval. Variable APR may change with Prime Rate. See Cardholder Agreement for complete terms.

Evertrust Federal Bank · Member FDIC · Equal Housing Lender · NMLS# 000000 · Routing: 026009593 · 1-800-EVERTRUST