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Loans, Checking & Savings

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.

Auto Loan Rates

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 4.99% $23.03
up to 5 years 4.75%^ $18.76
up to 6 years 5.49% $16.33
up to 7 years** 6.74% $14.97
2018-2020 APR* as low as Cost Per $1000
up to 5 years 5.49% $19.10
2014-2017 APR* as low as Cost Per $1000
up to 4 years 6.24% $23.60
2013 & older APR* as low as Cost Per $1000
up to 3 years 7.24% $30.99

*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. Rates effective 11/14/2024.

2019 & newer APR* as low as Cost Per $1000
3 year balloon 6.24% $8.43¹
2014-2018 APR* as low as Cost Per $1000
3 year balloon 6.99% $8.98²
2013 & Older APR* as low as Cost Per $1000
3 year balloon 7.99% $9.55³

*Annual Percentage Rate. Rates effective 6/20/24.

1Monthly payment on $50,000.00, 180-month amortization results in 35 payments of $421.72 and a final payment of $43,650.27. 2Monthly payment on $50,000.00, 180-month amortization results in 35 payments of $449.20 and a final payment of $44,141.58. ³Monthly payment on $50,000.00, 180-month amortization results in 35 payments of $477.62 and a final payment of $44,610.95.

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. Rates effective 11/14/2024.

2021 & Newer APR* as low as Cost Per $1000
up to 5 years 5.99% $19.33
2018-2020 APR* as low as Cost Per $1000
up to 5 years 6.49% $19.56
2014-2017 APR* as low as Cost Per $1000
up to 4 years 7.49% $24.17
2013 & older APR* as low as Cost Per $1000
up to 3 years 8.99% $31.80

*Annual Percentage Rate.

Merit based pricing in effect; your actual rate may vary based on your credit score and account relationship. Rates effective 11/14/2024.

Home Loans

Rate APR* Cost Per $1000
3 Year ARM 5.24% 6.60% $5.53¹
5 Year ARM 5.49% 6.49% $5.68²
15 Year Fixed 5.75% 5.81% $8.30³
30 Year Fixed 6.25% 6.29% $6.16⁴

*Annual Percentage Rate. APR includes $399 in origination costs. Estimated closing costs of $800 and may be financed. Rates effective 11/14/2024.

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 $567.33 and a remaining balance of $93,016.88. 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 $830.58 and a final payment of $827.89. 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 $615.96 and a final payment of $611.25. 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.

APR* as low as Cost Per $1000
6 Month Term 5.99% Call for Details

*Annual Percentage Rate.

APR is based on <=90% loan to value. Requires monthly interest payments. Contact a loan officer for more details. Rates effective 11/14/2024.

APR* as low as Cost Per $1000
3 Year ARM 5.49% $5.84¹

*Annual Percentage Rate.

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. Rates effective 11/14/2024.

APR* as low as Cost Per $1000
3 Year ARM 5.99% Call for Details
5 Year ARM 6.49% Call for Details

*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 effective 11/14/2024.

Personal 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. Rates effective 11/14/2024.

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. Rates effective 11/14/2024.

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. Rates effective 11/14/2024.

Eco-Friendly Loans

Enjoy a 0.25% discount on Electric and Hybrid Vehicle Loans.

2021 & Newer APR* as low as Cost Per $1000
up to 5 years 5.99% $19.33

*Annual Percentage Rate.

Merit based pricing in effect; your actual rate may vary based on your credit score and account relationship. Rates effective 11/14/2024.

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. Rates effective 11/14/2024.

Home Equity Loans

APR* as low as Cost Per $1000
3 Year ARM 5.99% Call for Details
5 Year ARM 6.49% Call for Details

*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 effective 11/14/2024.

APR* Cost Per $1000
up to 80% loan to value 7.75% Call for Details
80.01 to 90% loan to value 8.75% Call for Details

*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. Rates effective 11/14/2024.

Credit Rates

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. Rates effective 11/14/2024.

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. Rates effective 11/14/2024.

Checking Rates

Account Name/Type Interest Rate APY* Minimum Balance Balance to Earn APY*
Free Checking NANANANA

*Annual Percentage Yield. Rates effective 11/14/2024.

Account Name/Type Interest Rate APY* Minimum Balance Balance to Earn APY*
Monarch Checking 0.10%^0.10%^None Required$400^

*Annual Percentage Yield. Rates effective 11/14/2024.

^Earn dividends by: having a minimum average daily balance of $400, be enrolled in e-Statements, and have one ACH direct deposit into your Monarch Checking monthly.

Account Name/Type Interest Rate APY* Minimum Balance Balance to Earn APY*
Extra Green
Checking Tier 1: up to $10,000***
4.00%4.00%None Required$0.01
Extra Green
Checking Tier 2: $10,000.01 and up
0.01%0.01%$0.01
Extra Green
Checking Tier 3: $0.01 and up
0.01%0.01%$0.01

*Annual Percentage Yield. Rates effective 11/14/2024.

***To earn the interest rate and APY, you must meet all of the following requirements during the calendar month: (a) have a minimum of 14 point of sale purchases using your Evergreen Credit Union debit card that post and clear your Extra Green checking account, (b) have a minimum of one direct deposit post to your Extra Green checking account, (c) have a minimum of one online/mobile banking login, and (d) be enrolled in eStatements. Account balance determines the tier rate used for monthly dividend calculation. If you do not meet all of the requirements during the calendar month, Tier 3 dividend rate and annual percentage yield will apply to the entire balance in the account.

Account Name/Type Interest Rate APY* Minimum Balance Balance to Earn APY*
Evergreen Rewards** NANANANA

*Annual Percentage Yield. Rates effective 11/14/2024.

**To earn 3.00% cash back, you must meet all of the following requirements during the calendar month: (a) have a minimum of fourteen (14) point of sale purchases using your Evergreen Credit Union debit card that post and clear your Evergreen Rewards Checking Account, (b) have a minimum of one direct deposit post to your Evergreen Rewards Checking Account. Transfers between Evergreen Credit Union accounts do not count as a direct deposit, (c) have a minimum of one online/mobile banking login, and (d) be enrolled in eStatements. Cash back bonus of 3% of debit card purchases will be paid out within 5 business days of the following month if all qualifications are met with a maximum bonus of $9 per month.

Savings Rates

Account Name/Type Interest Rate APY* Minimum Balance Balance to Earn APY*
Seed Savings 0.15%0.15%$5.00$100.00

*Annual Percentage Yield. Rates effective 11/14/2024.

Account Name/Type Interest Rate APY* Minimum Balance Balance to Earn APY*
Mistletoe Savings** 0.20%0.20%None Required

*Annual Percentage Yield. Rates effective 11/14/2024.

**Dividend credited to account at maturity. If account is closed before dividend is paid, accrued dividends are forfeited. $5.00 penalty applies on early withdrawals from Mistletoe Savings and Back to School Savings accounts.

Account Name/Type Interest Rate APY* Minimum Balance Balance to Earn APY*
Back to School Savings**  0.20% 0.20% None Required

*Annual Percentage Yield. Rates effective 11/14/2024.

**Dividend credited to account at maturity. If account is closed before dividend is paid, accrued dividends are forfeited. $5.00 penalty applies on early withdrawals from Mistletoe Savings and Back to School Savings accounts.

Account Name/Type Interest Rate APY* Minimum Balance Balance to Earn APY*
Adventure Savings 0.10%0.10%None Required$100.00

*Annual Percentage Yield. Rates effective 11/14/2024.

Account Name/Type Interest Rate APY* Minimum Balance Balance to Earn APY*
Sub Shares 0.10%0.10%None Required$100.00

*Annual Percentage Yield. Rates effective 11/14/2024.

Money Manager

Tier Balance Interest Rate APY* Minimum Balance Balance to Earn APY*
$2,000.00 to $9,999.99 0.45%0.45%$2,000.00$2,000.00
$10,000.00 to $14,999.99 0.60%0.60%$10,000.00
$15,000.00 to $24,999.99 1.25%1.25%$15,000.00
$25,000.00 and up 1.90%1.90%$25,000.00

*Annual Percentage Yield. Rates effective 11/14/2024.

Account balance determines tier rate used for montdly dividend calculation. Balances less than $2000 do not earn dividend. $250 minimum withdrawal. Individual Accounts only. No institutional or commercial deposits accepted.

Tier Balance Interest Rate APY* Minimum Balance Balance to Earn APY*
$50,000.00-$99,999.99 2.00%2.00%$50,000.00$50,000.00
$100,000.00 and up 2.25%2.25%$100,000.00

*Annual Percentage Yield. Rates effective 11/14/2024.

Account balance determines tier rate used for monthly dividend calculation. Balances less than $50,000 do not earn dividend. $500 minimum withdrawal. Individual Accounts only. No institutional or commercial deposits accepted.

Certificates (CDs)

Terms Interest Rate APY* Minimum Balance Balance to Earn APY*
6 months 2.25%2.26%$1,000.00$1,000.00
12 months 4.25%4.30%$1,000.00$1,000.00
24 months 3.75%3.79%$1,000.00$1,000.00
36 months 3.50%3.53%$1,000.00$1,000.00
60 months 3.50%3.53%$5,000.00$5,000.00

*Annual Percentage Yield. Rates effective 11/14/2024.

APY is based upon an assumption that dividends will remain in the account until maturity. Dividends paid semi-annually and at maturity. Early withdrawal penalties may apply.

Terms Interest Rate APY* Minimum Balance Balance to Earn APY*
12 months 4.25%4.30%$25.00$25.00

*Annual Percentage Yield. Rates effective 11/14/2024.

APY is based upon an assumption that dividends will remain in the account until maturity. Dividends paid semi-annually and at maturity. Early withdrawal penalties may apply. Youth Certificates (Sapling Certificates) are available for members 17 and younger to open. Youth Certificates may deposit additional money at any time.

Retirement Accounts (IRAS)

Account Name/Type Interest Rate APY* Minimum Balance Balance to Earn APY*
IRA Savings 0.30%0.30%None Required
12 Month CD 4.25%4.30%$1,000.00$1,000.00
24 Month CD 3.75%3.79%$1,000.00$1,000.00

Annual Percentage Yield. Rates effective 11/14/2024.

APY is based upon an assumption that dividends will remain in the account until maturity. Dividends paid semi-annually and at maturity. Early withdrawal penalties may apply. Individual accounts only. No institutional or commercial deposits accepted.

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