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Everwise Credit Union

Product terms with exact source passages
TermValueSource
APR for purchases17.74% variableEVERWISE · Page Capture Oct 15, 2026 · Captured Oct 15, 2026Website
APR for balance transfers17.74% variableEVERWISE · Page Capture Oct 15, 2026 · Captured Oct 15, 2026Website
APR for cash advances27.74% variableEVERWISE · Page Capture Oct 15, 2026 · Captured Oct 15, 2026Website
Penalty APRafter a late or returned payment29.49%EVERWISE · Page Capture Oct 15, 2026 · Captured Oct 15, 2026Website
Paying interestgrace period on new purchases—
Annual feeNoneEVERWISE · Page Capture Oct 15, 2026 · Captured Oct 15, 2026Website
Transaction fees
Cash advance4% of the amount, 4%EVERWISE · Page Capture Oct 15, 2026 · Captured Oct 15, 2026Website
Balance transferthe greater of $5 or 5% of the amount, $5 or 5% per transaction, whichever is greaterEVERWISE · Page Capture Oct 15, 2026 · Captured Oct 15, 2026Website
Foreign transaction2% of the amount, 2% per transactionEVERWISE · Page Capture Oct 15, 2026 · Captured Oct 15, 2026Website
Penalty fees
Late payment—
Returned payment$25, $25.00EVERWISE · Page Capture Oct 15, 2026 · Captured Oct 15, 2026Website
Other feesup to $26 — Up to $26.00EVERWISE · Page Capture Oct 15, 2026 · Captured Oct 15, 2026Website
Opening conditions. Loans subject to credit approval. Borrower must be a resident of Indiana or Michigan, EVERWISE · Page Capture Oct 15, 2026 · Captured Oct 15, 2026Website
APR qualificationsBalance transfer · Regular; Purchase · Regular17.74% based on your creditworthiness. This APREVERWISE · Page Capture Oct 15, 2026 · Captured Oct 15, 2026Website
APR qualificationsCash advance · Regular27.74% based on your creditworthiness. This APREVERWISE · Page Capture Oct 15, 2026 · Captured Oct 15, 2026Website
APR qualificationsPenalty · PenaltyIf you haven’t made a payment 65 days or more after the due date, we may apply a Penalty APR of 29.49%. This rate applies to existing and new transactions.EVERWISE · Page Capture Oct 15, 2026 · Captured Oct 15, 2026Website
Purchase rewardsNot disclosed1.5 points per $1. See source conditions for eligible purchases.EVERWISE · Page Capture Oct 15, 2026 · Captured Oct 15, 2026Website
Rewards conditionsPurchase rewardsPoint posting timing is not disclosed. Points expire 4 years from the end of the calendar year in which earned. Redemption options: cash. You may earn 1.5 Reward points on your Net Purchase Transactions, which is the amount of your Purchase transactions, less any purchase refunds. Reward points are not earned on Cash Advance or Balance Transfer transactions. The accrued Reward points will be shown on your monthly billing statement. The Reward points will be available to redeem via online banking at everwisecu.com or at curewards.com. All Rewards will expire four (4) years from the end of the calendar year, in which they are earned on a first-in, first-out basis. Reward points may not be available to all cardholders. We may revoke your Reward points, at any time, if you exceed your credit limit, become delinquent, are in default of your Agreement, or close your Account. Everwise Credit Union reserves the right to change the Reward points program at any time. See Rewards disclosure included in this Welcome Packet.EVERWISE · Page Capture Oct 15, 2026 · Captured Oct 15, 2026Website
Rewards source conditionsPurchase rewards. Redeem for cash and deposit them directly into your account. It's that simple.EVERWISE · Page Capture Oct 15, 2026 · Captured Oct 15, 2026Website