Protect your accounts automatically
Life happens — but accidental overdraft fees don’t have to with Courtesy Pay.
Benefits You’ll Love
- Pays for overdrafts to protect account history
- Gain peace of mind knowing you’re covered
- Resolves payment issues quickly and conveniently
Avoid problems when your checking account is short on money due to:
- An accounting or payment error
- Emergency
- Timing of a deposit or transaction hold
With Courtesy Pay, enjoy these benefits1:
- Peace of mind — you're covered!
- Convenience
- Avoid hassles
- Resolve payment problems quicker
Courtesy Pay allows us to pay an item presented for payment against a checking account even if it causes the account to become overdrawn. Evergreen is not obligated to make any overdraft payments; however, if other overdraft protection methods are established, such as a line of credit or automatic transfer from other accounts, we will always look to pay any overdraft by those other methods before paying an overdraft utilizing Courtesy Pay. Please note that Evergreen charges a $32.00 fee whenever an overdraft occurs.1
For more details about Courtesy Pay:
Call us: (207) 221-5000.
Email us: [email protected] 2
Visit one of our five branches.
Courtesy Pay allows us to pay items presented for payment against a checking account such as transactions created by check, in-person withdrawal, ATM, or other electronic means even if it causes the account to become overdrawn. Evergreen is not obligated to make any overdraft payments; however, if other overdraft protection methods are established, such as a line of credit or automatic transfer from other accounts, we will always look to pay any overdraft by those other methods before paying an overdraft utilizing Courtesy Pay. Please note that Evergreen charges a $32.00 fee whenever an overdraft occurs.
1ECU will only offer this program to individual and business members “in good standing.” To be considered “in good standing,” the following qualifications must be met: a. Account must be open for 90 days b. Bringing the negative account balance to a positive within thirty (30) days c. Not being in default on any loan or other obligation to ECU d. Not being subject to any legal or administrative order or levy, including garnishment and bankruptcy e. Authorized signer must be at least 18 years of age f. Account may not be dormant g. The member’s address on the account must be valid
2Personal information, such as social security numbers, account numbers, and other sensitive data, should not be included in your message.
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.
