Elevate your everyday banking
And experience free checking that moves your money in one direction: Up.
Featured Rate
As high as
- 6.00%
- APY1
- Annual Percentage Yield
- APY1
When you:
- Use your Evergreen debit card and/or SunSelect credit card for many of your regular monthly transactions during the qualification cycle1. Transactions must be credit based (Non-PIN). More details
- Complete at least 1 Online Banking or Mobile Banking login during the qualification cycle
You receive:
- 6% APY1 on balances up to $10,0001 for $1,500 or more in transactions or
- 3% APY1 on balances up to $10,0001 for $750 - $1499.99 in transactions
You always enjoy no minimum balance or monthly fees. Minimum yield of 0.05% APY1 is always paid when qualifications are not met.
Saving is now easier:
- Saver Certificate -
- Open with $25, and deposit any amount at any time, for up to 12 months
- Certificate automatically renews every 12 months2
- Setup optional, recurring transfers from checking to Saver Certificate or savings account as you wish
- No monthly service fees
- ATM fee refunds up to $10 per month3
- Get loan rate discounts with Rise4
- Personal Financial Counseling
- Financial Education Online Tools
More benefits:
- Early Pay - Receive your direct deposit up to 2 calendar days sooner than previously scheduled5
- Instant-issue debit cards
- Personal Credit Card
- Referral rewards available
- One free Skip-A-Payment per eligible loan, per calendar year6
- Overdraft protection loan7 and Courtesy Pay8
- Surcharge-free ATMs
- Shared branching
- Help with switching direct deposits to Evergreen
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1APY = Annual Percentage Yield. Each cycle an electronic statement is received. A qualification cycle closes on the 25th of each month and begins on the 26th of the previous month. Transaction requirements apply. Each cycle, 6% APY will be paid on balances of up to $10,000 with Evergreen debit and/or SunSelect credit card use of $1,500 or more. 3% APY will be paid on balances of up to $10,000 with Evergreen debit and/or SunSelect credit card use between $750 and $1,499.99, and 0.05% APY paid on all amounts above $10,000. Transactions must be credit (Non-PIN) based to apply towards balance total. If requirements are not met in a cycle, balances will earn 0.05% APY. Rates as of 9/1/2023. The interest (dividend) rate is subject to change without notice.
2 Early withdrawal subject to 180 day dividend penalty, whether earned or not. Rate as of 9/1/2023.
3 ATM fees up to $10 will be refunded with Evergreen debit and/or credit card use of $750 or more. Transactions must be credit (Non-PIN) based to apply towards use, and must be made with an Evergreen debit and/or SunSelect credit card. If requirements are not met in a cycle, no ATM rebates will be refunded. A qualification cycle closes on the 25th of each month and begins on the 26th of the previous month. We may change the ATM rebate amount at any time after the account is opened.
4 Discount only available on auto, recreation and personal loans.
5 Early 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.
6 Skip-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.
7 Credit qualification is required. Not all applicants will qualify for the lowest rate. Not available to members 17 years old and under.
8 Not available to members 17 years old and younger.
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 | 3.15% | 3.20% |
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 | 6.49% | $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% | 6.50% | $19.57 |
| Up to 60 months | 85% | 7.00% | $19.80 |
| Up to 120 months | 80% | 7.00% | $11.61 |
| Up to 180 months | 80% | 7.50% | $9.27 |
| Home Equity Line of Credit5 | Up to 85% loan-to-value | 6.75% | 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 | $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 | 3.83% | 3.90% |
| 24 months3 | 3.01% | 3.05% |
| 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 Protection | $2,500 | Revolving | 11.99% | n/a |
| TAP Personal Line of Credit4 | $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 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 | 3.83% | 3.90% |
| 24 months3 | 3.01% | 3.05% |
| 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.
