Rates effective as of 2/13/2024. APY = Annual Percentage Yield. APR = Annual Percentage 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 Draft (Checking) Accounts Back to Top Learn More

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%

Money Market Back to Top Learn More

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

Ultimate Insured Money Market Back to Top Learn More

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

Apex Business Money Market Back to Top Learn More

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 Back to Top Learn More

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

Share Certificates - Personal & Business Back to Top Learn More

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.

Ultimate Insured Share Certificate - 12 Months Back to Top Learn More

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

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

IRA Certificates Back to Top Learn More

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.

Credit Cards (Fixed Rate)* - Personal & Business Back to Top Learn More

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.

Vehicle Loans Back to Top Learn More

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.

1st Time Auto Loans Back to Top Learn More

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.

Snowmobiles / ATVs / Powered Watercraft (non-boat) Back to Top Learn More

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.

Motorcycles Back to Top Learn More

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.

Boats / Campers / RVs / Large Tractors Back to Top Learn More

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.

Personal Loans Back to Top Learn More

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.

Home Improvement Loans Back to Top Learn More

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.

Home Equity Loans/Lines Back to Top Learn More

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.