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! Apply today!
| Vehicles, Boats & Campers | |
|---|---|
| 2016 & newer | APR* as low as |
| up to 5 years | 3.49% |
| up to 6 years | 3.74% |
| up to 7 years** | 4.99% |
| 2013-2015 | APR* as low as |
| up to 5 years | 3.74% |
| 2009-2012 | APR* as low as |
| up to 4 years | 4.74% |
| 2008 & older | APR* as low as |
| up to 3 years | 7.99% |
*Annual Percentage Rate
**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 | |
|---|---|
| 2014 & newer | APR* as low as |
| 3 year balloon | 4.99% |
| 2013 & older | APR* as low as |
| 3 year balloon | 5.99% |
*Annual Percentage Rate
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 | |
|---|---|
| 2016 & Newer | APR* as low as |
| up to 5 years | 3.74% |
| 2013-2015 | APR* as low as |
| up to 5 years | 3.99% |
| 2009-2012 | APR* as low as |
| up to 4 years | 5.24% |
| 2008 & older | APR* as low as |
| up to 3 years | 8.99% |
*Annual Percentage Rate
Merit based pricing in effect; your actual rate may vary based on your credit score and account relationship.
| Primary Home-First Mortgage | |
|---|---|
| APR* as low as | |
| 3 Year ARM | 3.74% |
| 5 Year ARM | 4.24% |
*Annual Percentage Rate
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. Rates current as of December 1st, 2018.
| Construction Loans | |
|---|---|
| APR* as low as | |
| 6 Month Term | 4.24% |
*Annual Percentage Rate
APR is based on <=90% loan to value. Requires monthly interest payments. Contact a loan officer for more details.
| Home Equity & Vacation Home-First Mortgages | |
|---|---|
| APR* as low as | |
| 3 Year ARM | 4.24% |
| 5 Year ARM | 4.74% |
*Annual Percentage Rate
APR is based on an 80% or less loan to value on your primary residence. For lowest rates, checking with direct deposit and automatic payments required at Evergreen Credit Union. See a loan officer for rates on loans 80.01%-90%. Closing costs range $117-$800 and may be financed. Other costs may apply. Proof of insurance is required prior to closing. See a loan officer for more details!
| Home Equity Line of Credit (HELOC) | |
|---|---|
| APR* | |
| up to 80% loan to value | 5.00% |
| 80.01 to 90% loan to value | 6.00% |
*Annual Percentage Rate
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 | |
| 3 Year ARM | 4.24% |
*Annual Percentage Rate
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 | |
| single payment up to 6 months | 12.99% |
| up to 5 years | 9.99% |
*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 | |
| Up to 5 years | 6.99% |
*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 | |
| up to 3 years | 4.00% above Seed Savings |
| up to CD maturity | 4.00% above CD Rate |
*Annual Percentage Rate.
No credit check required.
| Personal Line of Credit | |
|---|---|
| APR* as low as | |
| Kwik Cash | 12.90% |
| Overdraft Protection | 12.90% |
*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 | |
| Platinum MasterCard | 11.90% |
*APR=Annual Percentage Rate.
Minimum monthly payment of $20.00 or 3% of the outstanding balance, whichever is greater. No annual fee charged when direct deposit is established with Evergreen Credit Union. Transfer your balances today. Contact a loan officer for more details.
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