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Evergreen Credit Union

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Evergreen Credit Union Rates & Review November 2026

Q: What are the current interest rates at Evergreen Credit Union?

Current rates for Evergreen Credit Union include: 12-Month CD: 3.63%, 24-Month CD: 3.68%, 60-Month CD: 3.79%, Savings: 0.50%

Q: What CD terms does Evergreen Credit Union offer?

Evergreen Credit Union CD rates are 4.30% APY for a 6 month CD, 3.63% APY for a 12 month CD, 4.45% APY for a 15 month CD, 3.68% APY for a 2 year CD, 3.79% APY for a 3 year CD and 3.79% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Evergreen Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Evergreen Credit Union's 15 Month CD of Deposit rates are at 4.45%, 6 Month CD of Deposit rates are at 4.30%, 36 Month CD of Deposit rates are at 3.79%, 60 Month CD of Deposit rates are at 3.79%, 24 Month CD of Deposit rates are at 3.68%. Evergreen Credit Union's savings rates are at 0.50%. Evergreen Credit Union's checking rates are as high as 4.00%. Evergreen Credit Union's Primary Home-First Mortgage - 3 Year ARM rates are at 4.99%, Primary Home-First Mortgage - 5 Year ARM rates are at 5.24%, Lot or Land Loans-First Mortgage - 3 Year ARM rates are at 5.49%, Vacation Home - 3 Year ARM rates are at 5.49%, Vacation Home-First Mortgage - 3 Year ARM rates are at 5.49%. Evergreen Credit Union's Personal Loan Rates are as low as 6.99%. Evergreen Credit Union's Credit Card Rates are at 9.90%. Evergreen Credit Union's CD rates are 33% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Evergreen Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.16%. Rates last updated and verified on 10/29/2026.

Evergreen Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Evergreen Credit Union? Share your experience about Evergreen Credit Union by leaving a review below, or read customer reviews before you decide to use Evergreen Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.16%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

Evergreen Credit Union
Evergreen Credit Union

1500 W American Dr
Neenah, WI 54956

https://www.evergreencu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Evergreen Credit Union CD Rates

Product	Rate	APY	Term
15 Month Certificate of Deposit	4.40%	4.45%	15 Months
Min Deposit $5,000 Min Balance $5,000 Details Special rate (15 Months - Special); Rates effective 09/24/2026; APY assumes dividends remain in account until maturity; dividends paid semi-annually and at maturity; early withdrawal penalties may apply Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
6 Month Certificate of Deposit	4.25%	4.30%	6 months
Min Deposit $1,000 Min Balance $1,000 Details Rates effective 09/24/2026; APY assumes dividends remain in account until maturity; dividends paid semi-annually and at maturity; early withdrawal penalties may apply Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 2.26% → 4.30% ▲ 2.04 pts · high 4.30% / low 2.26% Oct 1, 20264.30%▲ from 2.26% Sep 18, 20262.26%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
IRA 12 Month CD	3.90%	3.94%	12 Month
Min Balance $1,000 Details Balance to Earn APY: $1,000.00; Dividends paid semi-annually and at maturity; Early withdrawal penalties may apply; Individual accounts only; No institutional or commercial deposits accepted Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.94% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
36 Month Certificate of Deposit	3.75%	3.79%	36 months
Min Deposit $1,000 Min Balance $1,000 Details Rates effective 09/24/2026; APY assumes dividends remain in account until maturity; dividends paid semi-annually and at maturity; early withdrawal penalties may apply Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.79% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
60 Month Certificate of Deposit	3.75%	3.79%	60 months
Min Deposit $5,000 Min Balance $5,000 Details Rates effective 09/24/2026; APY assumes dividends remain in account until maturity; dividends paid semi-annually and at maturity; early withdrawal penalties may apply Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.79% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
24 Month Certificate of Deposit	3.65%	3.68%	24 months
Min Deposit $1,000 Min Balance $1,000 Details Rates effective 09/24/2026; APY assumes dividends remain in account until maturity; dividends paid semi-annually and at maturity; early withdrawal penalties may apply Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.68% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
IRA 24 Month CD	3.65%	3.68%	24 Month
Min Balance $1,000 Details Balance to Earn APY: $1,000.00; Dividends paid semi-annually and at maturity; Early withdrawal penalties may apply; Individual accounts only; No institutional or commercial deposits accepted Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.68% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Youth Certificates of Deposit - 12 month	3.60%	3.65%	12 months
Min Deposit $25 Min Balance $25 Details Youth Certificate (Sapling Certificate) for members 17 and younger to open; Youth Certificates may deposit additional money at any time; APY assumes dividends remain until maturity; dividends paid semi-annually and at maturity; early withdrawal penalties may apply; rates effective 09/24/2026 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.94% → 3.65% ▼ 0.29 pts · high 3.94% / low 3.65% Oct 1, 20263.65%▼ from 3.94% Sep 14, 20263.94%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
12 Month Certificate of Deposit	3.60%	3.63%	12 months
Min Deposit $1,000 Min Balance $1,000 Details Rates effective 09/24/2026; APY assumes dividends remain in account until maturity; dividends paid semi-annually and at maturity; early withdrawal penalties may apply Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 3.94% → 3.63% ▼ 0.31 pts · high 3.94% / low 3.63% Oct 1, 20263.63%▼ from 3.94% Sep 18, 20263.94%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%

Evergreen Credit Union Savings Rates

Product	Rate	APY
Back to School Savings	0.50%	0.50%
Details Balance to earn APY: $0.01; Minimum balance: Required; Dividend credited to account at maturity; accrued dividends forfeited if closed before dividend is paid; $5.00 penalty applies on early withdrawals Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Mistletoe Savings	0.50%	0.50%
Details Balance to earn APY: $0.01; Minimum balance: Required; Dividend credited to account at maturity. If account is closed before dividend is paid, accrued dividends are forfeited. $5.00 penalty applies on early withdrawals from Mistletoe Savings and Back to School Savings accounts. Rates effective 09/24/2026. Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
IRA Savings	0.30%	0.30%
Details Minimum Balance: Required; Individual accounts only; No institutional or commercial deposits accepted Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Adventure Savings	0.25%	0.25%
Details Minimum Balance: Required; Balance to Earn APY: $100.00; Rates effective 09/24/2026 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Seed Savings	0.25%	0.25%
Min Balance $5 Details Balance to Earn APY: $100.00; Rates effective 09/24/2026 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Sub Shares	0.25%	0.25%
Details Balance to Earn APY: $100.00; Minimum Balance: Required; Rates effective 09/24/2026 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%

Evergreen Credit Union Checking Rates

Product	Rate	APY
Extra Green Checking	4.00%	4.00%
Details Tier 1 (up to $10,000); Balance to earn APY: $0.01; Qualifications required; Rates effective 09/24/2026 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Monarch Checking	0.10%	0.10%
Min Balance $400 Details Qualifications Required; Earn dividends by: having a minimum average daily balance of $400, be enrolled in e-Statements, and have one ACH direct deposit into your Monarch Checking monthly. Rates effective 09/24/2026. Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%

Evergreen Credit Union Mortgage Rates

Product	Rate	Points	APR
Primary Home-First Mortgage - 3 Year ARM	4.99%	-	5.029%
Details APR includes $399 in origination costs. Estimated closing costs of $800 and may be financed. Proof of property insurance required prior to closing. APR based on <= 80% loan to value. Terms up to 30 years. Rates effective 09/24/2026. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.03% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Primary Home-First Mortgage - 5 Year ARM	5.24%	-	5.279%
Details APR includes $399 in origination costs. Estimated closing costs of $800 and may be financed. Proof of property insurance required prior to closing. APR based on <= 80% loan to value. Terms up to 30 years. Rates effective 09/24/2026. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.28% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Lot or Land Loans-First Mortgage - 3 Year ARM	-	-	5.49%
Details As Low As; APR is based on a loan to value less than 80%. Terms up to 30 years on loans greater than $50,000. Other affordable terms apply. For lowest rates, checking with direct deposit and automatic payments required. Rates effective 09/24/2026. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Vacation Home - 3 Year ARM	-	-	5.49%
Details As Low As; Vacation Home-First Mortgage; Cost Per $1000: Call for Details; APR based on <= 80% loan to value; first mortgage rates available for 80.01 - 90% loan to value; estimated closing costs of $800 may be financed; lowest rates require checking with direct deposit and automatic payments Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Vacation Home-First Mortgage - 3 Year ARM	-	-	5.49%
Details As Low As; APR is based on <= 80% loan to value; Terms up to 30 years; First mortgage rates available for 80.01 - 90% loan to value; Estimated closing costs of $800 may be financed; Cost Per $1000: Call for Details; Rates effective 09/24/2026 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Vacation Home - 5 Year ARM	-	-	5.99%
Details As Low As; Vacation Home-First Mortgage; Cost Per $1000: Call for Details; APR based on <= 80% loan to value; first mortgage rates available for 80.01 - 90% loan to value; estimated closing costs of $800 may be financed; lowest rates require checking with direct deposit and automatic payments Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Vacation Home-First Mortgage - 5 Year ARM	-	-	5.99%
Details As Low As; APR is based on <= 80% loan to value; Terms up to 30 years; First mortgage rates available for 80.01 - 90% loan to value; Estimated closing costs of $800 may be financed; Cost Per $1000: Call for Details; Rates effective 09/24/2026 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Primary Home-First Mortgage - 15 Year Fixed	6.50%	-	6.563%
Details APR includes $399 in origination costs. Estimated closing costs of $800 and may be financed. Proof of property insurance required prior to closing. APR based on <= 90% loan to value. For limited cash out refinance or purchase. Rates effective 09/24/2026. Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 5.82% → 6.56% ▲ 0.74 pts · high 6.56% / low 5.82% Oct 26, 20266.56%▲ from 5.82% Sep 14, 20265.82%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Primary Home-First Mortgage - 30 Year Fixed	7.00%	-	7.04%
Details APR includes $399 in origination costs. Estimated closing costs of $800 and may be financed. Proof of property insurance required prior to closing. APR based on <= 80% loan to value. Terms up to 30 years. Rates effective 09/24/2026. Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 6.54% → 7.04% ▲ 0.50 pts · high 7.04% / low 6.54% Oct 26, 20267.04%▲ from 6.54% Sep 14, 20266.54%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%

Evergreen Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Line of Credit	-	-	6.75%
Details As Low As; Homepage featured rate Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 6.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Home Equity Line of Credit (HELOC)	-	-	7.00%
Details Loan to value: up to 80%; Variable APR; Maximum APR 11.75%; Minimum APR 3.25%; Primary residences only Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Sep 18, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Home Equity Line of Credit (HELOC)	-	-	8.00%
Details Loan to value: 80.01 to 90%; Variable APR; Footnote states APR is Prime Rate +1% for 80.01-90% LTV; Maximum APR 11.75%; Minimum APR 3.25%; Primary residences only Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 6.75% → 8.00% ▲ 1.25 pts · high 8.00% / low 6.75% Oct 13, 20268.00%▲ from 7.00% Sep 18, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%

Evergreen Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan - 2023 & newer	-	-	4.24%
Details As Low As; Vehicle age: up to 4 years; Cost per $1000 not extracted; Merit based pricing, actual rate may vary by credit score and account relationship; Rates effective 09/24/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Auto Loans	-	-	4.24%	up to 4 years
Details As Low As; Model Year: 2023 & newer; Cost Per $1000: $22.69; Vehicles, Boats & Campers Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Auto Loans	-	-	4.24%	up to 5 years
Details As Low As; Model Year: 2023 & newer; Cost Per $1000: $18.53; Vehicles, Boats & Campers Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
New or Used Auto	-	-	4.24%
Details As Low As; Homepage featured rate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Auto Loan - 2020-2022	-	-	4.49%
Details As Low As; Vehicle age: up to 5 years; Merit based pricing, actual rate may vary by credit score and account relationship; Rates effective 09/24/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Auto Loan - 2023 & newer	-	-	4.49%
Details As Low As; Vehicle age: up to 6 years; Merit based pricing, actual rate may vary by credit score and account relationship; Rates effective 09/24/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Auto Loans	-	-	4.49%	up to 6 years
Details As Low As; Model Year: 2023 & newer; Cost Per $1000: $15.88; Vehicles, Boats & Campers Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Auto Loans	-	-	4.49%	up to 5 years
Details As Low As; Model Year: 2020-2022; Cost Per $1000: $29.75; Vehicles, Boats & Campers Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Auto Loan - 2016-2019	-	-	4.74%
Details As Low As; Vehicle age: up to 4 years; Merit based pricing, actual rate may vary by credit score and account relationship; Rates effective 09/24/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Auto Loans	-	-	4.74%	up to 4 years
Details As Low As; Model Year: 2016-2019; Cost Per $1000: $29.86; Vehicles, Boats & Campers Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Auto Loan - 2015 & older	-	-	5.99%
Details As Low As; Vehicle age: up to 3 years; Merit based pricing, actual rate may vary by credit score and account relationship; Rates effective 09/24/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Auto Loan - 2023 & newer	-	-	5.99%
Details As Low As; Vehicle age: up to 7 years; Loan amount >$30,000 on current model year vehicles only; Merit based pricing, actual rate may vary by credit score and account relationship; Rates effective 09/24/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Auto Loans	-	-	5.99%	up to 7 years
Details As Low As; Model Year: 2023 & newer; Cost Per $1000: $14.61; Loan amount over $30,000 on current model year vehicles only; Vehicles, Boats & Campers Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Auto Loans	-	-	5.99%	up to 3 years
Details As Low As; Model Year: 2015 & older; Cost Per $1000: $30.43; Vehicles, Boats & Campers Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%

Evergreen Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Recreational Loan	-	4.49%	up to 5 years
Details As Low As; Model Year: 2023 & Newer; Cost Per $1000: $18.08; Merit based pricing; rates effective 09/24/2026 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Balloon Loan - Boats, Motor Homes, & Extendable Trailers	-	4.99%	3 year
Details As Low As; Model Year: 2021 & newer; *Annual Percentage Rate; Merit based pricing in effect; actual rate may vary based on credit score and account relationship (direct deposit and active checking); $15,000 minimum loan on balloon terms; affordable terms from 10 to 30 years; rates effective 09/24/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Recreational Loan	-	4.99%	up to 5 years
Details As Low As; Model Year: 2020-2022; Cost Per $1000: $18.87; Merit based pricing; rates effective 09/24/2026 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Balloon Loan - Boats, Motor Homes, & Extendable Trailers	-	5.99%	3 year
Details As Low As; Model Year: 2016-2020; *Annual Percentage Rate; Merit based pricing in effect; actual rate may vary based on credit score and account relationship (direct deposit and active checking); $15,000 minimum loan on balloon terms; affordable terms from 10 to 30 years; rates effective 09/24/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Recreational Loan	-	5.99%	up to 4 years
Details As Low As; Model Year: 2016-2019; Cost Per $1000: $23.49; Merit based pricing; rates effective 09/24/2026 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Balloon Loan - Boats, Motor Homes, & Extendable Trailers	-	6.99%	3 year
Details As Low As; Model Year: 2015 & Older; *Annual Percentage Rate; Merit based pricing in effect; actual rate may vary based on credit score and account relationship (direct deposit and active checking); $15,000 minimum loan on balloon terms; affordable terms from 10 to 30 years; rates effective 09/24/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Recreational Loan	-	6.99%	up to 3 years
Details As Low As; Model Year: 2015 & older; Cost Per $1000: $30.88; Merit based pricing; rates effective 09/24/2026 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%

Evergreen Credit Union Credit Card Rates

Product	Rate	APR	View More
Platinum MasterCard	-	9.90%
Details As Low As; APR range between 9.90% and 16.90% based on credit worthiness; no annual fee; minimum monthly payment of $20.00 or 3% of outstanding balance, whichever is greater; rates effective 09/24/2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.90% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%

Evergreen Credit Union Personal Loan Rates

Product	APR	Term
Solar Loan	6.99%	Up to 5 years
Details As Low As; Merit based price in effect; actual rate may vary based on your credit score. Terms up to 10 years. $20,000 maximum loan. Solar projects on primary home only. No equity required. Some restrictions apply. Rates effective 09/24/2026. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Signature Loans	10.49%	3 Year
Details As Low As; Merit based pricing in effect; rate may vary based on credit score and account relationship Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 10.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Personal Line of Credit - Kwik Cash	12.90%
Details As Low As; Cost Per $1000: Call for Details; Minimum monthly payment is the greater of $15.00 or $3.00 for each $100 principal loan balance as of the date of the more recent advance; Rates effective 09/24/2026 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 12.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Signature Loans	12.99%	up to 6 months
Details Term: single payment up to 6 months; As Low As; Merit based pricing in effect; rate may vary based on credit score and account relationship; Cost Per $1000: Call for Details Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 12.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%

Evergreen Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Construction Loans - 6 Month Term	-	-	5.74%	6 Month
Details As Low As; APR based on <=90% loan to value. Requires monthly interest payments. Contact a loan officer for more details. Rates effective 09/24/2026. Cost Per $1000: Call for Details Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 5.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
E-Bike Loans	-	-	4.49%	up to 5 years
Details As Low As; Model Year: 2021 & Newer; Merit based pricing in effect; rate may vary based on credit score and account relationship; Rates effective 09/24/2026 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Money Manager	0.45%	-	0.45%
Min Deposit $2,000 Min Balance $2,000 Details Balance: $2,000.00 to $9,999.99; Rates effective 12/11/23; $250 minimum withdrawal; Individual accounts only Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Money Manager	0.60%	-	0.60%
Min Deposit $2,000 Min Balance $10,000 Details Balance: $10,000.00 to $14,999.99; Rates effective 12/11/23; $250 minimum withdrawal; Individual accounts only Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Money Manager	1.25%	-	1.25%
Min Deposit $2,000 Min Balance $15,000 Details Balance: $15,000.00 to $24,999.99; Rates effective 12/11/23; $250 minimum withdrawal; Individual accounts only Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Money Manager	1.90%	-	1.90%
Min Deposit $2,000 Min Balance $25,000 Details Balance: $25,000.00 and up; Rates effective 12/11/23; $250 minimum withdrawal; Individual accounts only Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.90% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Super Money Manager	2.00%	-	2.00%
Min Balance $50,000 Details Balance: $50,000.00-$99,999.99; Balances less than $50,000 do not earn dividend; $500 minimum withdrawal; Individual Accounts only; Rates effective 09/24/2026 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%
Super Money Manager	2.25%	-	2.25%
Details Balance: $100,000.00 and up; Balances less than $50,000 do not earn dividend; $500 minimum withdrawal; Individual Accounts only; Rates effective 09/24/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.16%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Evergreen Credit Union’s Texas Ratio rose from 3.34% in Q3 2023 to 5.16% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$65M	5.16%	5.0	A+
March 31, 2026	$64M	4.69%	5.0	A+
December 31, 2025	$65M	3.53%	5.0	A+
September 30, 2025	$62M	3.34%	5.0	A+
June 30, 2025	$62M	2.84%	5.0	A+
March 31, 2025	$60M	1.87%	5.0	A+
December 31, 2024	$58M	1.74%	5.0	A+
September 30, 2024	$57M	1.07%	5.0	A+
June 30, 2024	$57M	1.06%	5.0	A+
March 31, 2024	$59M	1.92%	5.0	A+
December 31, 2023	$58M	3.48%	5.0	A+
September 30, 2023	$57M	3.34%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Evergreen Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Evergreen Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Evergreen Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Evergreen Credit Union

Website https://www.evergreencu.com

Address 1500 W American Dr, Neenah, WI 54956

Phone 920-729-2999

Fax 920-729-2990

President

CEO Elizabeth Hable

Full-Time Employees 13

Part-Time Employees 3

Branch Locations 2

ATM Locations 2

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.16%

Return on Assets (ROA)

0.4878%

Return on Equity (ROE)

3.4869%

Non-Performing Loans Ratio (NPL)

0.99%

Total Assets

65,258,692

Total Amount of Shares and Deposits

56,075,584

Total Shares and Deposits < 1 Year

54,371,346

Total Shares and Deposits 1 3 Years

1,704,238

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

1,928,119

Total Uninsured Shares and Deposits > $250K (F+J)

1,928,119

Total Insured Shares and Deposits > $250K (item 17 less item K)

54,147,465

Total Interest Expense (Sum of items 6 8)

399,018

Share Certificates

465

Number of Accounts for Share Drafts

2,556

IRA KEOGH Accounts

Number of Accounts for Regular Shares

5,079

Money Market Shares

248

Net Income (unless the amount is already included in Undivided Earnings)

319,692

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

2,546,085

Total Liabilities

56,129,160

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Evergreen Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
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       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Evergreen Credit Union

Does Evergreen Credit Union offer CDs?

Yes. Evergreen Credit Union current CD rates include its 15 Month CD of Deposit at 4.45% APY, its 6 Month CD of Deposit at 4.30% APY and its 36 Month CD of Deposit at 3.79% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Evergreen Credit Union NCUA insured?

Yes. Evergreen Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Evergreen Credit Union?

The highest Evergreen Credit Union CD rate is its 15 Month CD of Deposit at 4.45% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Evergreen Credit Union offer?

Evergreen Credit Union CD rates are 4.30% APY for a 6 month CD, 3.63% APY for a 12 month CD, 4.45% APY for a 15 month CD, 3.68% APY for a 2 year CD, 3.79% APY for a 3 year CD and 3.79% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Evergreen Credit Union for its full lineup.

What is the highest savings rate at Evergreen Credit Union?

The highest Evergreen Credit Union savings rate is its Back to School Savings at 0.50% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at Evergreen Credit Union?

The highest Evergreen Credit Union checking rate is its Extra Green Checking at 4.00% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest 30 year fixed mortgage rate at Evergreen Credit Union?

The lowest Evergreen Credit Union 30 year fixed mortgage rate is its Primary Home-First Mortgage - 30 Year Fixed at 7.00%, verified by MonitorBankRates as of October 29, 2026. Evergreen Credit Union mortgage rates are 7.00% for a 30 year mortgage, 6.50% for a 15 year mortgage, 5.24% for a 5 year mortgage and 4.99% for a 3 year mortgage.

What is the lowest auto loan rate at Evergreen Credit Union?

The lowest Evergreen Credit Union auto loan rate is its Auto Loan - 2023 & newer at 4.24% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at Evergreen Credit Union?

The lowest Evergreen Credit Union personal loan rate is its Signature Loans at 10.49% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at Evergreen Credit Union?

The lowest Evergreen Credit Union credit card APR is its Platinum MasterCard Credit Card at 9.90% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does Evergreen Credit Union operate?

Evergreen Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Evergreen Credit Union?

Yes, to access services at Evergreen Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Evergreen Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Evergreen Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Evergreen Credit Union offer online and mobile banking?

Most modern institutions like Evergreen Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.evergreencu.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Evergreen Credit Union rates compare?

Evergreen Credit Union's CD rates are 33% higher than the MonitorBankRates national average, and it has an A+ health rating. Evergreen Credit Union's top rates are its 15 Month CD of Deposit at 4.45% APY, its Back to School Savings at 0.50% APY, its Extra Green Checking at 4.00% APY, its Primary Home-First Mortgage - 3 Year ARM at 4.99%, its Solar Loan at 6.99% APR and its Platinum MasterCard Credit Card at 9.90% APR, verified by MonitorBankRates on October 29, 2026.

Current Evergreen Credit Union Rates

12-Month CD3.63%
24-Month CD3.68%
60-Month CD3.79%
Savings0.50%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Evergreen Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Evergreen Credit Union Texas Ratio

Evergreen Credit Union Health Trend

Evergreen Credit Union CD Rates

Evergreen Credit Union Savings Rates

Evergreen Credit Union Checking Rates

Evergreen Credit Union Mortgage Rates

Evergreen Credit Union Home Equity & HELOC

Evergreen Credit Union Auto Loan Rates

Evergreen Credit Union RV, Boat and Powersport Loan Rates

Evergreen Credit Union Credit Card Rates

Evergreen Credit Union Personal Loan Rates

Evergreen Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Evergreen Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Evergreen Credit Union

Does Evergreen Credit Union offer CDs?

Are CDs from Evergreen Credit Union NCUA insured?

What is the highest CD rate at Evergreen Credit Union?

What CD terms does Evergreen Credit Union offer?

What is the highest savings rate at Evergreen Credit Union?

What is the highest checking rate at Evergreen Credit Union?

What is the lowest 30 year fixed mortgage rate at Evergreen Credit Union?

What is the lowest auto loan rate at Evergreen Credit Union?

What is the lowest personal loan rate at Evergreen Credit Union?

What is the lowest credit card APR at Evergreen Credit Union?

How many branches does Evergreen Credit Union operate?

Is a member application needed to join Evergreen Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Evergreen Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Evergreen Credit Union rates compare?

Current Evergreen Credit Union Rates

Compare to Other Credit Unions