Borrow for
Your Future
Whether you’re looking to purchase a home, a vehicle, or want to dive head first into your next project, we have the loan for you and your lifestyle.
- Automatic payments
- Discounts with direct deposit
- Mobile check deposits
- No prepayment 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.
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- Social Security Number
- Driver's License
- Contact Information
- Mother's Maiden Name
- Valid Email Address
Home Loans
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- Social security number
- Employer name
- Phone number
- Annual income amount
Home Loans
We provide first-time buyer home loans, fixed-rate home loans, Federal Housing Administration (FHA) home loans, and Adjustable Rate Mortgages (ARMs).
- Get pre-approved to begin your home search
- Affordable down payment options
- Options to refinance existing mortgage
- Competitive closing costs
- Convenient automatic payment options
- Dedicated, knowledgeable home loan specialists
If you have any questions or would like more information, we invite you to call our loan team, email us, or stop by today!
Evergreen Credit Union NMLS #483254. For specific loan officer NMLS numbers click here.
Construction Loans
- Finance up to 90% of the property and home value
- Six-month loan term
- Competitive low rates
- Low closing costs
- Interest-only payments during construction
- Convert to a permanent loan when construction is complete
- Dedicated, knowledgeable construction loan specialists
If you have any questions or would like more information, we invite you to call our loan team, email us, or stop by today!
Evergreen Credit Union NMLS #483254. For specific loan officer NMLS numbers click here.
Lot/Land Loans
- Finance up to 90% of the value
- Terms up to 15 years for an affordable monthly payment
- Easy application and closing process
- Convenient automatic payment options
- Dedicated, knowledgeable loan specialists
If you have any questions or would like more information, we invite you to call our loan team, email us, or stop by today!
Evergreen Credit Union NMLS #483254. For specific loan officer NMLS numbers click here.
Vacation Home Loans
We provide fixed-rate loans with terms for 10, 15, 20, or 30 years and Adjustable-Rate Mortgages (ARMs) for 2nd properties.
- Affordable down payment options
- Low closing costs
- Affordable monthly payments
- Convenient automatic payments options
- Dedicated, knowledgeable vacation home loan specialists
If you have any questions or would like more information, we invite you to call our loan team, email us, or stop by today!
Evergreen Credit Union NMLS #483254. For specific loan officer NMLS numbers click here.
Home Project Loans
We provide D.I.Y. friendly Home Project Loans.
- Available for any upgrade after you have purchased your home
- Terms up to 84 months so you can complete at own pace
- Affordable monthly payments
- Convenient automatic payments options
- Dedicated, knowledgeable home loan specialists
If you have any questions or would like more information, we invite you to call our loan team, email us, or stop by today!
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 |
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*Annual Percentage Rate. APR includes $399 in origination costs. Estimated closing costs of $800 and may be financed. 1 Monthly 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. 2 Monthly 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. 3 Monthly 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. 4 Monthly 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. |
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| APR* as low as | Cost Per $1000 | |
| 6 Month Term | 5.99% | Call for Details |
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*Annual Percentage Rate. APR is based on <=90% loan to value. Requires monthly interest payments. Contact a loan officer for more details. |
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| APR* as low as | Cost Per $1000 | |
| 3 Year ARM | 5.49% | $5.84¹ |
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*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. |
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| APR* as low as | Cost Per $1000 | |
| 3 Year ARM | 5.99% | Call for Details |
| 5 Year ARM | 6.49% | Call for Details |
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*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. |
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