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 | ||
|---|---|---|
| 2019 & newer | APR* as low as | Cost Per $1000 |
| up to 5 years | 4.49% | $18.65 |
| up to 6 years | 4.49% | $15.88 |
| up to 7 years** | 5.49% | $14.38 |
| 2016-2018 | APR* as low as | Cost Per $1000 |
| up to 5 years | 4.74% | $18.76 |
| 2012-2015 | APR* as low as | Cost Per $1000 |
| up to 4 years | 5.74% | $23.37 |
| 2011 & older | APR* as low as | Cost Per $1000 |
| up to 3 years | 6.99% | $30.88 |
*Annual Percentage Rate. Rates effective 10/25/2022.
**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 | ||
|---|---|---|
| 2017 & newer | APR* as low as | Cost Per $1000 |
| 3 year balloon | 5.24% | $8.04¹ |
| 2012-2016 | APR* as low as | Cost Per $1000 |
| 3 year balloon | 6.49% | $8.71² |
| 2011-Older | APR* as low as | Cost Per $1000 |
| 3 year balloon | 6.99% | $8.99³ |
*Annual Percentage Rate. Rates effective 10/25/22.
1Monthly payment on $50,000.00, 180-month amortization results in 35 payments of $401.73 and a final payment of $43,267.91.
2Monthly payment on $50,000.00, 180-month amortization results in 35 payments of $435.34 and a final payment of $43,898.56.
³Monthly payment on $50,000.00, 180-month amortization results in 35 payments of $449.20 and a final payment of $44,141.44.
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 | ||
|---|---|---|
| 2019 & Newer | APR* as low as | Cost Per $1000 |
| up to 5 years | 4.74% | $18.76 |
| 2016-2018 | APR* as low as | Cost Per $1000 |
| up to 5 years | 4.99% | $18.87 |
| 2012-2015 | APR* as low as | Cost Per $1000 |
| up to 4 years | 6.24% | $23.60 |
| 2011 & older | APR* as low as | Cost Per $1000 |
| up to 3 years | 8.99% | $31.81 |
*Annual Percentage Rate. Rates effective 10/25/22.
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 | Cost Per $1000 | |
| 3 Year ARM | 4.24% | $4.92¹ |
| 5 Year ARM | 5.24% | $5.52² |
| 15 Year Fixed | Call for Rates | N/A |
| 30 Year Fixed | Call for Rates | N/A |
*Annual Percentage Rate. Rates effective 10/25/22.
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 $491.48 and a remaining balance of $90,784.00. 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 $551.74 and a remaining balance of $92,124.00. 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.
| Construction Loans | ||
|---|---|---|
| APR* as low as | Cost Per $1000 | |
| 6 Month Term | 4.49% | 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 10/25/22.
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 | 5.24% | Call for Details |
| 5 Year ARM | 5.74% | Call for Details |
| 15 Year Fixed | Call for Rates | N/A |
| 30 Year Fixed | Call for Rates | N/A |
*Annual Percentage Rate. Rates effective 10/25/22.
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 | 7.00% | Call for Details |
| 80.01 to 90% loan to value | 8.00% | Call for Details |
*Annual Percentage Rate. Rates effective 11/3/22.
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 | 4.24% | $18.53¹ | |
*Annual Percentage Rate. Rates effective 10/25/22.
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 |
| 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.
| 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 |
*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.
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