Evergreen Credit Union provides great loan rates for you to invest in the the things you love, like your next ATV to take through the mud.

Loan rates you want.

Loan Rates

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!

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Vehicle Loan Rates

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Vehicles, Boats & Campers

Vehicles, Boats & Campers
2018 & newer APR* as low as Cost Per $1000
up to 5 years 2.24% $17.64
up to 6 years 2.74% $15.08
up to 7 years** 3.24% $13.33
2015-2017 APR* as low as Cost Per $1000
up to 5 years 2.49% $17.75
2011-2014 APR* as low as Cost Per $1000
up to 4 years 3.99% $22.58
2010 & older APR* as low as Cost Per $1000
up to 3 years 4.99% $29.97

*Annual Percentage Rate. Rates effective 1/7/2021.

**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.

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Balloon Rates for Boats, Motor Homes, & Extendable Trailers

Balloon Rates for Boats, Motor Homes, & Extendable Trailers
2016 & newer APR* as low as Cost Per $1000
3 year balloon 2.99% $6.09¹
2011-2015 APR* as low as Cost Per $1000
3 year balloon 3.49% $7.14²
2010-Older APR* as low as Cost Per $1000
3 year balloon 4.99% $7.90³

*Annual Percentage Rate. Rates effective 4/21/20.

1Monthly payment on $50,000.00, 180-month amortization results in 35 payments of $345.05 and a final payment of $42,046.88.
2Monthly payment on $50,000.00, 180-month amortization results in 35 payments of $357.19 and a final payment of $42,325.92.
³Monthly payment on $50,000.00, 180-month amortization results in 35 payments of $395.12 and a final payment of $43,131.86.

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. 2010 and Older Balloon rates as low as 4.99% for 36 months. Contact a loan officer for more details.

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Recreational

Recreational
2018 & Newer APR* as low as Cost Per $1000
up to 5 years 3.24% $18.08
2015-2017 APR* as low as Cost Per $1000
up to 5 years 3.49% $18.19
2011-2014 APR* as low as Cost Per $1000
up to 4 years 4.74% $22.92
2010 & older APR* as low as Cost Per $1000
up to 3 years 8.49% $31.56

*Annual Percentage Rate. Rates effective 4/21/20.

Merit based pricing in effect; your actual rate may vary based on your credit score and account relationship.

Home Loan Rates

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Primary Home-First Mortgage

Primary Home-First Mortgage
APR* as low as Cost Per $1000
3 Year ARM 2.74% $4.08¹
5 Year ARM 2.99% $4.21²
15 Year Fixed Call for Rates N/A
30 Year Fixed Call for Rates N/A

*Annual Percentage Rate. Rates effective 4/21/20.

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 $407.75 and a final payment of $93,277.59. Payments do not include taxes and insurance.
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 $421.11 and a final payment of $88,890.45. 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. 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.

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Construction Loans

Construction Loans
APR* as low as Cost Per $1000
6 Month Term 4.24% Call for Details

*Annual Percentage Rate. Rates effective 2/25/20.

APR is based on <=90% loan to value. Requires monthly interest payments. Contact a loan officer for more details.

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Home Equity & Vacation Home-First Mortgages

Construction Loans
APR* as low as Cost Per $1000
6 Month Term 4.24% Call for Details

*Annual Percentage Rate. Rates effective 2/25/20.

APR is based on <=90% loan to value. Requires monthly interest payments. Contact a loan officer for more details.

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Home Equity Line of Credit (HELOC)

Home Equity Line of Credit (HELOC)
APR* Cost Per $1000
up to 80% loan to value 3.25% Call for Details
80.01 to 90% loan to value 4.25% Call for Details

*Annual Percentage Rate. Rates effective 3/17/20.

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.

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Lot or Land Loans-First Mortgage

Lot or Land Loans-First Mortgage
APR* as low as Cost Per $1000
3 Year ARM 3.49% $4.48¹

*Annual Percentage Rate. Rates effective 4/21/20.

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 $448.54 and a final payment of $94,025.72. 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.

Personal Loan Rates

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Signature Loans

Signature Loans
APR* as low as Cost Per $1000
single payment up to 6 months 12.99% Call for Details
up to 5 years 9.99% $21.24

*Annual Percentage Rate

Merit based pricing in effect; your actual rate may vary based on your credit score and account relationship.

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Solar Loans

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.

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Shared Secured

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.

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Personal Line of Credit

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.

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Platinum MasterCard

Platinum MasterCard
APR* as low as Cost Per $1000
Platinum MasterCard 9.90% Call for Details

*APR=Annual Percentage Rate.

APR range between 9.90% and 16.99% 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. Contact a loan officer for more details.