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Home Equity

Many Loan Options

Mortgage Options

Home Equity 

  • Before rates increase
  • NO closing costs
  • New or refinance
  • Local decisions
  • Payoff your 1st or 2nd mortgage
  • Payoff an equity line of credit
  • Access equity for cash

Home Improvement (Unsecured)

  • Loan up to $20,000.
  • Term up to 96 months

Loan rate discounts with breeze rewards checking

BonusBucks cash rewards available

(207) 221-5000

Eco-Friendly Financing

Rate reduced additional 0.50% for improvements that reduce energy consumption, including heating or cooling systems, weatherization, solar or wind installations, and fuel assistance. Do You Qualify?    

Learn More

Earn a Cash Bonus each and every time you refer a family member or friend to Evergreen!3

1  APR - Annual Percentage Rate as of 4/20/17. Rates subject to change without notice.  80% loan-to-value on primary residence / owner-occupied properties.  60% loan-to-value on second and vacation homes.  Not available on condominiums. Property hazard insurance is required.  Estimated monthly payment:  5 year loan at 3.49% = $18.19 per $1,000, 15 year loan at 4.99% = $7.90 per $1,000.  

2  Not available on 1st lien position.

3Available to ECU members in good standing. This offer subject to change without notice. Offer not available on refinance of an existing ECU loan.

Home Equity Loans & Lines


  • Competitively low rates for several short-term or one-time needs
  • Existing equity in your home is used for collateral backing
  • Interest paid might be tax deductible**
  • Flexible terms with fast, local service
  • Customizable repayment plans
  • Fast, friendly local decision making and processing
  • NMLS#: 665447

Lines of Credit 

  • Competitively low rates (currently 4.00% APR*)
  • Apply once, and then reuse thereafter as needs arise
  • Use existing equity in your home
  • Interest paid might be tax deductible**
  • Repayment plan options
  • Fast, friendly and local decision making and processing
  • NMLS#: 665447

* APR - Annual Percentage Rate

**Consult a tax advisor.

Insurance Protection

Insure your loan* for additional protection. We've partnered with trusted companies to provide our members with a variety of options:

*The insurance products are not a deposit or other obligation of, or guaranteed by Evergreen Credit Union.

The insurance is not insured by the National Credit Union Association (NCUA) or any other agency of the United States or Evergreen Credit Union.

The Credit Union may not condition an extension of credit on either the consumer's purchase of an insurance product from the credit union or the consumer's agreement not to obtain, or a prohibition on the consumer from obtaining an insurance product from an unaffiliated entity.