It’s never too early to start fresh
Get your financial health off the ground with an account that’s perfect for everyday money management.
To apply, please visit an Evergreen Financial Service Representative in one of our five branch locations.
Benefits You’ll Love
- No monthly fee (with e-Statements)1
- Includes digital banking and a Visa® debit card
- No monthly maintenance fee or minimum balance
Life happens. It's never too early to start fresh, especially with one's financial wellness. Begin your second chance here with FreshAir Checking - a practical money management tool to restore financial health.
- No monthly fee (with e-Statements)1
- Direct Deposit - May qualify for Early Pay2
- Digital Banking
- Mobile Deposit
- Free Visa® Debit Card
- Free SURF ATMs in Maine
- Free Financial Education
- e-Statements
e-Money Digital Services
- Instant-issue debit card available
- Get loan rate discounts with FreshAir3
- Low Fixed-Rate Credit Card available4
- One free Skip-A-Payment per eligible loan, per calendar year5
- Earn $50 each time you refer family or friends to Evergreen6
- Overdraft protection loan4 available
- Access Surcharge-free ATMs in Maine
- Easily switch your bills and direct deposits to Evergreen
- Free Personal Financial Counseling
- Financial Education Online Tools
1Otherwise the monthly fee is $3.95.
2Early Pay is automatically eligible on all Evergreen deposit accounts. Direct Deposit funds can be received early and up to 2 calendar days prior to scheduled availability. Funds availability may vary depending on the employer’s time of submission to Evergreen CU. Early deposits are not guaranteed, nor can Evergreen assume any liability for direct deposits not made early. All direct deposits originated outside of Evergreen CU are eligible.
3Discount only available on auto, recreation and personal loans.
4Credit qualification is required. Not all applicants will qualify for the lowest rate. Not available to members 17 years old and under.
5Skip-A-Payment – Interest will continue to accrue. To qualify, the loan must be current and in good standing. Not available on Mortgage Loans, Home Equity Loans, or Lines of Credit.
6Terms and conditions apply. New Evergreen CU account holder must meet standard account eligibility requirements, live or work in Cumberland, York, Sagadahoc, Oxford, Androscoggin or Lincoln counties, Maine, 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.
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 (Up to $1 Million)
| 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 | 3.06% | 3.10% |
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 | 6.24% | $19.44 |
| Up to 84 months | Up to 100% financing | 6.99% | $15.09 |
| Up to 120 months | Up to 100% financing | 7.49% | $11.86 |
| Up to 144 months | Up to 100% financing | 7.74% | $10.68 |
| Up to 180 months | Up to 100% financing | 7.74% | $9.41 |
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 | 4.07% | 4.15% |
| 12 months2 | 3.93% | 4.00% |
| 24 months3 | 2.96% | 3.00% |
| 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 | 5.24% | $43.98 |
| Up to 48 months | Up to 110% financing | 5.74% | $23.37 |
| Up to 60 months | Up to 110% financing | 6.24% | $19.44 |
| Up to 72 months | Up to 110% financing | 6.99% | $17.04 |
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 | 3.06% | 3.10% |
| 6 months1 | 4.07% | 4.15% |
| 12 months2 | 3.93% | 4.00% |
| 24 months3 | 2.96% | 3.00% |
| 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 | 5.49% | $44.09 |
| Up to 48 months | Up to 110% financing | 6.24% | $23.60 |
| Up to 60 months | Up to 110% financing | 6.24% | $19.44 |
| Up to 72 Months | Up to 110% financing | 6.99% | $17.04 |
| Up to 84 Months | Up to 110% financing | 7.99% | $15.58 |
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 | 0.75% | 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% |
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 | 3.73% | 3.80% |
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 | 4.49% | $43.64 |
| Up to 48 months | Up to 110% financing | 4.99% | $23.02 |
| Up to 60 months | Up to 110% financing | 4.99% | $18.87 |
| Up to 72 months | Up to 110% financing | 5.74% | $16.45 |
| Up to 84 months | Up to 100% financing | 6.49% | $14.84 |
Rates reflect relationship loan discount pricing.
* Financing options may vary based on vehicle mileage.
** Not all applicants will qualify for the lowest rate.
