What are the current interest rates at Evergreen Federal Bank?

Current rates for Evergreen Federal Bank include: 12-Month CD: 3.05%, 18-Month CD: 2.00%, 24-Month CD: 2.00%, 36-Month CD: 2.00%, 48-Month CD: 2.00%, 60-Month CD: 2.00%, Savings: 0.01%

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Evergreen Federal Bank

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Evergreen Federal Bank Rates & Review September 2026

Q: How many branches does Evergreen Federal Bank operate?

Evergreen Federal Bank currently maintains approximately 6 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Evergreen Federal Bank 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.

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 19, 2026

Evergreen Federal Bank's 6-Month CD rates are at 3.30%, 12-Month CD rates are at 3.05%, 18-Month CD rates are at 2.00%, 24-Month CD rates are at 2.00%, 36-Month CD rates are at 2.00%. Evergreen Federal Bank's savings rates are at 0.01%. MonitorBankRates evaluates the financial stability of Evergreen Federal Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.02%. Rates last updated and verified on 09/19/2026.

Evergreen Federal Bank 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 Federal Bank? Share your experience about Evergreen Federal Bank by leaving a review below, or read customer reviews before you decide to use Evergreen Federal Bank.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.02%

Excellent Lower than avg

Health Trend

Worsening 12 quarters

Full history ›

Evergreen Federal Bank

969 Se 6th St
Grants Pass, OR 97526

https://www.evergreenfederal.bank

Evergreen Federal Bank CD Rates

Product	Rate	APY	Term
6 month CD	3.26%	3.30%	6 month
Min Deposit $1,000 Min Balance $1,000 Details Interest can be automatically posted to the CD account or transferred to another Evergreen account. CDs auto-renew. At maturity, deposits, withdrawals, and changes to the term can be done during the 7 calendar day grace period following the maturity date. Early withdrawal of interest can reduce your earnings. Early withdrawal penalties vary by term. Please call or visit your Evergreen branch for specific details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
12 month CD	3.02%	3.05%	12 month
Min Deposit $1,000 Min Balance $1,000 Details Interest can be automatically posted to the CD account or transferred to another Evergreen account. CDs auto-renew. At maturity, deposits, withdrawals, and changes to the term can be done during the 7 calendar day grace period following the maturity date. Early withdrawal of interest can reduce your earnings. Early withdrawal penalties vary by term. Please call or visit your Evergreen branch for specific details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
18 month CD	1.99%	2.00%	18 month
Min Deposit $1,000 Min Balance $1,000 Details Interest can be automatically posted to the CD account or transferred to another Evergreen account. CDs auto-renew. At maturity, deposits, withdrawals, and changes to the term can be done during the 7 calendar day grace period following the maturity date. Early withdrawal of interest can reduce your earnings. Early withdrawal penalties vary by term. Please call or visit your Evergreen branch for specific details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
24 month CD	1.99%	2.00%	24 month
Min Deposit $1,000 Min Balance $1,000 Details Interest can be automatically posted to the CD account or transferred to another Evergreen account. CDs auto-renew. At maturity, deposits, withdrawals, and changes to the term can be done during the 7 calendar day grace period following the maturity date. Early withdrawal of interest can reduce your earnings. Early withdrawal penalties vary by term. Please call or visit your Evergreen branch for specific details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
36 month CD	1.99%	2.00%	36 month
Min Deposit $1,000 Min Balance $1,000 Details Interest can be automatically posted to the CD account or transferred to another Evergreen account. CDs auto-renew. At maturity, deposits, withdrawals, and changes to the term can be done during the 7 calendar day grace period following the maturity date. Early withdrawal of interest can reduce your earnings. Early withdrawal penalties vary by term. Please call or visit your Evergreen branch for specific details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
48 month CD	1.99%	2.00%	48 month
Min Deposit $1,000 Min Balance $1,000 Details Interest can be automatically posted to the CD account or transferred to another Evergreen account. CDs auto-renew. At maturity, deposits, withdrawals, and changes to the term can be done during the 7 calendar day grace period following the maturity date. Early withdrawal of interest can reduce your earnings. Early withdrawal penalties vary by term. Please call or visit your Evergreen branch for specific details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
60 month CD	1.99%	2.00%	60 month
Min Deposit $1,000 Min Balance $1,000 Details Interest can be automatically posted to the CD account or transferred to another Evergreen account. CDs auto-renew. At maturity, deposits, withdrawals, and changes to the term can be done during the 7 calendar day grace period following the maturity date. Early withdrawal of interest can reduce your earnings. Early withdrawal penalties vary by term. Please call or visit your Evergreen branch for specific details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%

Evergreen Federal Bank Savings Rates

Product	Rate	APY
Evergreen Business Savings	0.01%	0.01%
Min Deposit $250 Min Balance $1,000 Details APY* Annual Percentage Yield is accurate as of September 1, 2026. Savings Accounts are variable rate accounts in which Interest Rates are subject to change after the account has been opened. Interest is compounded daily. Fees could reduce the earnings on the account. You must maintain a minimum of $0.01 to earn interest and a daily balance of $1,000 in your Evergreen Business Savings Account to obtain the annual percentage yield listed above and assumes that the interest remains on deposit. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
Evergreen Business Savings	0.01%	0.01%
Min Balance $1,000 Details To Avoid Service Charge: $250 minimum daily balance, otherwise $5 service charge per statement period Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
Evergreen Personal Savings	0.01%	0.01%
Min Deposit $250 Min Balance $1,000 Details To Open an Account: Valid government-issued photo ID, Social Security Number, Physical address. For primary account holders who are under 18 years of age: A minimum daily balance of $5 is required and, there is no monthly service charge. Savings Accounts are variable rate accounts in which Interest Rates are subject to change after the account has been opened. Interest is compounded daily. Fees could reduce the earnings on your account. You must maintain a minimum of $0.01 to earn interest. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
Evergreen Personal Savings	0.01%	0.01%
Min Balance $1,000 Details $250 minimum daily balance, otherwise $5 service charge per month** Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%

Evergreen Federal Bank Checking Rates

Product	Rate	APY
Business Evergreen Nonprofit Interest Checking	0.01%	0.01%
Min Balance $1,000 Details To Avoid Service Charge: No per statement service charge. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
Evergreen Interest Business Checking	0.01%	0.01%
Min Balance $1,000 Details To Open an Account: Valid government-issued photo ID for all authorized signers and copies of I.D. for all Beneficial Owners and Control Party; Social Security Number for each signer; Physical address; $100 minimum, $1,000 for Evergreen Analysis; Articles of organization (e.g. Articles of incorporation, partnership agreement, assumed business name, etc.); Proof that the business is filed with the State of Oregon Corporate Division; Tax Identification Number (TIN); Employer Identification Number (EIN). For businesses with low volume activity and transactions; allows up to $10,000 in currency or less, 200 items deposited or less, and/or 20 deposits per month. To Avoid Service Charge: $1,000 minimum daily balance, otherwise $15 service charge per statement cycle. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%
Evergreen Nonprofit Interest Checking	0.01%	0.01%
Min Balance $1,000 Details To Open an Account: Valid government-issued photo ID for all authorized signers and copies of I.D. for all Beneficial Owners and Control Party; Social Security Number for each signer; Physical address; $100 minimum, $1,000 for Evergreen Analysis; Articles of organization (e.g. Articles of incorporation, partnership agreement, assumed business name, etc.); Proof that the business is filed with the State of Oregon Corporate Division; Tax Identification Number (TIN); Employer Identification Number (EIN). No per statement service charge. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.02%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Evergreen Federal Bank’s Texas Ratio rose from 0.87% in Q3 2023 to 4.02% in Q2 2026, so its financial health has weakened 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 bank’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	$622M	4.02%	5.0	A+
March 31, 2026	$628M	4.50%	5.0	A+
December 31, 2025	$617M	5.27%	5.0	A+
September 30, 2025	$628M	4.96%	5.0	A+
June 30, 2025	$624M	5.74%	5.0	A+
March 31, 2025	$612M	4.66%	5.0	A+
December 31, 2024	$612M	4.79%	5.0	A+
September 30, 2024	$611M	3.65%	5.0	A+
June 30, 2024	$610M	2.68%	5.0	A+
March 31, 2024	$608M	2.66%	5.0	A+
December 31, 2023	$605M	1.28%	5.0	A+
September 30, 2023	$600M	0.87%	5.0	A+

Source: FDIC 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 Federal Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer 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 bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Evergreen Federal Bank 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 Federal Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Evergreen Federal Bank

FDIC Certificate # 28914

Address 969 Se 6th St, Grants Pass, OR 97526 · Josephine

Website https://www.evergreenfederal.bank

Established 19340601

FDIC Insurance Date 19890809

Domestic Offices 6

Total Branches 6

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 98/100

5.0

Exceptional Out of 5.0 Stars

4.02%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.8096%

Return on Equity (ROE) 6.2400%

Non-Performing Loans (NPL) 0.50%

Total Assets $621,553,000

Total Deposits $536,632,000

Equity Capital $82,129,000

Net Income $2,519,000

Headquarters Grants Pass

Total Branches and Offices 6

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Evergreen Federal Bank earned the Verified Healthy badge

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Frequently Asked Questions About Evergreen Federal Bank

How many branches does Evergreen Federal Bank operate?

Evergreen Federal Bank currently maintains approximately 6 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Evergreen Federal Bank 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 Federal Bank provides members with tools to manage their accounts and build a solid financial history.

Does Evergreen Federal Bank offer online and mobile banking?

Most modern institutions like Evergreen Federal Bank 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.evergreenfederal.bank.