Unlock your home’s financial potential
Put the equity you’ve worked to build into cash for practically any personal use.
Featured Rate
Home Equity Lines of Credit currently
- 6.50%
- APR1
- Annual Percentage Rate
- APR1
A HELOC is smart money. Here's why:
- As the value of your home increases, so does your equity
- Low rate of Prime – 1.00% (view current rate) for life of line1
- Access funds 24/7 when you need. Flexible repayment options
- NO annual fee
- Paydown high interest debt, such as a credit card or personal loan
- Use for home improvements, education, vacation, or emergencies
Already have an Evergreen HELOC? Access funds quickly:
Access via Online Banking
- Log into Online Banking
- Select “Transfer/Payment”
- Under “Make a Transfer”, select the “coming from” and “going to” accounts
- Enter Amount
- Select “Send Now, Scheduled Transfer, or Repeating Transfer” option
- Enter Memo (optional)
- Click “Transfer Now”
Access via Mobile Banking
- Log into Mobile Banking
- Select “Transfer”
- Select “from account” and “to account”
- Enter Amount
- Select option to “Send Now or Scheduled Transfer”
- Click “Submit”
- Competitive financing for short-term or one-time needs
- Existing equity in your home is used as collateral backing
- Accommodating repayment terms
- Interest paid might be tax deductible2
- Insurance options to protect your loan
- Fast decision-making and local servicing
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1APR = Annual Percentage Rate. APR is adjusted monthly and based on the Wall Street Journal Prime. Max APR is 18%. Minimum floor rate = 4.50% APR. Property insurance is required. A $275 fee will be processed for all closed home equity loans and lines of credit.
2Consult a tax advisor.
Our NMLS# is 665447.
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 | 6.24% | $44.43 |
| Up to 36 months | Up to 100% financing | 6.49% | $30.64 |
| Up to 48 months | Up to 100% financing | 6.49% | $23.71 |
| Up to 60 months | Up to 100% financing | 6.74% | $19.68 |
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 | 0.70% | 0.70% |
| $50,000 - $99.999.99 | 1.89% | 1.90% |
| $100,000 - $249,999.99 | 2.08% | 2.10% |
| $250,000 or more | 3.06% | 3.10% |
Minimum to open & earn dividends is $2,500.00.
APEX Ultimate Insured Business Money Market (Up to $1 Million)
| Deposit | Dividend Rate | APY |
|---|---|---|
| $2,500 - $24,999.99 | 0.50% | 0.50% |
| $25,000 - $49,999.99 | 0.70% | 0.70% |
| $50,000 - $99,999.99 | 1.89% | 1.90% |
| $100,000 - $249,999.99 | 2.08% | 2.10% |
| $250,000 or more | 2.86% | 2.90% |
NCUA's standard coverage insures members' accounts up to $250,000. Then, Qualifying Accounts1 exceeding the maximum level of coverage provided by NCUA are also insured up to an additional $750,000 by Excess Share Insurance.
Minimum to open & earn dividends is $2,500.00.
1Only Accounts coded with Excess Share Insurance are eligible for this level of added savings protection. Please reach out to an Evergreen representative for details.
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 | 5.99% | $19.33 |
| Up to 84 months | Up to 100% financing | 6.49% | $14.84 |
| Up to 120 months | Up to 100% financing | 6.99% | $11.61 |
| Up to 144 months | Up to 100% financing | 7.24% | $10.41 |
| Up to 180 months | Up to 100% financing | 7.49% | $9.26 |
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% | 6.50% | $19.57 |
| Up to 60 months | 85% | 7.00% | $19.80 |
| Up to 120 months | 80% | 6.75% | $11.48 |
| Up to 180 months | 80% | 7.00% | $8.99 |
| Home Equity Line of Credit5 | Up to 80% loan-to-value | 6.50% | n/a |
5 APR is adjusted monthly and based on the Wall Street Journal Prime. Max APR is 18%. Minimum floor rate = 4.50% APR. Property insurance is required. A $275 fee will be processed for all closed home equity loans and lines of credit.
Home Improvement Loans
| Loan Type | Maximum Financing | APR as low as* | Payment per $1,000 |
|---|---|---|---|
| Home Improvement Loans6 | $20,000, up to 72 months | 10.24%* | $18.65 |
6 Rates reflect relationship loan discount pricing.
* Not all applicants will qualify for the lowest rate.
IRA Certificates
| Term | Dividend Rate | APY |
|---|---|---|
| 6 months1 | 3.97% | 4.05% |
| 12 months2 | 3.83% | 3.90% |
| 24 months3 | 3.11% | 3.15% |
| 36 months4 | 3.20% | 3.25% |
| 48 months4 | 3.30% | 3.35% |
| 60 months4 | 3.40% | 3.45% |
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 | 0.70% | 0.70% |
| $50,000 - $99,999.99 | 1.89% | 1.90% |
| $100,000 - $249,999.99 | 2.08% | 2.10% |
| $250,000 or more | 3.06% | 3.10% |
| 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 | 4.99% | $43.87 |
| Up to 48 months | Up to 110% financing | 5.49% | $23.25 |
| Up to 60 months | Up to 110% financing | 5.99% | $19.33 |
| Up to 72 months | Up to 110% financing | 6.74% | $16.92 |
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 | $15,000 | Up to 48 months | As low as 11.24%* | $25.96 |
| Debt Consolidation Loan2 | $25,000 | Up to 48 months | As low as 12.74%* | $26.70 |
| 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 Protection4 | $2,500 | Revolving | 11.99% | n/a |
| TAP Personal Line of Credit4,5 | $5,000 | 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 Late Payment Fee: $10.00 will be charged to Your Account if You are 16 or more day(s) late in making a payment.
Returned Payment Fee: $10.00 will be charged to Your Share Account if Your payment is returned for any reason.
Advances: Advances will be granted in increments of $100.00.
Minimum Payment: 3.00% of the monthly outstand balance or $50.00, whichever is greater. However, Your minimum payment will never exceed Your outstanding balance.
5 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 | 2.96% | 3.00% |
| 6 months1 | 3.97% | 4.05% |
| 12 months2 | 3.83% | 3.90% |
| 24 months3 | 3.11% | 3.15% |
| 36 months4 | 3.20% | 3.25% |
| 48 months4 | 3.30% | 3.35% |
| 60 months4 | 3.40% | 3.45% |
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 | 5.49% | $44.09 |
| Up to 48 months | Up to 110% financing | 5.99% | $23.48 |
| Up to 60 months | Up to 110% financing | 5.99% | $19.33 |
| Up to 72 Months | Up to 110% financing | 6.74% | $16.92 |
| Up to 84 Months | Up to 110% financing | 7.74% | $15.46 |
Rates reflect relationship loan discount pricing.
* Not all applicants will qualify for the lowest rate.
Ultimate Insured Money Market (Up to $1 Million)
| Deposit | Dividend Rate | APY |
|---|---|---|
| $2,500 - $14,999.99 | 0.50% | 0.50% |
| $15,000 - $49,999.99 | 0.70% | 0.70% |
| $50,000 - $99,999.99 | 1.89% | 1.90% |
| $100,000 - $249,999.99 | 2.08% | 2.10% |
| $250,000 or more | 2.86% | 2.90% |
NCUA's standard coverage insures members' accounts up to $250,000. Then, Qualifying Accounts1 exceeding the maximum level of coverage provided by NCUA are also insured up to an additional $750,000 by Excess Share Insurance.
Minimum to open & earn dividends is $2,500.00.
1Only Accounts coded with Excess Share Insurance are eligible for this level of added savings protection. Please reach out to an Evergreen representative for details.
Ultimate Insured Share Certificate - 12 Mo. (Up to $1 Million)
| Deposit | Dividend Rate | APY |
|---|---|---|
| $250,000 | 3.64% | 3.70% |
NCUA's standard coverage insures members' accounts up to $250,000. Then, Qualifying Accounts1 exceeding the maximum level of coverage provided by NCUA are also insured up to an additional $750,000 by Excess Share Insurance.
1Only Accounts coded with Excess Share Insurance are eligible for this level of added savings protection. Please reach out to an Evergreen representative for details.
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 | 4.24% | $43.53 |
| Up to 48 months | Up to 110% financing | 4.49% | $22.80 |
| Up to 60 months | Up to 110% financing | 4.49% | $18.64 |
| Up to 72 months | Up to 110% financing | 5.24% | $15.87 |
| Up to 84 months | Up to 100% financing | 5.99% | $14.60 |
Rates reflect relationship loan discount pricing.
* Financing options may vary based on vehicle mileage.
** Not all applicants will qualify for the lowest rate.
