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Our banking products and services do that every day.



Personal Finance

Extraordinary earnings from deposit accounts, even from an interest-bearing checking account. Fresh and creative ways to diversify your portfolio, both globally and domestically. Making a positive impact on your finances is something you'll appreciate about EverBank®.

Deposit accounts for your transactional and saving needs

With high yields and free Online Banking, you'll enjoy what an EverBank deposit account can do for you.

IRAs for your retirement planning

From capital preservation to portfolio diversification EverBank's IRAs can help you achieve your retirement goals—when an ordianry IRA just won't do.

Credit and lending solutions to achieve your goal

EverBank offers a range of home financing and credit products to help you achieve your financial and personal goals.

Solutions to help diversify your portfolio with EverBank®

From global to domestic, discover a range of opportunities that can diversify your portfolio.

  • Foreign Currencies
    A leader in the FDIC-insured foreign currency accounts,1 EverBank offers several ways for you to add this unique asset to your portfolio.
  • Precious Metals
    Adding valuable gold and silver commodities can be surprisingly simple with our non-FDIC insured Metals Select accounts2

Solutions to help diversify your portfolio with EverTrade® Direct Brokerage

  • Domestic and Global Investment Opportunities
    From access to high-credit quality non-FDIC insured world bonds to foreign and domestic exchanges, EverTrade® Direct Brokerage3 delivers investment opportunities to novice and experienced investors.
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  2. EverBank, EverTrade, the EverBank Infinity Sphere and EverBank logo, along with World Energy are proprietary service marks of EverBank. All rights reserved.
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Important Disclosures

  1. EverBank is an FDIC insured federal savings association. The standard FDIC insurance amount of $250,000 is in effect through December 31, 2013. On January 1, 2014 the standard FDIC insurance amount will return to $100,000 per depositor for all account categories except IRAs and other certain retirement accounts, which will remain at $250,000 per depositor. FDIC insurance covers against loss due to the failure of the institution, but not market related fluctuations including changes in currency prices. Due to the nature and volatility of the foreign exchange market, the values of currencies are subject to wide fluctuations against the U.S. dollar and investments in foreign currency denominated instruments will entail significant risk exposure to adverse movements of the foreign currency relative to the U.S. dollar. The amount of deposit insurance available for funds denominated in foreign currency will be determined and paid in the United States dollar equivalent of the foreign currency on the institution's date of default. As with all investments, you can lose money, including principal, due to currency fluctuations, over the term that you own it. Please only invest with money that you can afford to risk, and as part of a broadly diversified investment strategy.

  2. EverBank Metals Select products are not deposits of EverBank, are not insured by the FDIC or any other government agency and the value of the holdings are not guaranteed and are subject to significant risk, including the possible loss of principal due to market price movement. Investing in metals involves degrees of risk that make them unsuitable for certain individuals. You should carefully consider the suitability of such metals before making any decision.

  3. EverBank is a FDIC insured savings bank. EverTrade Direct Brokerage, Inc. is a separate, but affiliated company of EverBank. Investment products and services are provided by EverTrade Direct Brokerage, Inc. and are: NOT insured by the FDIC and may lose value, NOT deposits of EverBank, NOT guaranteed by EverBank or guaranteed by the federal government. EverTrade Direct Brokerage, Inc. is registered as a broker/dealer with the Securities and Exchange Commission and is a member of the FINRA/SIPC.

  4. FreeNet Checking is a tiered, variable rate account. All of our current ongoing yields and tiers may change without notice (current tiers and ongoing Annual Percentage Yields are: $100,000 and up 1.26% APY, $50,000 - $99,999.99 1.20% APY, $25,000 - $49,999.99 1.16% APY, $10,000 - $24,999.99 0.70% APY and under $10,000 0.61% APY). EverBank invites first-time FreeNet Checking account holders to enjoy a three month Bonus Interest Rate and New Account First Year APY offer on their new account. The Bonus Interest Rate that is offered at account opening (currently 2.25%) remains fixed for the first three months and applies to balances up to $100,000. If you have a balance of $100,000 or more, those additional funds will earn the variable ongoing APY for our highest tier (currently 1.26% APY) which may change anytime - even during the first three months As required by law, we are disclosing a blended APY that combines the Bonus Interest Rate with the current ongoing rates to provide an estimated annualized figure, the New Account First Year APY, based on your average daily collected balance. However, this blended APY is not the exact APY that you would actually receive because the current ongoing rate will change periodically over the remaining 9 months of the First Year. Our New Account First-Year APYs are $50,000 - $99,999.99 1.46% APY, $25,000 - $49,999.99 1.43% APY, $10,000 - $24,999.99 1.09% APY and under $10,000 1.02% APY. The New Account First-Year APY for balances from $100,000 to $10,000,000 is best expressed as a range: 1.51 to 1.26%; higher balances are accepted. The minimum deposit to open the account is $1,500. Interest rates and APYs mentioned are accurate as of 3/5/2010 12:00:00 AM.

  5. Yield Pledge Money Market is a variable rate account. Our current ongoing yield may change without notice and the Annual Percentage Yield for all balances is currently 1.26% APY. EverBank invites first-time Yield Pledge Money Market account holders to enjoy a three month Bonus Interest Rate and New Account First-Year APY offer on their new account. The Bonus Interest Rate that is offered at account opening (currently 2.25%) remains fixed for the first three months and applies to balances up to and including $50,000. If you have a balance over $50,000: those additional funds will earn the variable ongoing APY of 1.25%, which may change at anytime—even during the first three months. As required by law, we are disclosing a blended APY that combines the Bonus Interest Rate with the current ongoing rates to provide an estimated annualized figure, the New Account First Year APY, based on your average daily collected balance. However, this blended APY is not the exact APY that you would actually receive because the current ongoing rate will change periodically over the remaining 9 months of the First Year. Our New Account First-Year APY up to $50,000 is 1.51% APY. The New Account First-Year APY for balances from $50,001 to $10,000,000 is best expressed as a range: 1.51% to 1.26%; higher balances are accepted. The minimum deposit to open the account is $1,500. In any month that your average monthly balance falls below $5,000, an $8.95 monthly fee applies. Fees may reduce earnings. Without the bonus rate, the ongoing yield regardless of balance is 1.26%. Interest rates and APYs mentioned are accurate as of 3/5/2010 12:00:00 AM.

  6. 30-year Fixed: A $250,000 home financed at 4.890% Annual Percentage Rate (APR) with 20% down results in a loan amount of $200,000 repaid in 360 equal monthly payments of $1,043.29. If the down payment is less than 20% mortgage insurance may be needed, which will increase monthly payment and APR. Payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater. Subject to credit and property approval. Interest rate, program terms and conditions are subject to change without notice. Not all products are available in all states and for all loan amounts. Other restrictions and limitations may apply.

    15-year Fixed: A $250,000 home financed at 4.348% Annual Percentage Rate (APR) with 20% down results in a loan amount of $200,000 repaid in 180 equal monthly payments of $1,491.94. If the down payment is less than 20% mortgage insurance may be needed, which will increase monthly payment and APR. Payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater. Subject to credit and property approval. Interest rate, program terms and conditions are subject to change without notice. Not all products are available in all states and for all loan amounts. Other restrictions and limitations may apply.
  7. 5/1 ARM: A $250,000 home financed at 3.385% Annual Percentage Rate (APR) with 20% down results in a loan amount of $200,000 repaid in 360 monthly payments of $898.09. This is a variable rate loan product. Rates and monthly payment amounts may increase after closing. If the down payment is less than 20% mortgage insurance may be needed, which will increase monthly payment and APR. Payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater. Subject to credit and property approval. Interest rate, program terms and conditions are subject to change without notice. Not all products are available in all states and for all loan amounts. Other restrictions and limitations may apply.

  8. If you request funds in this account be denominated in a currency other than the currency you deposit with EverBank, we will convert your currency using a then current Exchange Rate. The Exchange Rate you pay will be within 1% of the available Market Rate for the selected foreign currency. Exceptions may occur when a specific conversion rate is agreed upon between you and EverBank or when an Exchange Rate is limited by conditions beyond our control (including government restrictions, wars, insurrections, economic conditions in the country whose currency you select or in the United States, and/or other "Acts of God"). The Market Rate is a market price available on the Interbank currency market and is not published in any newspaper, on any website or in any other publicly available source. Published exchange rates or spot rates may not accurately reflect rates on the Interbank Market or the Exchange Rate available to you. You are not obligated to conduct Exchange Transactions with EverBank. Please see the Foreign Currency Deposit Account Disclosure for more information about EverBank's Exchange Rates.

  9. Rates as of 3/5/2010 12:00:00 AM. Rates may change at any time prior to the opening of the CD. The quoted annual percentage yield (APY) applies only to the corresponding term also quoted with the APY, and assumes that interest remains on deposit until maturity. Penalties for early withdrawal apply. The stated APY does not reflect the potential gains or losses that may occur due to fluctuations in the currency market. A minimum deposit of $10,000 or foreign currency equivalent is required to open the account. For the special Indian rupee and Brazilian real CDs the minimum opening deposit is $20,000 or foreign currency equivalent.

  10. Rates as of 3/5/2010 12:00:00 AM. Rates may change at any time prior to the opening of the CD. The quoted annual percentage yield (APY) applies only to the corresponding term also quoted with the APY, and assumes that interest remains on deposit until maturity. The stated APY does not reflect the potential gains or losses that may occur due to fluctuations in the currency market. Interest earned on your Basket CD will be paid in additional units of the CD. Each unit is made up of each of the currencies listed here in accordance with the specified weightings. On maturity, your units can be rolled over into a new Basket CD or converted to U.S. dollars at a conversion rate that blends the market value of each currency in accordance with that currency's weighting. Penalties for early withdrawal apply. A minimum deposit of $20,000 or foreign currency equivalent is required to open the account.