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 | ||
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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 | 6.24% | $23.61 |
up to 5 years | 6.49% | $19.57 |
up to 6 years | 6.74% | $16.93 |
up to 7 years** | 7.74% | $15.47 |
2018-2020 | APR* as low as | Cost Per $1000 |
up to 5 years | 6.74% | $19.69 |
2014-2017 | APR* as low as | Cost Per $1000 |
up to 4 years | 7.49% | $24.18 |
2013 & older | APR* as low as | Cost Per $1000 |
up to 3 years | 8.49% | $31.57 |
*Annual Percentage Rate. Rates effective 1/2/24.
**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 | ||
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2019 & newer | APR* as low as | Cost Per $1000 |
3 year balloon | 6.74% | $8.85¹ |
2014-2018 | APR* as low as | Cost Per $1000 |
3 year balloon | 7.74% | $9.41² |
2013 & Older | APR* as low as | Cost Per $1000 |
3 year balloon | 8.24% | $9.70³ |
*Annual Percentage Rate. Rates effective 1/2/24.
1Monthly payment on $50,000.00, 180-month amortization results in 35 payments of $442.36 and a final payment of $44,029.06.
2Monthly payment on $50,000.00, 180-month amortization results in 35 payments of $470.58 and a final payment of $44,504.98.
³Monthly payment on $50,000.00, 180-month amortization results in 35 payments of $485.02 and a final payment of $44,735.39.
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 | ||
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2021 & Newer | APR* as low as | Cost Per $1000 |
up to 5 years | 6.74% | $19.69 |
2018-2020 | APR* as low as | Cost Per $1000 |
up to 5 years | 7.24% | $19.93 |
2014-2017 | APR* as low as | Cost Per $1000 |
up to 4 years | 8.24% | $24.54 |
2013 & older | APR* as low as | Cost Per $1000 |
up to 3 years | 9.24% | $31.93 |
*Annual Percentage Rate. Rates effective 1/2/24.
Merit based pricing in effect; your actual rate may vary based on your credit score and account relationship.
Primary Home-First Mortgage | |||
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Rate | APR* | Cost Per $1000 | |
3 Year ARM | 6.24% | 6.276% | $6.16¹ |
5 Year ARM | 6.74% | 6.776% | $6.49² |
15 Year Fixed | 6.00% | 6.066% | $8.44³ |
30 Year Fixed | 6.50% | 6.536% | $6.32⁴ |
$249 Appraisal Fee through March 1st
*Annual Percentage Rate. APR includes $399 in origination costs. Estimated closing costs of $800 and may be financed. Rates effective 2/16/24.
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 $615.28 and a remaining balance of $96,352.82. 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 $648.17 and a remaining balance of $93,440.54. 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 is based on payment per $1,000 for term and rate shown above. Monthly payment example on $100,000.00, 15-year amortization results in 179 payments of $843.86 and a final payment of $842.86. 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 $632.07 and a final payment of $629.85. 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.
Construction Loans | ||
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APR* as low as | Cost Per $1000 | |
6 Month Term | 6.49% | 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 10/3/23.
APR is based on <=90% loan to value. Requires monthly interest payments. Contact a loan officer for more details.
Vacation Home-First Mortgage | ||
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APR* as low as | Cost Per $1000 | |
3 Year ARM | 6.99% | Call for Details |
5 Year ARM | 7.24% | Call for Details |
15 Year Fixed | Call for Rates | N/A |
30 Year Fixed | Call for Rates | N/A |
*Annual Percentage Rate. Rates effective 10/3/23.
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) | ||
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APR* | Cost Per $1000 | |
up to 80% loan to value | 8.50% | Call for Details |
80.01 to 90% loan to value | 9.50% | Call for Details |
*Annual Percentage Rate. Rates effective 10/3/23.
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 | |||
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APR* as low as | Cost Per $1000 | ||
3 Year ARM | 6.24% | $6.16¹ |
*Annual Percentage Rate. Rates effective 10/3/23.
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 | ||
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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.
Solar Loans | ||
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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 | ||
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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 | ||
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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 | ||
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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.