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Everence Trust Company Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: October 8, 2026

Everence Trust Company's top rates as of October 8, 2026 are 4.10% APY on its 7-Months 7-Month New deposits only CD, 0.15% APY on savings, 1.00% APY on money market accounts, and personal loans from 8.99% APR, according to rates verified by MonitorBankRates. Other Everence Trust Company CD rates include 13-Months 13-Month Certificate at 4.00%, 19-Months 19-Month Certificate at 3.90%, and 31-Months 31-Month Certificate at 3.70%. MonitorBankRates evaluates the financial stability of Everence Trust Company with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Rates last updated and verified on 10/08/2026.

Everence Trust Company money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Everence Trust Company? Share your experience about Everence Trust Company by leaving a review below, or read customer reviews before you decide to use Everence Trust Company.

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 100/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
0.00%
Perfect Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Everence Trust Company
1110 N Main St
Goshen, IN 46528
https://www.everence.com
MemberFDIC
Customer Reviews
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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Everence Trust Company CD Rates

Product Rate APY Term View More
7 month New deposits only - 4.10% 7 months
Min Deposit $500
Details New deposits only
Last Updated 10/08/2026
Rate History
No change since Oct 8, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 8, 2026: 4.10% APYOct 8, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
13 Month Certificate - 4.00% 13 months
Min Deposit $500
Last Updated 10/08/2026
Rate History
No change since Oct 3, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 3, 2026: 4.00% APYOct 3, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
19 Month Certificate - 3.90% 19 months
Min Deposit $500
Last Updated 10/08/2026
Rate History
No change since Oct 3, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 3, 2026: 3.90% APYOct 3, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
31 Month Certificate - 3.70% 31 months
Min Deposit $500
Last Updated 10/08/2026
Rate History
No change since Oct 3, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 3, 2026: 3.70% APYOct 3, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
60 Month Traditional certificate terms - 3.55% 60 month
Min Deposit $100,000
Last Updated 10/08/2026
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
48 Month Traditional certificate terms - 3.50% 48 month
Min Deposit $100,000
Last Updated 10/08/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
60 Month Traditional certificate terms - 3.50% 60 month
Min Deposit $500
Last Updated 10/08/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
36 Month Traditional certificate terms - 3.45% 36 month
Min Deposit $100,000
Last Updated 10/08/2026
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 5 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
48 Month Traditional certificate terms - 3.45% 48 month
Min Deposit $500
Last Updated 10/08/2026
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 5 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
30 Month Traditional certificate terms - 3.40% 30 month
Min Deposit $100,000
Last Updated 10/08/2026
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 5 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
36 Month Traditional certificate terms - 3.40% 36 month
Min Deposit $500
Last Updated 10/08/2026
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 5 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
24 Month Traditional certificate terms - 3.35% 24 month
Min Deposit $100,000
Last Updated 10/08/2026
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 5 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
30 Month Traditional certificate terms - 3.35% 30 month
Min Deposit $500
Last Updated 10/08/2026
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 5 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
18 Month Traditional certificate terms - 3.30% 18 month
Min Deposit $100,000
Last Updated 10/08/2026
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 5 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
24 Month Traditional certificate terms - 3.30% 24 month
Min Deposit $500
Last Updated 10/08/2026
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 5 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
12 Month Traditional certificate terms - 3.25% 12 month
Min Deposit $100,000
Last Updated 10/08/2026
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
18 Month Traditional certificate terms - 3.25% 18 month
Min Deposit $500
Last Updated 10/08/2026
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
12 Month Traditional certificate terms - 3.20% 12 month
Min Deposit $500
Last Updated 10/08/2026
Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 5 times
2.70%3.20%3.70%Sep 14, 2026: 3.20% APYSep 14, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
6 Month Certificate - 3.20% 6 month
Min Balance $100,000
Details 6 month ($100,000 minimum)
Last Updated 10/08/2026
Rate History
No change since Sep 20, 2026 · 3.20% APY · checked 3 times
2.70%3.20%3.70%Sep 20, 2026: 3.20% APYSep 20, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
6 Month Traditional certificate terms - 3.20% 6 month
Min Deposit $100,000
Last Updated 10/08/2026
Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 5 times
2.70%3.20%3.70%Sep 14, 2026: 3.20% APYSep 14, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
6 Month Certificate - 3.15% 6 month
Min Balance $500
Details 6 month ($500 minimum)
Last Updated 10/08/2026
Rate History
No change since Sep 20, 2026 · 3.15% APY · checked 3 times
2.65%3.15%3.65%Sep 20, 2026: 3.15% APYSep 20, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
6 Month Traditional certificate terms - 3.15% 6 month
Min Deposit $500
Last Updated 10/08/2026
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 5 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%

Everence Trust Company Savings Rates

Product Rate APY View More
Youth savings - 5.00%
Min Balance $0
Details Balance: Up to $1,000
Last Updated 10/08/2026
Rate History
No change since Sep 20, 2026 · 5.00% APY · checked 4 times
4.50%5.00%5.50%Sep 20, 2026: 5.00% APYSep 20, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Jubilee savings - 3.00%
Min Balance $0
Details Balance: Up to $1,000
Last Updated 10/08/2026
Rate History
No change since Sep 20, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 20, 2026: 3.00% APYSep 20, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Relationship savings - 2.85%
Min Balance $5,000
Details Qualifications Required: personal checking account; debit card; minimum of $10,000 between all deposit accounts; minimum of $5,000 in the Relationship Savings account; Base rate, paid monthly, requires minimum average daily balance of $5,000 in the Relationship Savings account and additional relationship rate, paid monthly, applies if all additional requirements are met the previous month. APYs are calculated solely on the Relationship Savings account balance. Minimum balance fees not applicable to Relationship Savings account. Other fees may apply and may reduce earnings. APYs subject to change without prior notice. Contact us for current rates and more details. To qualify for the Relationship Savings account rate each month, you must have a personal checking account, debit card, and a minimum of $10,000-with a minimum of $5,000 in the Relationship Savings account-between all deposit accounts as of 12 a.m. on the first of that month. Offer limited to one account per personal tax ID. Must qualify for membership and for a checking account. Minors must have a parent/guardian joint owner for checking and debit card.
Last Updated 10/08/2026
Rate History
1 change since Sep 20, 2026 · 2.75% → 2.85% ▲ 0.10 pts · high 2.85% / low 2.75%
2.25%2.80%3.35%Sep 20, 2026: 2.75% APYOct 3, 2026: 2.85% APYSep 20, 2026Oct 8, 2026
  • Oct 3, 20262.85%▲ from 2.75%
  • Sep 20, 20262.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Health Savings Accounts (HSA) - 0.50%
No additional details.
Last Updated 10/08/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Jubilee savings - 0.15%
Min Balance $1,000
Details Balance: Over $1,000
Last Updated 10/08/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 5 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Regular savings and club - 0.15%
No additional details.
Last Updated 10/08/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 5 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Relationship savings - 0.15%
Details Qualifications Required: Qualifications not met; Qualifications not met
Last Updated 10/08/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 5 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Youth savings - 0.15%
Min Balance $1,000
Details Balance: Over $1,000
Last Updated 10/08/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 5 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%

Everence Trust Company Money Market Rates

Product Rate APY View More
Indexed money market (Tier 1) - 4.00%
Min Balance $50
Details Balance: $50 to $2,500
Last Updated 10/08/2026
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 8, 2026: 4.00% APYSep 14, 2026Oct 8, 2026
  • Oct 8, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Indexed money market (Tier 2) - 2.00%
Min Balance $2,500
Details Balance: $2,500.01 to $100,000
Last Updated 10/08/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 4 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Indexed money market (Tier 3) - 1.00%
Min Balance $100,000
Details Balance: Over $100,000.01
Last Updated 10/08/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%

Everence Trust Company Business Money Market Rates

Product Rate APY View More
Business money market - 3.00%
Min Balance $1,000,000
Details Balance: Over $1,000,000
Last Updated 10/08/2026
Rate History
1 change since Sep 14, 2026 · 1.80% → 3.00% ▲ 1.20 pts · high 3.00% / low 1.80%
0.60%2.40%4.20%Sep 14, 2026: 1.80% APYOct 3, 2026: 3.00% APYSep 14, 2026Oct 8, 2026
  • Oct 3, 20263.00%▲ from 1.80%
  • Sep 14, 20261.80%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Business money market - 2.40%
Min Balance $500,000
Details Balance: $500,000 to $999,999.99
Last Updated 10/08/2026
Rate History
1 change since Sep 14, 2026 · 1.65% → 2.40% ▲ 0.75 pts · high 2.40% / low 1.65%
0.90%2.03%3.15%Sep 14, 2026: 1.65% APYOct 3, 2026: 2.40% APYSep 14, 2026Oct 8, 2026
  • Oct 3, 20262.40%▲ from 1.65%
  • Sep 14, 20261.65%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Business money market - 2.00%
Min Balance $250,000
Details Balance: $250,000 to $499,999.99
Last Updated 10/08/2026
Rate History
1 change since Sep 14, 2026 · 1.55% → 2.00% ▲ 0.45 pts · high 2.00% / low 1.55%
1.05%1.78%2.50%Sep 14, 2026: 1.55% APYOct 3, 2026: 2.00% APYSep 14, 2026Oct 8, 2026
  • Oct 3, 20262.00%▲ from 1.55%
  • Sep 14, 20261.55%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Business money market - 1.75%
Min Balance $100,000
Details Balance: $100,000 to $249,999.99
Last Updated 10/08/2026
Rate History
1 change since Sep 14, 2026 · 1.45% → 1.75% ▲ 0.30 pts · high 1.75% / low 1.45%
0.95%1.60%2.25%Sep 14, 2026: 1.45% APYOct 3, 2026: 1.75% APYSep 14, 2026Oct 8, 2026
  • Oct 3, 20261.75%▲ from 1.45%
  • Sep 14, 20261.45%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Business money market - 1.65%
Min Balance $25,000
Details Balance: $25,000 to $99,999.99
Last Updated 10/08/2026
Rate History
1 change since Sep 14, 2026 · 1.40% → 1.65% ▲ 0.25 pts · high 1.65% / low 1.40%
0.90%1.53%2.15%Sep 14, 2026: 1.40% APYOct 3, 2026: 1.65% APYSep 14, 2026Oct 8, 2026
  • Oct 3, 20261.65%▲ from 1.40%
  • Sep 14, 20261.40%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Business money market - 1.60%
Min Balance $10,000
Details Balance: $10,000 to $24,999.99
Last Updated 10/08/2026
Rate History
1 change since Sep 14, 2026 · 1.35% → 1.60% ▲ 0.25 pts · high 1.60% / low 1.35%
0.85%1.48%2.10%Sep 14, 2026: 1.35% APYOct 3, 2026: 1.60% APYSep 14, 2026Oct 8, 2026
  • Oct 3, 20261.60%▲ from 1.35%
  • Sep 14, 20261.35%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Business money market - 1.50%
Min Balance $0
Details Balance: Up to $9,999.99
Last Updated 10/08/2026
Rate History
1 change since Sep 14, 2026 · 1.30% → 1.50% ▲ 0.20 pts · high 1.50% / low 1.30%
0.80%1.40%2.00%Sep 14, 2026: 1.30% APYOct 3, 2026: 1.50% APYSep 14, 2026Oct 8, 2026
  • Oct 3, 20261.50%▲ from 1.30%
  • Sep 14, 20261.30%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%

Everence Trust Company Checking Rates

Product Rate APY View More
Relationship checking - 2.00%
Details Qualifications Required; *Qualifications met
Last Updated 10/08/2026
Rate History
2 changes since Sep 14, 2026 · 2.00% → 2.00% ▼ 0.00 pts · high 2.00% / low 0.15%
0.00%1.93%3.85%Sep 14, 2026: 2.00% APYSep 25, 2026: 0.15% APYOct 3, 2026: 2.00% APYSep 14, 2026Oct 8, 2026
  • Oct 3, 20262.00%▲ from 0.15%
  • Sep 25, 20260.15%▼ from 2.00%
  • Sep 14, 20262.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Student checking Account - 2.00%
Details Qualifications Required; *Qualifications met
Last Updated 10/08/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 5 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Relationship checking - 0.15%
Details *Qualifications not met
Last Updated 10/08/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 5 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%

Everence Trust Company Business Checking Rates

Product Rate APY View More
Business Nonprofit dividend checking - 0.50%
Details N/A
Last Updated 10/08/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Business dividend checking - 0.10%
Details N/A
Last Updated 10/08/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 5 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%

Everence Trust Company Home Equity & HELOC

Product Rate Points APR Term View More
10 year home equity loan - - 6.49% 10 year
Details As low as1
Last Updated 10/08/2026
Rate History
No change since Sep 14, 2026 · 6.49% APR · checked 6 times
5.99%6.49%6.99%Sep 14, 2026: 6.49% APRSep 14, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
15 year home equity loan - - 6.74% 15 year
Details As low as1
Last Updated 10/08/2026
Rate History
No change since Sep 14, 2026 · 6.74% APR · checked 6 times
6.24%6.74%7.24%Sep 14, 2026: 6.74% APRSep 14, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
20 year home equity loan - - 7.24% 20 year
Details As low as1
Last Updated 10/08/2026
Rate History
No change since Sep 14, 2026 · 7.24% APR · checked 6 times
6.74%7.24%7.74%Sep 14, 2026: 7.24% APRSep 14, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%

Everence Trust Company Personal Loan Rates

Product APR Term View More
Personal Loan 8.99%
Details As Low As; Rates subject to credit score.
Last Updated 10/08/2026
Rate History
No change since Sep 14, 2026 · 8.99% APR · checked 5 times
8.49%8.99%9.49%Sep 14, 2026: 8.99% APRSep 14, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%

Everence Trust Company Other Rates

Product Rate Points APY/APR Term View More
Individual Retirement Accounts (IRA) - - 0.50%
Last Updated 10/08/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 8, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Everence Trust Company’s Texas Ratio stayed near 0.00% in Q3 2023 to 0.00% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 0.3% 2.0★ 0.5% 3.0★ 0.8% 4.0★ 1% 5.0★ Healthy zone – entire history below the 15% limit 0.00% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 0.00% A+ Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$16M0.00%5.0A+
March 31, 2026$17M0.00%5.0A+
December 31, 2025$15M0.00%5.0A+
September 30, 2025$14M0.00%5.0A+
June 30, 2025$13M0.00%5.0A+
March 31, 2025$13M0.00%5.0A+
December 31, 2024$12M0.00%5.0A+
September 30, 2024$18M0.00%5.0A+
June 30, 2024$14M0.00%5.0A+
March 31, 2024$14M0.00%5.0A+
December 31, 2023$14M0.00%5.0A+
September 30, 2023$11M0.00%5.0A+
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Everence Trust Company is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Everence Trust Company rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Everence Trust Company's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Everence Trust Company
FDIC Certificate # 57109
Address 1110 N Main St, Goshen, IN 46528  ·  Elkhart
Website https://www.everence.com
Established 20010601
FDIC Insurance Date 20010601
Domestic Offices 1
Total Branches 1
Regulator OCC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+
Overall Health Grade Score: 100/100
5.0
Exceptional Out of 5.0 Stars
0.00%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 19.6331%
Return on Equity (ROE) 23.4100%
Non-Performing Loans (NPL) 0.00%
Total Assets $16,159,000
Total Deposits $500,000
Equity Capital $14,173,000
Net Income $1,575,000
Headquarters Goshen
Total Branches and Offices 1
Source: FDIC  |  Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Everence Trust Company earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/banks/everence-trust-company-rates-review-57109">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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☆☆☆☆☆
Total Reviews
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Frequently Asked Questions About Everence Trust Company

How many branches does Everence Trust Company operate?

Everence Trust Company currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Everence Trust Company does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Everence Trust Company provides members with tools to manage their accounts and build a solid financial history.

Does Everence Trust Company offer online and mobile banking?

Most modern institutions like Everence Trust Company provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.everence.com.

Current Everence Trust Company Rates

  • 12-Month CD3.20%
  • 18-Month CD3.25%
  • 24-Month CD3.30%
  • 36-Month CD3.40%
  • 48-Month CD3.45%
  • 60-Month CD3.50%
  • Savings0.15%
  • MMA1.00%
Retrieved from our database of financial products. Rates subject to change.

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