Start your financial life - with Evergreen

Set sail with our new cashback checking account for our younger members. Grow with us!

Benefits You’ll Love

  • Cash back on debit/credit card transactions1
  • ATM Fee refunds1 
  • No monthly maintenance fee or balance requirements
  • Receive a $50 new account bonus2

1Earning rewards – If the Sail Student Checking primary account holder completes at least 1 Online Banking or Mobile Banking sign-on during the Monthly Qualification Cycle, a $0.10 Cash Back Reward will be paid on each credit-based debit and/or credit card transaction that posts to the account during the Monthly Qualification Cycle. Pending and pre-authorized debit and/or credit card transactions do not earn a Reward until the final transaction posts to the account if the account meets the Reward Eligibility that month. ATM transactions do not earn a Reward. In addition, ATM fees that are assessed outside our ATM network will be reimbursed up to $10.00 per statement cycle. The monthly qualification cycle means the first calendar day of the current statement cycle through the last calendar day of the current statement cycle. If the account qualifies for and earns a Reward, the Reward will be paid (credited to the account) by the fifth (5th) business day of the following month. Complete Sail Student Checking disclosures are viewable here.

2 Receive a $50 bonus when you open your account after completing 10 credit-based debit card and/or credit card transactions, and enroll in digital banking. This offer is subject to change without notice.

3This account is available for members 13 to 24 years of age. (You do not have to be a student to open this account). Minors under the age of 18 years old must have a parent or legal guardian as a joint owner on the account. On the first day of the following month in which the member turns 25, they will automatically be converted to Breeze Rewards Checking. 

4Early 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.

5Discount only available on auto, recreation and personal loans.

6Skip-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.

7Terms 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 an immediate relative who meets standard account eligibility requirements. 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 is subject to change without notice.

8Early withdrawal subject to 180 day dividend penalty, whether earned or not.

Kasasa Cash CalculatorDisclaimer

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.

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  • Estimated monthly dividends earned* $0
  • Monthly ATM fees refunded**$0
Buy vs. Lease CalculatorDisclaimer

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.

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Share Certificate CalculatorDisclaimer

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.

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  • Total dividends earned $0
  • Annual Percentage Yield (APY)0.000%
Savings Goal CalculatorDisclaimer

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.

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Simple Loan CalculatorDisclaimer

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.

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  • 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 3.99% $43.42
Up to 60 months Up to 100% financing 5.49% $19.10

 

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 2.47% 2.50%
$250,000 or more 3.44% 3.50%

Minimum to open & earn dividends is $2,500.00.

Fee Schedule

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 2.47% 2.50%
$250,000 or more 3.25% 3.30%

Minimum to open & earn dividends is $2,500.00.

Fee Schedule

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 6.49% $19.56
Up to 84 months Up to 100% financing 7.24% $15.21
Up to 120 months Up to 100% financing 7.99% $12.13
Up to 144 months Up to 100% financing 8.24% $10.96
Up to 180 months Up to 100% financing 8.24% $9.70

 

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% 8.00% $12.13
Up to 180 months 80% 9.00% $10.14
Home Equity Line of Credit5 Up to 85% loan-to-value 7.50% 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 9.24% $14.78

6 Rates reflect relationship loan discount pricing.

* Not all applicants will qualify for the lowest rate.

IRA Certificates

Term Dividend Rate APY
6 months1 4.65% 4.75%
12 months2 4.60% 4.70%
24 months3 3.44% 3.50%
36 months4 3.25% 3.30%
48 months4 3.49% 3.55%
60 months4 3.64% 3.70%

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 2.47% 2.50%
$250,000 or more 3.44% 3.50%
IRA Money Market 0.50% 0.50%

Minimum to earn dividends on a Money Market account is $2,500.00.

Fee Schedule

Motorcycles

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 6.49% $19.56
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 $25,000 Up to 72 months As low as 9.74%* $18.39
Debt Consolidation Loan2 $25,000 Up to 72 months As low as 10.74%* $18.90
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 7.49% $86.75
Overdraft Protection $5,000 Revolving 11.99% n/a
TAP Personal Line of Credit4 $7,500 Revolving 13.50% 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 3.83% 3.90%
6 months1 4.65% 4.75%
12 months2 4.60% 4.70%
24 months3 3.44% 3.50%
36 months4 3.25% 3.30%
48 months4 3.49% 3.55%
60 months4 3.64% 3.70%

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 5.24% $43.98
Up to 48 months Up to 110% financing 5.99% $23.48
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 7.24% $15.21

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 2.47% 2.50%
$250,000 or more 3.25% 3.30%

Minimum to open & earn dividends is $2,500.00.

Fee Schedule

Ultimate Insured Share Certificate - 12 Months

Deposit Dividend Rate APY
$250,000 4.50% 4.60%

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 3.99% $43.42
Up to 48 months Up to 110% financing 5.49% $23.25
Up to 60 months Up to 110% financing 5.49% $19.10
Up to 72 months Up to 110% financing 5.99% $16.57
Up to 84 months Up to 100% financing 6.74% $14.97

 

Rates reflect relationship loan discount pricing.

* Financing options may vary based on vehicle mileage.

** Not all applicants will qualify for the lowest rate.