Everence Credit Union Ephrata PA | Low Mortgage Rates & Auto Loans

Introduction

At Everence, we believe in building strong, lasting relationships with our members and the community we serve. Nestled in the heart of Ephrata, PA, our branch at 1021 Sharp Ave is not just a financial institution; it's a hub for support, guidance, and trusted financial services. Established in 1955, Everence has grown to serve over 24,000 members, providing them with a robust range of banking solutions tailored to their needs. As a credit union with total assets exceeding $435 million, we are dedicated to ensuring your financial well-being. Our commitment is reflected in our impressive $31.7 million in total deposits and a net worth of $34.6 million, demonstrating our stability and reliability as your financial partner. With more than 78 employees on hand, led by CEO Kristen Heisey and Board President Kevin Ressler, we are always ready to assist you in achieving your financial goals. While you can visit us at our Ephrata location for personal banking, auto loans, mortgages, and more, official correspondence should be directed to our mailing address: 1021 Sharp Ave, Ephrata, PA 17522. We invite you to explore the various services we offer through our website at Everence. At Everence, we pride ourselves on not just being a bank but also a community partner committed to enhancing the quality of life for our members. Whether it's through personalized lending solutions or accessible online banking options, we're here to support you every step of the way. Ready to take the next step towards financial empowerment? Call us today at 717-721-6180 or drop by our branch during lobby hours Monday through Wednesday from 9 AM to 4 PM, Thursday from 9 AM to 5 PM, and Friday until 6 PM. Experience the difference with Everence where your financial journey matters!

Branch History & Mission

Join Us Today!

Everence invites you to experience the benefits of membership firsthand. With convenient operating hours (Mon-Wed 9-4; Th-F 9-5) and drive-thru banking available, we make it easy for you to access your accounts and receive personalized service whenever you need it. Discover how being part of Everence can enhance your financial journey. Contact us today at 717-721-6180 or visit our website at everence.com. Join us as we continue to grow together!

Our Evolution

Since our founding, Everence has evolved significantly. We started with a handful of dedicated members and have now built a solid foundation with total assets amounting to $435,885,878. Throughout the years, we have expanded our offerings to include personal banking services such as checking and savings accounts, auto loans, mortgages, and business banking solutions. Our commitment to adapting to the needs of our members has allowed us to thrive in an ever-changing financial landscape. As we grew, so did our commitment to community outreach. We believe that financial health goes hand-in-hand with community well-being. This is why we've established partnerships with local organizations and engage in various outreach initiatives aimed at supporting those in need within our area.

Our Mission

At Everence, our mission is clear: we are dedicated to providing exceptional financial services while positively impacting the communities we serve. We strive to make banking not just about transactions but about building relationships and trust. Our team is here to assist you every step of the way whether it's through personalized loan options or comprehensive financial education. We operate with integrity and transparency, ensuring that your needs come first. We also embrace modern technology by offering online banking and mobile applications for your convenience while maintaining ADA compliance across our services. While members can visit us at 1021 Sharp Ave for all their banking needs, official correspondence should be sent to our mailing address: 1021 Sharp Ave Ste 100, Ephrata, PA 17522.

Branch Location & Accessibility

Convenient Access and Amenities

At Everence, we prioritize your comfort and accessibility. Our location features ample parking, and we are proud to be ADA compliant, ensuring everyone can easily visit us. For those on the go, our drive-thru service allows you to handle quick transactions without leaving your vehicle. Plus, if you need cash or want to check your balance, we have an ATM available right outside.

Operating Hours

We understand that life can be busy! That's why our lobby hours are set to accommodate various schedules: open Monday through Wednesday from 9 AM to 4 PM, Thursday from 9 AM to 5 PM, and Friday extending until 6 PM. If you prefer drive-thru banking, those hours mirror our lobby schedule for easy access throughout the week.

Visit Us Today!

Whether you're interested in personal banking services like checking accounts or auto loans, or if you're looking for business banking solutions, our team is ready to help. While members can visit us at our branch address for all their needs, official correspondence should be sent to the same address: 1021 Sharp Ave, Ephrata, PA 17522. For any inquiries or assistance, feel free to call us at 717-721-6180. We can't wait to welcome you to Everence where community meets convenience!

Member Eligibility

Becoming a member of Everence is like stepping into a welcoming community that prioritizes your financial well-being. To join our family, you simply need to meet a few friendly criteria. If you live, work, worship, or attend school in the areas we serve or have a family member who is already part of our credit union, you're likely eligible! We believe in making banking personal and accessible, so you'll find that becoming a member opens doors to various advantages, from competitive rates on loans to personalized service tailored just for you. For more detailed information about eligibility requirements, please check out our resource at https://www.everence.com/about-everence/become-a-member. If you're ready to take the next step toward membership or have any questions, feel free to give us a call at (717) 721-6180. We're here to help you every step of the way!

Business Banking & Commercial Services

Commercial Loans for Every Need

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $523 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $23 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $60,773,545, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services that Make Transactions Easy

Imagine serving customers without the hassle of complicated payment systems. Our merchant services simplify transactions, allowing you to focus on what you do best running your business. Whether it's accepting credit cards or managing payments online, we provide the tools that make everyday transactions smooth and efficient. Located at 1021 Sharp Ave Ephrata Pa 17522 in Ephrata, PA, we are here to help you navigate your business needs with confidence. Connect with us today at (717) 721-6180 to learn more about how we can support your journey!

Comprehensive List Of Services

Business Banking

For local entrepreneurs, our Business Banking services include merchant services and business loans aimed at helping your business thrive. Whether you're starting a new venture or expanding an existing one, we have the tools to support you.

Credit Cards

Our Credit Cards with Rewards program allows you to earn benefits while making everyday purchases. Imagine earning points on groceries that can be redeemed for travel or gift cards!

Digital and Convenient Banking

In today's fast-paced world, convenience is key. With our Online & Mobile Banking, managing your account is just a click away. You can check balances, transfer funds, and pay bills anytime from anywhere. Our ATM & Cash Withdrawal Services ensure that you always have access to your money when you need it.

Drive-Thru and Shared Services

For those who prefer face-to-face interaction, our basic drive-thru banking offers quick access for deposits and withdrawals without leaving your vehicle. Additionally, if you're a member of partner credit unions, you can take advantage of our basic shared branch transactions for added convenience. With these comprehensive services at Everence, we're committed to providing friendly support and expert advice every step of the way. If you're ready to explore what we have to offer or if you have any questions, don't hesitate to reach out at (717) 721-6180 or visit us online at Ephrata. We look forward to serving you!

Personal Banking

We understand that managing personal finances can sometimes feel overwhelming. That's why we offer various Personal Banking services, including checking and savings accounts designed to help you save for your goals, whether it's a family vacation or a new car. If you're looking for auto loans, our vehicle financing options make it simple to drive away in your dream car without breaking the bank. When it comes to homeownership, our Mortgage Loans & Refinancing solutions can guide you through purchasing your first home or refinancing an existing mortgage for better rates. Plus, if you find yourself needing a little extra cash, our Personal Loans & Debt Consolidation services can help streamline your finances and reduce stress.

Digital & Online Banking

Account Management Made Easy

E-statements are available too! You can choose to receive your statements electronically, reducing paper clutter while still keeping track of your financial activity. Managing your accounts in real-time has never been easier or more secure. While mobile payments may not be available just yet, we are committed to offering innovative solutions that suit your banking needs. At Everence, we strive to create an accessible and user-friendly experience for all our members. So why wait? Explore the benefits of digital and online banking with us today!

Key Features

With our 24/7 online banking services, you can access your account whenever it suits you. Check your balance, transfer funds, or pay bills with just a few clicks. Plus, for those who prefer to use their mobile devices, our user-friendly mobile application is available for download, ensuring that all these features are right in your pocket. We also offer person-to-person transfers, making it simple to send money directly to friends or family without needing cash or checks. If you're concerned about security, rest assured that we provide electronic signature authorization for added peace of mind when handling sensitive transactions.

Financial Strength

At Everence, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. With a strong commitment to transparency and member service, we are proud to share our financial health with you. With a net worth of $34,589,010, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 802% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $67,340,042 in share certificates and $43,857,939 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $28,208,739 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $13,347,000 in used auto loans and a total of $310,278,906 in loans and leases. Our operational efficiency is reflected in our net income of $1,580,271, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 62 full-time employees and 16 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. The strength of Everence is further illustrated by our robust member base with a total of 60,534 share accounts. This shows that many trust us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Everence is your trusted partner. Visit us at 1021 Sharp Ave Ephrata Pa 17522 or call 717-721-6180 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $15,450,465 in used vehicle loans and $11,535,473 in new vehicle loans already helping members get on the road. We believe in making car financing simple and accessible.

Business Financing

For business owners, our outstanding commercial loans totaling $60,773,545 provide the capital needed to grow and expand. We understand that running a business requires quick access to funds and our team is here to assist you with tailored solutions.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $22,112,018, make buying or refinancing simple. We provide support throughout the process to ensure you feel confident and informed every step of the way.

Refinancing Options

If you're considering refinancing any of your existing loans or exploring eligibility options for new ones, we can guide you through that process as well. Our team will work closely with you to find the best options that suit your financial situation. For more information about our loan offerings or to discuss what might work best for you, don't hesitate to reach out at (717) 721-6180. We're here to help! Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes be challenging. That's why we also offer flexible terms on unsecured credit card loans, with a total of $3,816,520 in loans helping members manage their finances effectively. Our credit cards come with various features designed to fit your lifestyle.

Loan Aggregator

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Ensuring Accurate Comparisons

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EVERENCE FEDERAL CREDIT UNION - Ephrata, PA

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