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Evergreen Park Schools Federal Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 13, 2026
Evergreen Park Schools Federal Credit Union's top rate as of October 13, 2026 is personal loans from 7.25% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of Evergreen Park Schools Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Rates last updated and verified on 10/13/2026.
Evergreen Park Schools Federal 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 Park Schools Federal Credit Union? Share your experience about Evergreen Park Schools Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Evergreen Park Schools Federal Credit Union.
Evergreen Park Schools Federal Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 100/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Evergreen Park Schools Federal Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
0.00%
PerfectLower than avg
Evergreen Park Schools Federal Credit Union Texas Ratio
Evergreen Park Schools Federal Credit Union's Texas Ratio is 0.00%, which is considered perfect and is lower than the national average of 6.13%.
A 0.00% ratio is the best possible score. Evergreen Park Schools Federal Credit Union currently has zero non-performing assets or foreclosed properties on its books.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
Evergreen Park Schools Federal Credit Union Health Trend
0.55% to 0.00% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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 Park Schools Federal Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New Auto Loan
-
-
4.50%
Up to 60 Months
DetailsVehicle Year: 2025 or Newer; Credit Score: A+
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 4.50% → 4.50% ▼ 0.00 pts · high 7.25% / low 4.50%
DetailsCredit Score: D; Vehicle Year: 2012 or older
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 15.25% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Recreational Vehicle Loan
-
16.00%
48 Months
DetailsCredit Score: D; Vehicle Year: 2012 or older
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 16.00% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Evergreen Park Schools Federal Credit Union Personal Loan Rates
Product
APR
Term
View More
Debt Consolidation Loan
7.25%
DetailsCredit Union rates range from ONLY 7.25% to 13.25%. Loan amount may be as much as $15,000.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 7.25% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Unsecured Signature Loan
7.50%
36 Months
DetailsCredit Score: A; Maximum: $15,000.00; PDF shows plain rate, APR disclosed at advance
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 7.50% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Unsecured Signature Loan
8.50%
Up to 60 Months
DetailsCredit Score: A; Maximum: $15,000.00; PDF shows plain rate, APR disclosed at advance
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 8.50% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Unsecured Signature Loan
9.25%
36 Months
DetailsCredit Score: B; Maximum: $8000.00; PDF shows plain rate, APR disclosed at advance
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 9.25% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Unsecured Signature Loan
10.25%
Up to 60 Months
DetailsCredit Score: B; Maximum: $8000.00; PDF shows plain rate, APR disclosed at advance
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 10.25% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Unsecured Signature Loan
11.50%
36 Months
DetailsCredit Score: C; Maximum: $6000.00; PDF shows plain rate, APR disclosed at advance
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 11.50% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Debt Consolidation Loan
13.25%
DetailsCredit Union rates range from ONLY 7.25% to 13.25%. Loan amount may be as much as $15,000.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 7.25% → 13.25% ▲ 6.00 pts · high 13.25% / low 7.25%
Sep 29, 202613.25%▲ from 7.25%
Sep 14, 20267.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Unsecured Signature Loan
13.50%
36 Months
DetailsCredit Score: D; Maximum: $6000.00; PDF shows plain rate, APR disclosed at advance
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 13.50% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Evergreen Park Schools Federal Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Payday Alternative Loan (PAL)
18.00%
-
18.00%
6 months
DetailsMaximum Amount: $1,000.00. Loan Application Fee: $20.00 (Cash or from your Share Account). Any Member 18 years and older. Current Paystubs with income showing $1,000 month or more. Member of the Credit Union for at least 3 months. No Delinquent Loans in the past 6 months and No Bankruptcy discharged in the past year. Proof of Employment for at least 3 months. Applicants cannot have more than one PAL Loan at a time. Applicants applying for a PAL loan must be able to appear in person to sign a loan agreement & disclosure statement. Applicants may not have more than one PAL loan. A member must pay off a PAL loan completely before another PAL loan is issued. A PAL loan may not be refinanced or extended. Applicants who have been delinquent in the past year will not be eligible for a new PAL loan.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 18.00% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Payday Alternative Loan (PAL)
-
-
18.00%
Up to 6 months
DetailsLoan amount $1,000.00; fee $20.00
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 18.00% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Share Secured Loan
-
-
4.50%
Up to 72 months
DetailsShares must fully cover outstanding loan balance
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 4.50% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Financial Health History
Evergreen Park Schools Federal Credit Union’s Texas Ratio fell from 0.55% in Q3 2023 to 0.00% in Q2 2026, so its financial health has stayed very strong 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
$10M
0.00%
5.0
A+
March 31, 2026
$10M
0.10%
5.0
A+
December 31, 2025
$10M
0.20%
5.0
A+
September 30, 2025
$10M
0.03%
5.0
A+
June 30, 2025
$10M
0.00%
5.0
A+
March 31, 2025
$10M
0.00%
5.0
A+
December 31, 2024
$10M
0.38%
5.0
A+
September 30, 2024
$10M
0.00%
5.0
A+
June 30, 2024
$11M
0.00%
5.0
A+
March 31, 2024
$11M
0.02%
5.0
A+
December 31, 2023
$12M
0.31%
5.0
A+
September 30, 2023
$12M
0.55%
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 Park Schools Federal 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 Park Schools Federal 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 Park Schools Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union NameEvergreen Park Schools Federal Credit Union
Address
9901 S Kedzie Ave,
Evergreen Park, IL 60805-3416
Phone708-229-0322
Fax708-229-1841
PresidentAnna Papasideris
CEOKelly Carson
Full-Time Employees2
Part-Time Employees0
Branch Locations1
ATM Locations0
NCUA Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.00%
Return on Assets (ROA)
1.0341%
Return on Equity (ROE)
5.3202%
Non-Performing Loans Ratio (NPL)
0.00%
Total Assets
10,016,805
Total Amount of Shares and Deposits
8,061,512
Total Shares and Deposits < 1 Year
8,061,513
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
339,520
Total Uninsured Shares and Deposits > $250K (F+J)
339,520
Total Insured Shares and Deposits > $250K (item 17 less item K)
7,721,992
Total Interest Expense (Sum of items 6 8)
19,744
Number of Accounts for Regular Shares
1,098
Net Income (unless the amount is already included in Undivided Earnings)
103,584
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)
422,099
Total Liabilities
8,069,821
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
Evergreen Park Schools Federal Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Evergreen Park Schools Federal Credit Union
How many branches does Evergreen Park Schools Federal Credit Union operate?
Evergreen Park Schools Federal 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 Park Schools Federal Credit Union?
Yes, to access services at Evergreen Park Schools Federal 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 Park Schools Federal 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 Park Schools Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Evergreen Park Schools Federal Credit Union offer online and mobile banking?
Most modern institutions like Evergreen Park Schools Federal 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.epsfcu.org.
Brian McKay
