Whether you’re looking to purchase a home, a vehicle, or wanting to dive head first into your next project, we have the loan for you and your lifestyle. Automatic payments. Direct deposit. Mobile check deposits. No pre-payment penalty.
Your Evergreen Credit Union account will also give you access to online banking, our mobile app, free checking accounts, and personal one-on-one customer service with our local loan officers. Apply today to find out why we’re naturally a better financial!
| Vehicles, Boats & Campers | ||
|---|---|---|
 Enjoy an additional 0.25% APR discount on Hybrid and Electric vehicles – call for details! |
||
| 2021 & newer | APR* as low as | Cost Per $1000 |
| up to 4 years | 5.24% | $23.14 |
| up to 5 years | 5.74% | $19.21 |
| up to 6 years | 5.99% | $16.57 |
| up to 7 years** | 7.24% | $15.21 |
| 2018-2020 | APR* as low as | Cost Per $1000 |
| up to 5 years | 5.99% | $19.33 |
| 2014-2017 | APR* as low as | Cost Per $1000 |
| up to 4 years | 6.74% | $23.83 |
| 2013 & older | APR* as low as | Cost Per $1000 |
| up to 3 years | 7.74% | $31.22 |
*Annual Percentage Rate. Rates effective 8/19/24.
**Loan amount >$30,000 on current model year vehicles only. Merit based pricing in effect; actual rate may vary based on your credit score and account relationship.
| Balloon Rates for Boats, Motor Homes, & Extendable Trailers | ||
|---|---|---|
| 2019 & newer | APR* as low as | Cost Per $1000 |
| 3 year balloon | 6.24% | $8.57¹ |
| 2014-2018 | APR* as low as | Cost Per $1000 |
| 3 year balloon | 7.24% | $9.12² |
| 2013 & Older | APR* as low as | Cost Per $1000 |
| 3 year balloon | 8.24% | $9.70³ |
*Annual Percentage Rate. Rates effective 8/19/24.
1Monthly payment on $50,000.00, 180-month amortization results in 35 payments of $428.56 and a final payment of $43,775.03.
2Monthly payment on $50,000.00, 180-month amortization results in 35 payments of $456.28 and a final payment of $44,261.24.
³Monthly payment on $50,000.00, 180-month amortization results in 35 payments of $485.00 and a final payment of $44,725.45.
Merit based pricing in effect; actual rate may vary based on your credit score and account relationship. $15,000 minimum loan on balloon terms. Affordable terms from 10 to 30 years. Contact a loan officer for more details.
| Recreational | ||
|---|---|---|
| 2021 & Newer | APR* as low as | Cost Per $1000 |
| up to 5 years | 6.24% | $19.44 |
| 2018-2020 | APR* as low as | Cost Per $1000 |
| up to 5 years | 6.74% | $19.68 |
| 2014-2017 | APR* as low as | Cost Per $1000 |
| up to 4 years | 7.74% | $20.15 |
| 2013 & older | APR* as low as | Cost Per $1000 |
| up to 3 years | 8.99% | $20.75 |
*Annual Percentage Rate. Rates effective 8/19/24.
Merit based pricing in effect; your actual rate may vary based on your credit score and account relationship.
| Primary Home-First Mortgage | |||
|---|---|---|---|
| Rate | APR* | Cost Per $1000 | |
| 3 Year ARM | 5.24% | 5.28% | $5.53¹ |
| 5 Year ARM | 5.74% | 5.78% | $5.84² |
| 15 Year Fixed | 5.50% | 5.56% | $8.19³ |
| 30 Year Fixed | 6.00% | 6.04% | $8.46⁴ |
*Annual Percentage Rate. APR includes $399 in origination costs. Estimated closing costs of $800 and may be financed. Rates effective 8/19/24.
1Monthly payment is based on payment per $1,000 for term and rate shown above. Monthly payment example on $100,000.00, 30-year amortization results in 36 payments of $551.79 and a remaining balance of $96,074.77. Payments do not include taxes and insurance. APR is based on <= 80% loan to value. Terms up to 30 years. First mortgage rates available for 80.01 – 90% loan to value. 2Monthly payment is based on payment per $1,000 for term and rate shown above. Monthly payment example on $100,000.00, 30-year amortization results in 60 payments of $583.17 and a remaining balance of $93,334.41. Payments do not include taxes and insurance. APR is based on <= 80% loan to value. Terms up to 30 years. First mortgage rates available for 80.01 – 90% loan to value. 3Monthly payment example on $100,000.00, 15-year amortization results in 179 payments of $819.91 and a final payment of $819.87. Payment examples do not include taxes and insurance premiums. APR is based on <= 90% loan to value. For limited cash out refinance or purchase. 4Monthly payment is based on payment per $1,000 for term and rate shown above. Monthly payment example on $100,000.00, 30-year amortization results in 359 payments of $599.80 and a final payment of $690.16. Payment examples do not include taxes and insurance premiums. APR is based on <= 90% loan to value and include $399.00 in origination costs. For limited cash out refinance or purchase.
| Construction Loans | ||
|---|---|---|
| APR* as low as | Cost Per $1000 | |
| 6 Month Term | 5.99% | Call for Details |
| Home Project Loans | ||
| APR* as low as | Cost Per $1000 | |
| 84 Months | 7.49% | Call for Details |
*Annual Percentage Rate. Rates effective 8/19/24.
APR is based on <=90% loan to value. Requires monthly interest payments. Contact a loan officer for more details.
| Vacation Home-First Mortgage | ||
|---|---|---|
| APR* as low as | Cost Per $1000 | |
| 3 Year ARM | 5.99% | Call for Details |
| 5 Year ARM | 6.49% | Call for Details |
| 15 Year Fixed | Call for Rates | N/A |
| 30 Year Fixed | Call for Rates | N/A |
*Annual Percentage Rate. Rates effective 8/19/24.
APR is based on <= 80% loan to value. Terms up to 30 years. First mortgage rates available for 80.01 – 90% loan to value. Estimated closing costs of $800 and may be financed. Contact a loan officer for more details. For lowest rates, checking with direct deposit and automatic payments required at Evergreen Credit Union.
| Home Equity Line of Credit (HELOC) | ||
|---|---|---|
| APR* | Cost Per $1000 | |
| up to 80% loan to value | 8.50% | Call for Details |
| 80.01 to 90% loan to value | 9.50% | Call for Details |
*Annual Percentage Rate. Rates effective 8/19/24.
The APR is a variable rate based on the highest Prime Rate published in the Wall Street Journal “Money Rates” table on the last day of each quarter. For loans with 80.01-90% loan to value the APR is the Prime Rate +1%. Maximum APR is 11.75% Minimum APR is 3.25%. Estimated closing costs of $117-$500 and may be financed. The minimum monthly payment is the greater of $50 or 1% of the outstanding balance as of the date of your last advance. Primary residences only. Contact a loan officer for more details. Consult your tax adviser for information on tax deductibility.
| Lot or Land Loans-First Mortgage | |||
|---|---|---|---|
| APR* as low as | Cost Per $1000 | ||
| 3 Year ARM | 5.74% | $5.84¹ | |
*Annual Percentage Rate. Rates effective 8/19/24.
1Monthly payment is based on payment per $1,000 for term and rate shown above. Payments do not include taxes and insurance.
APR is based on a loan to value less than 80%. Terms up to 30 years on loans greater than $50,000. Other affordable terms apply. For lowest rates, checking with direct deposit and automatic payments required at Evergreen Credit Union. Contact a loan officer for details.
| Signature Loans | ||
|---|---|---|
| APR* as low as | Cost Per $1000 | |
| single payment up to 6 months | 12.99% | Call for Details |
| 3 Year Term | 10.49% | $32.47 |
*Annual Percentage Rate
Merit based pricing in effect; your actual rate may vary based on your credit score and account relationship.
| Solar Loans | ||
|---|---|---|
| APR* as low as | Cost Per $1000 | |
| Up to 5 years | 6.99% | $19.80 |
*Annual Percentage Rate
Merit based price in effect; actual rate may vary based on your credit score. Terms up to 10 years. $20,000 maximum loan. Solar projects on primary home only. No equity required. Some restrictions apply.
| Shared Secured | ||
|---|---|---|
| APR* as low as | Cost Per $1000 | |
| up to 3 years | 4.00% above Seed Savings | $29.59 |
| up to CD maturity | 4.00% above CD Rate | Call for Details |
*Annual Percentage Rate.
No credit check required.
| Personal Line of Credit | ||
|---|---|---|
| APR* as low as | Cost Per $1000 | |
| Kwik Cash | 12.90% | Call for Details |
| Overdraft Protection | 12.90% | Call for Details |
*Annual Percentage Rate
Minimum monthly payment is the greater of the $15.00 or $3.00 for each $100 principal loan balance as the date of the more recent advance.
| Platinum MasterCard | ||
|---|---|---|
| APR* as low as | Cost Per $1000 | |
| Platinum MasterCard | 9.90% | Call for Details |
| 6 Month Balance Transfer | 5.99% | Call for Details |
*APR=Annual Percentage Rate.
APR range between 9.90% and 16.90% based on credit worthiness; your actual rate will be disclosed at time of approval. Minimum monthly payment of $20.00 or 3% of the outstanding balance, whichever is greater. No annual fee charged. Transfer your balances today with no balance transfer fee. Minimum of $100 must be transferred. Contact a loan officer for more details at (920)729-2999.
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