Business checking at its best
Cash back, 250 free items, no monthly fee — experience exactly why this account is called APEX.
Benefits You’ll Love
- Get cash back on debit or credit card transactions
- Earn $0.15 on purchases of $15 or more
- No monthly maintenance fee or minimum balance
- 250 free items per month
Enjoy New Rewards
- Earn $0.15 cash back on debit and/or credit card transactions (signature/credit based) of $15 or more
- ATM fee refunds of up to $15 per calendar month if qualifications are met
Earn rewards during each monthly cycle1 when:
- 15 or more debit and/or credit card transactions (non-PIN) of any amount post to the account
- 1 Online Banking or Mobile Banking login
There is still no minimum balance or monthly fees if you do not meet the monthly qualifications. You can qualify next month!
New, higher debit card limits:
- Daily ATM withdrawals increased from $500 to $1,000
- Daily transaction limits from $5,000 to $7,500
APEX Business Checking Benefits
- No monthly maintenance fees
- No minimum balance requirements
- 250 free items per month, including checks deposited, drafts posted, and ACH debits; $0.15 per item thereafter
- Low fixed-rate credit card
- Earn $50 each time you refer a business, family, or friends to Evergreen2
- No minimum deposit to open
- Free digital banking services:
- Online banking and bill pay
- Mobile banking with deposit3
- e-Statements
- Free Visa® debit card
- Surcharge-free ATMs available
- Shared branching available
- Business services available
1Earning rewards and discounts – If qualifications are met each monthly qualification cycle: (A) $0.15 will be earned on $15 or more APEX debit card and/or APEX Business Credit Card signature transactions (non-PIN) posted during qualification cycle and credited to account by the fifth business day each month; Pending or pre-authorized card transactions do not count toward the 15 required transactions to earn the reward until the month the final transaction posts to the account. ATM transactions are excluded. (B) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $15 and credited to account by the fifth business day each month; Transactions may take one or more banking days from the date transaction was made to post to and settle to an account. ATM transactions do not count towards qualifying debit card transactions. (C) "Monthly Cycle" means a period beginning on the first calendar day of the current statement cycle through the last calendar day of the current statement cycle.
2Terms and conditions apply. New Evergreen CU account holder must meet standard account eligibility requirements, live or work in Cumberland County or York County, ME, or have a relative who is currently a member. The ECU member who refers a new member must be in good standing with Evergreen CU. The current member will receive only one $50 reward, deposited into their primary savings account, per new qualified member who opens a new loan, or new checking account with either one direct deposit or 3 debit card transactions within 30 days. This offer subject to change without notice.
3Data rates may apply.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly dividends earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term Share Certificate can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
1st Time Auto Loans
| Terms Available | Loan-to-Value* | APR as low as** | Payment per $1,000 |
|---|---|---|---|
| Up to 24 months | Up to 100% financing | 4.49% | $43.64 |
| Up to 36 months | Up to 100% financing | 5.24% | $30.08 |
| Up to 48 months | Up to 100% financing | 5.24% | $23.14 |
| Up to 60 months | Up to 100% financing | 5.74% | $19.21 |
Rates reflect relationship loan discount pricing.
* Financing options may vary based on vehicle mileage.
** Not all applicants will qualify for the lowest rate.
Apex Business Money Market
| Deposit | Dividend Rate | APY |
|---|---|---|
| $2,500 - $24,999.99 | 0.50% | 0.50% |
| $25,000 - $49,999.99 | 0.75% | 0.75% |
| $50,000 - $99.999.99 | 1.98% | 2.00% |
| $100,000 - $249,999.99 | 2.28% | 2.30% |
| $250,000 or more | 3.25% | 3.30% |
Minimum to open & earn dividends is $2,500.00.
APEX Ultimate Insured Business Money Market
| Deposit | Dividend Rate | APY |
|---|---|---|
| $2,500 - $24,999.99 | 0.50% | 0.50% |
| $25,000 - $49,999.99 | 0.75% | 0.75% |
| $50,000 - $99,999.99 | 1.98% | 2.00% |
| $100,000 - $249,999.99 | 2.28% | 2.30% |
| $250,000 or more | 3.15% | 3.20% |
Minimum to open & earn dividends is $2,500.00.
Boats / Campers / RVs / Large Tractors
| Terms Available | Loan-to-Value | APR as low as* | Payment per $1,000 |
|---|---|---|---|
| Up to 60 months | Up to 100% financing | 6.99% | $19.80 |
| Up to 84 months | Up to 100% financing | 7.99% | $15.58 |
| Up to 120 months | Up to 100% financing | 8.99% | $12.66 |
| Up to 144 months | Up to 100% financing | 9.24% | $11.52 |
| Up to 180 months | Up to 100% financing | 9.24% | $10.29 |
Rates reflect relationship loan discount pricing.
* Not all applicants will qualify for the lowest rate.
Credit Cards (Fixed Rate)* - Personal & Business
| Card | APR** | Minimum Payment |
|---|---|---|
| SunSelect Credit Card | As low as 8.99% | $25 |
| SunSelect Secured Credit Card | Currently 11.99% | $25 |
| APEX Business Credit Card | As low as 9.99% | $25 |
* Fee Information -
- No Balance Transfer Fee or Annual Fee
- Cash Advance Fee: $5.00 or 3.00% of the amount of each cash advance, whichever is greater (Maximum Fee: $30.00).
- Foreign Transaction Fee: 1.00% of each transaction in U.S. dollars.
- Late Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less.
- Returned Payment Fee: $15.00 or the amount of the required minimum payment, whichever is less.
** Not all applicants will qualify for the lowest rate.
Home Equity Loans/Lines
| Maximum Term / Type | Loan-to-Value | APR | Payment per $1,000 |
|---|---|---|---|
| Up to 60 months | 80% | 6.75% | $19.68 |
| Up to 60 months | 85% | 7.25% | $19.92 |
| Up to 120 months | 80% | 7.25% | $11.74 |
| Up to 180 months | 80% | 7.75% | $9.41 |
| Home Equity Line of Credit5 | Up to 85% loan-to-value | 7.00% | n/a |
5 APR is adjusted monthly and based on the Wall Street Journal Prime. Max APR is 18%. Minimum floor rate = 3.50% APR. Property insurance is required.
Home Improvement Loans
| Loan Type | Maximum Financing | APR as low as* | Payment per $1,000 |
|---|---|---|---|
| Home Improvement Loans6 | $25,000, up to 96 months | 10.24% | $15.30 |
6 Rates reflect relationship loan discount pricing.
* Not all applicants will qualify for the lowest rate.
IRA Certificates
| Term | Dividend Rate | APY |
|---|---|---|
| 6 months1 | 4.21% | 4.30% |
| 12 months2 | 3.97% | 4.05% |
| 24 months3 | 3.01% | 3.05% |
| 36 months4 | 3.06% | 3.10% |
| 48 months4 | 3.15% | 3.20% |
| 60 months4 | 3.25% | 3.30% |
1 Early withdrawal subject to 90 day dividend penalty, whether earned or not.
2 Early withdrawal subject to 180 day dividend penalty, whether earned or not.
3 Early withdrawal subject to 365 day dividend penalty, whether earned or not.
4 Early withdrawal subject to 545 day dividend penalty, whether earned or not.
Fees may reduce earnings.
Money Market
| Deposit | Dividend Rate | APY |
|---|---|---|
| $2,500 - $14,999.99 | 0.50% | 0.50% |
| $15,000 - $49,999.99 | 0.75% | 0.75% |
| $50,000 - $99,999.99 | 1.98% | 2.00% |
| $100,000 - $249,999.99 | 2.28% | 2.30% |
| $250,000 or more | 3.25% | 3.30% |
| IRA Money Market | 0.50% | 0.50% |
Minimum to earn dividends on a Money Market account is $2,500.00.
Motorcycles
| Terms Available | Loan-to-Value | APR as low as* | Payment per $1,000 |
|---|---|---|---|
| Up to 24 months | Up to 110% financing | 5.74% | $44.20 |
| Up to 48 months | Up to 110% financing | 6.24% | $23.60 |
| Up to 60 months | Up to 110% financing | 6.99% | $19.80 |
| Up to 72 months | Up to 110% financing | 7.49% | $17.29 |
Rates reflect relationship loan discount pricing.
* Not all applicants will qualify for the lowest rate.
Personal Loans
| Type | Maximum Amount | Terms Available | APR | Payment per $1,000 |
|---|---|---|---|---|
| Personal Loan1 | $25,000 | Up to 72 months | As low as 11.24%* | $19.16 |
| Debt Consolidation Loan2 | $25,000 | Up to 72 months | As low as 12.24%* | $19.68 |
| CD Secured Loan3 | n/a | Up to 60 months | 3.00% over the CD Dividend Rate | $19.70 |
| EasyCash Loan1 | $7,500 | Up to 12 months | As low as 8.99% | $87.45 |
| Overdraft Protection | $5,000 | Revolving | 11.99% | n/a |
| TAP Personal Line of Credit4 | $7,500 | Revolving | 13.00% | n/a |
1 Rates reflect relationship loan discount pricing.
2 Maximum of 50% of non-Evergreen Credit Union debt may be consolidated.
3 APR and cost per $1,000 dependent on the rate and term of the term certificate used to secure the loan.
4 Current APR of Prime + 5% (APR is adjusted monthly and based on the Wall Street Journal Prime. Max APR is 18%)
* Not all applicants will qualify for the lowest rate.
Share (Savings) Accounts - Personal & Business
| Account | Minimum Opening Deposit | Dividend Rate | APY |
|---|---|---|---|
| Share Savings | $5 | 0.05% | 0.05% |
| Sprout Savings | $5 | 0.05% | 0.05% |
| Secondary Share | $0 | 0.05% | 0.05% |
| Christmas Club Share | $0 | 0.05% | 0.05% |
| Business Share Savings | $5 | 0.05% | 0.05% |
Share Certificates - Personal & Business
| Term | Dividend Rate | APY |
|---|---|---|
| Saver Certificate - 12 Months2 | 3.35% | 3.40% |
| 6 months1 | 4.21% | 4.30% |
| 12 months2 | 3.97% | 4.05% |
| 24 months3 | 3.01% | 3.05% |
| 36 months4 | 3.06% | 3.10% |
| 48 months4 | 3.15% | 3.20% |
| 60 months4 | 3.25% | 3.30% |
1 Early withdrawal subject to 90 day dividend penalty, whether earned or not.
2 Early withdrawal subject to 180 day dividend penalty, whether earned or not.
3 Early withdrawal subject to 365 day dividend penalty, whether earned or not.
4 Early withdrawal subject to 545 day dividend penalty, whether earned or not.
Share Draft (Checking) Accounts
| Account | Minimum to Open | Dividend Rate | APY |
|---|---|---|---|
| Rise High-Yield Checking - Transactions: Less than $750.00 | $25 | 0.05% | 0.05% |
| Rise High-Yield Checking - Transactions: $750 - $1,499.99 (Balances up to $10,000.00) | $25 | 2.96% | 3.00% |
| Rise High-Yield Checking - Transactions:$1,500 or more (Balances up to $10,000.00) | $25 | 5.83% | 6.00% |
| Rise High-Yield Checking - Balances over $10,000.00 | $25 | 0.05% | 0.05% |
Snowmobiles / ATVs / Powered Watercraft (non-boat)
| Terms Available | Loan-to-Value | APR as low as* | Payment per $1,000 |
|---|---|---|---|
| Up to 24 months | Up to 110% financing | 5.99% | $44.32 |
| Up to 48 months | Up to 110% financing | 6.74% | $23.83 |
| Up to 60 months | Up to 110% financing | 6.99% | $19.80 |
| Up to 72 Months | Up to 110% financing | 7.49% | $17.29 |
| Up to 84 Months | Up to 110% financing | 8.49% | $15.83 |
Rates reflect relationship loan discount pricing.
* Not all applicants will qualify for the lowest rate.
Ultimate Insured Money Market
| Deposit | Dividend Rate | APY |
|---|---|---|
| $2,500 - $14,999.99 | 0.50% | 0.50% |
| $15,000 - $49,999.99 | 0.75% | 0.75% |
| $50,000 - $99,999.99 | 1.98% | 2.00% |
| $100,000 - $249,999.99 | 2.28% | 2.30% |
| $250,000 or more | 3.06% | 3.10% |
Minimum to open & earn dividends is $2,500.00.
Ultimate Insured Share Certificate - 12 Months
| Deposit | Dividend Rate | APY |
|---|---|---|
| $250,000 | 3.88% | 3.95% |
2 Early withdrawal subject to 180 day dividend penalty, whether earned or not.
Vehicle Loans
| Terms Available | Loan-to-Value* | APR as low as** | Payment per $1,000 |
|---|---|---|---|
| Up to 24 months | Up to 110% financing | 4.49% | $43.64 |
| Up to 48 months | Up to 110% financing | 5.24% | $23.14 |
| Up to 60 months | Up to 110% financing | 5.24% | $18.98 |
| Up to 72 months | Up to 110% financing | 5.99% | $16.57 |
| Up to 84 months | Up to 100% financing | 7.74% | $15.46 |
Rates reflect relationship loan discount pricing.
* Financing options may vary based on vehicle mileage.
** Not all applicants will qualify for the lowest rate.
