Rates

Rates effective as of 3/27/2017. APY = Annual Percentage Yield.
Fees may reduce earnings. All rates subject to change without notice.

Share Savings
Business Share Draft (Checking)
Money Markets
Term Certificates (CDs)
IRA Certificates
Vehicle Loans
Snowmobiles / ATVs Powered Watercraft
Motorcycles
Boat / Campers / RVs
Personal Loans

Debt Consolidation Loans
CD Secured Loans
EasyCash Loan
Overdraft Protection
TAP Personal Line of Credit
Home Mortgage – Purchase or Refinance
Home Equity Loans - Fixed Rate
Home Equity Line of Credit
Land Loans
Home Improvement Loans

Rate Discounts

Deposit Rates

Share Savings

DepositDividend RateAPY
Shares Savings (for Personal and Business accounts)

$25 minimum deposit for Primary shares only

Dividends will be paid on balances of $25 or greater

0.05% 0.05%
Clubs 0.05% 0.05%
Share Savings (for Personal and Business accounts)

$25 minimum deposit for Primary shares only

Dividend Rate 0.05%
APY 0.05%
Clubs
Dividend Rate 0.05%
APY 0.05%
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Dividend Rate 1.25%
APY 1.25%

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Business Share Draft (Checking)

DepositDividend RateAPY

Dividend Business Checking

Dividends will be paid on balances of $25 or greater

0.10% 0.10%

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Money Markets

DepositDividend RateAPY
$2500 - $14,999.99 0.05% 0.05%
$15,000 - $49,999.99 0.10% 0.10%
> $50,000 0.20% 0.20%
IRA Money Market 0.05% 0.05%

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Term Certificates (CDs) Minimum balance $500

DepositDividend RateAPY
6 Months1 0.35% 0.35%
12 Months2 0.50% 0.50%
24 Months2 0.85% 0.85%
36 Months2 1.04% 1.05%
48 Months2 1.29% 1.30%
60 Months2 1.73% 1.75%

1 Early withdrawal subject to 90 day dividends penalty, whether earned or not.

2 Early withdrawal subject to 180 day dividends penalty, whether earned or not.


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IRA Certificates Minimum balance $500

DepositDividend RateAPY
6 Months1 0.35% 0.35%
12 Months2 0.50% 0.50%
24 Months2 0.85% 0.85%
36 Months2 1.04% 1.05%
48 Months2 1.29% 1.30%
60 Months2 1.73% 1.75%

1 Early withdrawal subject to 90 day dividends penalty, whether earned or not.

2 Early withdrawal subject to 180 day dividends penalty, whether earned or not.


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Loan Rates

Vehicle Loans

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Loan-to-ValueTerms Available (months)As low as APR1Payment per $1,000 Borrowed

Up to 110% financing

Vehicles < 5,000 miles
Up to 48 1.50%2,7 21.48
Up to 60 2.00%2,7 17.53

Up to 100% financing

Vehicles < 5,000 miles

Up to 72 3.24%2,7 15.30
Up to 84 3.74%2,7
13.55

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Snowmobiles / ATVs Powered Watercraft (non-boat)

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Loan-to-ValueTerms Available (months)As low as APR1Payment per $1,000 Borrowed
Up to 100% financing Up to 24 2.99%2 42.98
Up to 48 3.25%2 22.24
Up to 60 4.25%2 18.53

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Motorcycles

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Loan-to-ValueTerms Available (months)As low as APR1Payment per $1,000 Borrowed
Up to 110% financing Up to 24 2.49%2 42.76
Up to 60 2.99%2 17.96

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Boat / Campers / RVs

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Loan-to-ValueTerms Available (months)As low as APR1Payment per $1,000 Borrowed
Up to 100% financing Up to 60 2.99%2 17.96
Up to 84 3.99%2 13.66
Up to 120 4.75%2 10.48
Up to 144 5.25%2 9.37

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Personal Loans

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AmountTerms Available (months)As low as APR1Payment per $1,000 Borrowed
$25,000 Maximum Up to 72 6.99%2 17.04

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Debt Consolidation Loans

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AmountTerms Available (months)As low as APR1Payment per $1,000 Borrowed
Maximum loan $25,0003 Up to 72 11.49%2 19.29

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CD Secured Loans

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RateTerms Available (months)As low as APR1Payment per $1,000 Borrowed
3.00% over the CD Dividend Rate

Up to 60 months 4.73% 18.75

APR and cost per $1,000 dependent on the rate and term of the term certificate used to secure the loan.


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EasyCash Loan

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AmountMax Term (months) APR1Payment per $1,000 Borrowed
$7,500 Max Loan Amount Up to 12 5.99%2 86.06

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Overdraft Protection

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AmountAs low as APR1
$5,000 Maximum Line 16.99%

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TAP Personal Line of Credit

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AmountAs low as APR1

$7,500 Maximum Line

Current APR of Prime + 5% (APR is adjusted monthly and based on the Wall Street Journal Prime.  Max APR is 18%)

8.50%

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Home Mortgage – Purchase or Refinance


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Home Equity Loans - Fixed Rate5

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 Max Term (in months)Loan-to-valueAs Low As APR1Payment per $1,000 Borrowed
Up to 60 90% 3.49% 18.19
Up to 120 85% 3.99% 10.12
Up to 180 80% 4.99% 7.90

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Home Equity Line of Credit5

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RateAPR1
Max. LTV 80%

Current APR of Prime + 0%. (APR is adjusted monthly and based on the Wall Street Journal Prime. Max APR is 18%)

4.00%4

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Land Loans6

Loan-to-value

Up to 60% financing

Up to 144 Months Please contact Member Services for rates

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Home Improvement Loans

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AmountMax Term (in months)APR1Payment per $1,000 Borrowed
$25,000 Maximum Loan Amount Up to 96 6.24%2,7 13.26

1 APR - Annual Percentage Rate.  Not all applicants will qualify for the lowest rate.  Rate may be based on credit score, term, mileage, year, and LTV.  

2 Rates reflect relationship loan discount pricing.  

3 Maximum of 50% of non-Evergreen Credit Union debt may be consolidated.

4 Minimum floor rate = 3.25%

5 Property valuation or appraisal closing costs may range from $175-625 (depending on property type).

6 Closing costs may range from $1,500-2,500.

7 Reflects Eco-Friendly qualified loan discount


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