What are the current interest rates at Evergreen Credit Union?

Current rates for Evergreen Credit Union include: 12-Month CD: 3.94%, 24-Month CD: 3.68%, 60-Month CD: 3.79%, Savings: 0.25%

MonitorBankRates

☰

Quick Poll The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?

Home›
Credit Unions›
Evergreen Credit Union

iAdvertiser Disclosure

Evergreen Credit Union Rates & Review September 2026

Q: 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.

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 22, 2026

Evergreen Credit Union's 15 month - Special CD of Deposit rates are at 4.04%, 12 Month CD rates are at 3.94%, 12 Month CD of Deposit rates are at 3.94%, 12 Month Youth CDs of Deposit rates are at 3.94%, 36 Month CD of Deposit rates are at 3.79%. Evergreen Credit Union's savings rates are at 0.25%. 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%, Vacation Home-First Mortgage - 3 Year ARM rates are at 5.49%, Vacation Home-First Mortgage - 5 Year ARM rates are at 5.99%, Primary Home-First Mortgage - 15 Year Fixed rates are at 6.50%. Evergreen Credit Union's Personal Loan Rates are as low as 4.00%. Evergreen Credit Union's Credit Card Rates are at 9.90%. 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 4.69%. Rates last updated and verified on 09/22/2026.

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: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.69%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Evergreen Credit Union
Evergreen Credit Union

1500 W American Dr
Neenah, WI 54956

https://www.evergreencu.com

Evergreen Credit Union CD Rates

Product	Rate	APY	Term
15 month - Special Certificate of Deposit	4.00%	4.04%	15 Months
Min Balance $5,000 Details APY is based upon an assumption that dividends will remain in the account until maturity. Dividends paid semi-annually and at maturity. Early withdrawal penalties may apply. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
12 Month CD Certificate	-	3.94%	12 Month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
12 Month Certificate of Deposit	3.90%	3.94%	12 months
Min Balance $1,000 Details APY is based upon an assumption that dividends will remain in the account until maturity. Dividends paid semi-annually and at maturity. Early withdrawal penalties may apply. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
12 Month Youth Certificates of Deposit	3.90%	3.94%	12 months
Min Deposit $25 Min Balance $25 Details Youth Certificates (Sapling Certificates) are available for members 17 and younger to open. Youth Certificates may deposit additional money at any time. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
36 Month Certificate of Deposit	3.75%	3.79%	36 months
Min Balance $1,000 Details APY is based upon an assumption that dividends will remain in the account until maturity. Dividends paid semi-annually and at maturity. Early withdrawal penalties may apply. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
60 Month Certificate of Deposit	3.75%	3.79%	60 months
Min Balance $5,000 Details APY is based upon an assumption that dividends will remain in the account until maturity. Dividends paid semi-annually and at maturity. Early withdrawal penalties may apply. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
24 Month Certificate of Deposit	3.65%	3.68%	24 months
Min Balance $1,000 Details APY is based upon an assumption that dividends will remain in the account until maturity. Dividends paid semi-annually and at maturity. Early withdrawal penalties may apply. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
6 Month Certificate of Deposit	2.25%	2.26%	6 months
Min Balance $1,000 Details APY is based upon an assumption that dividends will remain in the account until maturity. Dividends paid semi-annually and at maturity. Early withdrawal penalties may apply. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%

Evergreen Credit Union Savings Rates

Product	Rate	APY
Back to School Savings	0.50%	0.50%
Min Balance $0 Details 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. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
Mistletoe Savings	0.50%	0.50%
Min Balance $0 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
Adventure Savings	0.25%	0.25%
Min Balance $100 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
Seed Savings	0.25%	0.25%
Min Balance $100 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%

Evergreen Credit Union Checking Rates

Product	Rate	APY
Extra Green Checking Tier 1	4.00%	4.00%
Min Balance $0 Details Qualifications Required: 10 point of sale purchases using your Evergreen Credit Union debit card that post and clear your Extra Green checking account; 1 direct deposit post to your Extra Green checking account; 1 online/mobile banking login; enrolled in eStatements; Balance: up to $10,000***; Rates effective 09/16/2026. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
Monarch Checking	0.10%	0.10%
Min Balance $400 Details Qualifications Required: e-Statements enrollment; one ACH direct deposit into your Monarch Checking monthly; Rates effective 09/16/2026. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
Extra Green Checking Tier 2	0.01%	0.01%
Min Balance $0 Details Balance: $10,000.01 and up; Rates effective 09/16/2026. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
Extra Green Checking Tier 3	0.01%	0.01%
Min Balance $0 Details Balance: $0.01 and up; Rates effective 09/16/2026. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%

Evergreen Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Primary Home-First Mortgage - 3 Year ARM	4.99%	-	5.03%	3 Year
Details APR includes $399 in origination costs. Estimated closing costs of $800 and may be financed. Proof of property insurance is required prior to closing. Rates effective 09/16/2026. APR is based on <= 80% loan to value. Terms up to 30 years. First mortgage rates available for 80.01 - 90% loan to value. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
Primary Home-First Mortgage - 5 Year ARM	5.24%	-	5.28%	5 Year
Details APR includes $399 in origination costs. Estimated closing costs of $800 and may be financed. Proof of property insurance is required prior to closing. Rates effective 09/16/2026. APR is based on <= 80% loan to value. Terms up to 30 years. First mortgage rates available for 80.01 - 90% loan to value. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
Vacation Home-First Mortgage - 3 Year ARM	-	-	5.49%	3 Year
Details As Low As; Annual Percentage Rate. 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 and may be financed. Contact a loan officer for more details. For lowest rates, checking with direct deposit and automatic payments required at Evergreen Credit Union. Rates effective 09/16/2026. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
Vacation Home-First Mortgage - 5 Year ARM	-	-	5.99%	5 Year
Details As Low As; Annual Percentage Rate. 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 and may be financed. Contact a loan officer for more details. For lowest rates, checking with direct deposit and automatic payments required at Evergreen Credit Union. Rates effective 09/16/2026. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
Primary Home-First Mortgage - 15 Year Fixed	6.50%	-	6.56%	15 Year
Details APR is based on <= 90% loan to value. For limited cash out refinance or purchase. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
Primary Home-First Mortgage - 30 Year Fixed	7.00%	-	7.04%	30 Year
Details APR is based on <= 90% loan to value and include $399.00 in origination costs. For limited cash out refinance or purchase. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%

Evergreen Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity 3 Year ARM	-	-	5.49%	3 Year
Details 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 and may be financed. Contact a loan officer for more details. For lowest rates, checking with direct deposit and automatic payments required at Evergreen Credit Union. Rates effective 09/16/2026. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
Home Equity 5 Year ARM	-	-	5.99%	5 Year
Details 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 and may be financed. Contact a loan officer for more details. For lowest rates, checking with direct deposit and automatic payments required at Evergreen Credit Union. Rates effective 09/16/2026. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
Home Equity Line of Credit	-	-	6.75%
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
Home Equity Line of Credit (HELOC)	-	-	7.00%
Details Rate: Prime Rate + 1% for loans with 80.01-90% loan to value. Maximum APR is 11.75% Minimum APR is 3.25%. Estimated closing costs of $147 and may be financed. An appraisal may be required with an estimated extra cost of $450. The minimum monthly payment is the greater of $50 or 1.5% of the outstanding balance as of the date of your last advance. Primary residences only. Consult your tax adviser for information on tax deductibility. Rates effective 09/16/2026. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
Home Equity Line of Credit (HELOC)	-	-	8.00%
Details Rate: Prime Rate + 1%. Maximum APR is 11.75% Minimum APR is 3.25%. Estimated closing costs of $147 and may be financed. An appraisal may be required with an estimated extra cost of $450. The minimum monthly payment is the greater of $50 or 1.5% of the outstanding balance as of the date of your last advance. Primary residences only. Consult your tax adviser for information on tax deductibility. Rates effective 09/16/2026. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%

Evergreen Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan - 2023 & newer - up to 4 years Loan	-	-	4.24%	up to 4 years
Details Additional 0.25% discount on Hybrid and Electric vehicles. Loan amount >$30,000 on current model year vehicles only. Merit based pricing in effect; actual rate may vary based on your credit score and account relationship (direct deposit and active checking). Rates effective 09/16/2026. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
Auto Loan - 2023 & newer - up to 5 years Loan	-	-	4.24%	up to 5 years
Details Additional 0.25% discount on Hybrid and Electric vehicles. Loan amount >$30,000 on current model year vehicles only. Merit based pricing in effect; actual rate may vary based on your credit score and account relationship (direct deposit and active checking). Rates effective 09/16/2026. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
New or Used Auto	-	-	4.24%
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
Vehicles, Boats & Campers - 2023 & newer Loan	-	-	4.24%	up to 4 years
Details Additional 0.25% APR discount on Hybrid and Electric vehicles - call for details; Loan amount >$30,000 on current model year vehicles only. Merit based pricing in effect; actual rate may vary based on your credit score and account relationship (direct deposit and active checking). Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
Vehicles, Boats & Campers - 2023 & newer Loan	-	-	4.24%	up to 5 years
Details Additional 0.25% APR discount on Hybrid and Electric vehicles - call for details; Loan amount >$30,000 on current model year vehicles only. Merit based pricing in effect; actual rate may vary based on your credit score and account relationship (direct deposit and active checking). Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
2021 & Newer Auto Loan	-	-	4.49%	up to 5 years
Details APR* as low as; Merit based pricing in effect; your actual rate may vary based on your credit score and account relationship (direct deposit and active checking). Rates effective 09/16/2026. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
2023 & Newer Auto Loan	-	-	4.49%	up to 5 years
Details As Low As; Merit based pricing in effect; your actual rate may vary based on your credit score and account relationship (direct deposit and active checking). Rates effective 09/16/2026. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
Auto Loan - 2020-2022 - up to 5 years Loan	-	-	4.49%	up to 5 years
Details Additional 0.25% discount on Hybrid and Electric vehicles. Loan amount >$30,000 on current model year vehicles only. Merit based pricing in effect; actual rate may vary based on your credit score and account relationship (direct deposit and active checking). Rates effective 09/16/2026. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
Auto Loan - 2023 & newer - up to 6 years Loan	-	-	4.49%	up to 6 years
Details Additional 0.25% discount on Hybrid and Electric vehicles. Loan amount >$30,000 on current model year vehicles only. Merit based pricing in effect; actual rate may vary based on your credit score and account relationship (direct deposit and active checking). Rates effective 09/16/2026. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
Vehicles, Boats & Campers - 2020-2022 Loan	-	-	4.49%	up to 5 years
Details Additional 0.25% APR discount on Hybrid and Electric vehicles - call for details; Merit based pricing in effect; actual rate may vary based on your credit score and account relationship (direct deposit and active checking). Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
Vehicles, Boats & Campers - 2023 & newer Loan	-	-	4.49%	up to 6 years
Details Additional 0.25% APR discount on Hybrid and Electric vehicles - call for details; Loan amount >$30,000 on current model year vehicles only. Merit based pricing in effect; actual rate may vary based on your credit score and account relationship (direct deposit and active checking). Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
Auto Loan - 2016-2019 - up to 4 years Loan	-	-	4.74%	up to 4 years
Details Additional 0.25% discount on Hybrid and Electric vehicles. Loan amount >$30,000 on current model year vehicles only. Merit based pricing in effect; actual rate may vary based on your credit score and account relationship (direct deposit and active checking). Rates effective 09/16/2026. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
Vehicles, Boats & Campers - 2016-2019 Loan	-	-	4.74%	up to 4 years
Details Additional 0.25% APR discount on Hybrid and Electric vehicles - call for details; Merit based pricing in effect; actual rate may vary based on your credit score and account relationship (direct deposit and active checking). Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
2020-2022 Auto Loan	-	-	4.99%	up to 5 years
Details As Low As; Merit based pricing in effect; your actual rate may vary based on your credit score and account relationship (direct deposit and active checking). Rates effective 09/16/2026. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
2016-2019 Auto Loan	-	-	5.99%	up to 4 years
Details As Low As; Merit based pricing in effect; your actual rate may vary based on your credit score and account relationship (direct deposit and active checking). Rates effective 09/16/2026. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
Auto Loan - 2015 & older - up to 3 years Loan	-	-	5.99%	up to 3 years
Details Additional 0.25% discount on Hybrid and Electric vehicles. Loan amount >$30,000 on current model year vehicles only. Merit based pricing in effect; actual rate may vary based on your credit score and account relationship (direct deposit and active checking). Rates effective 09/16/2026. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
Auto Loan - 2023 & newer - up to 7 years Loan	-	-	5.99%	up to 7 years
Details Additional 0.25% discount on Hybrid and Electric vehicles. Loan amount >$30,000 on current model year vehicles only. Merit based pricing in effect; actual rate may vary based on your credit score and account relationship (direct deposit and active checking). Rates effective 09/16/2026. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
Vehicles, Boats & Campers - 2015 & older Loan	-	-	5.99%	up to 3 years
Details Additional 0.25% APR discount on Hybrid and Electric vehicles - call for details; Merit based pricing in effect; actual rate may vary based on your credit score and account relationship (direct deposit and active checking). Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
Vehicles, Boats & Campers - 2023 & newer Loan	-	-	5.99%	up to 7 years**
Details Additional 0.25% APR discount on Hybrid and Electric vehicles - call for details; Loan amount >$30,000 on current model year vehicles only. Merit based pricing in effect; actual rate may vary based on your credit score and account relationship (direct deposit and active checking). Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
2015 & older Auto Loan	-	-	6.99%	up to 3 years
Details As Low As; Merit based pricing in effect; your actual rate may vary based on your credit score and account relationship (direct deposit and active checking). Rates effective 09/16/2026. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%

Evergreen Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Balloon Rates for Boats, Motor Homes, & Extendable Trailers - 2023 & Newer Loan	-	4.49%	up to 5 years
Details Merit based pricing in effect; your actual rate may vary based on your credit score and account relationship (direct deposit and active checking). Rates effective 09/16/2026. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
Balloon Rates for Boats, Motor Homes, & Extendable Trailers - 2020-2022 Loan	-	4.99%	up to 5 years
Details Merit based pricing in effect; your actual rate may vary based on your credit score and account relationship (direct deposit and active checking). Rates effective 09/16/2026. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
Balloon Rates for Boats, Motor Homes, & Extendable Trailers - 2016-2019 Loan	-	5.99%	up to 4 years
Details Merit based pricing in effect; your actual rate may vary based on your credit score and account relationship (direct deposit and active checking). Rates effective 09/16/2026. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
Balloon Rates for Boats, Motor Homes, & Extendable Trailers - 2015 & older Loan	-	6.99%	up to 3 years
Details Merit based pricing in effect; your actual rate may vary based on your credit score and account relationship (direct deposit and active checking). Rates effective 09/16/2026. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%

Evergreen Credit Union Credit Card Rates

Product	Rate	APR	View More
Platinum MasterCard	-	9.90%
Details APR range between 9.90% and 16.90% based on credit worthiness; your actual rate will be disclosed at time of approval. Minimum monthly payment of $20.00 or 3% of the outstanding balance, whichever is greater. No annual fee charged. Transfer your balances today with no balance transfer fee. Minimum of $100 must be transferred. Contact a loan officer for more details at (920)729-2999. Rates effective 09/16/2026. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%

Evergreen Credit Union Personal Loan Rates

Product	APR	Term
Signature Loans	4.00%	up to 3 years
Details Annual Percentage Rate. No credit check required. Rates effective 09/16/2026. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
Signature Loans	4.00%	up to CD maturity
Details Annual Percentage Rate. No credit check required. Rates effective 09/16/2026. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
Signature Loans	10.49%	3 Year
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
Signature Loans	12.99%	up to 6 months
Details single payment Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%

Evergreen Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Balloon Loan	-	-	4.99%	3 year
Details 2021 & newer; $15,000 minimum loan on balloon terms. Affordable terms from 10 to 30 years. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
Balloon Loan	-	-	5.99%	3 year
Details 2016-2020; $15,000 minimum loan on balloon terms. Affordable terms from 10 to 30 years. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
Balloon Loan	-	-	6.99%	3 year
Details 2015 & Older; $15,000 minimum loan on balloon terms. Affordable terms from 10 to 30 years. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
Construction Loans	-	-	5.74%	6 Month
Details APR is based on <=90% loan to value. Requires monthly interest payments. Contact a loan officer for more details. Rates effective 09/16/2026. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
Disaster Relief Loan	-	-	0.00%
Details For Existing Members Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
Kwik Cash Loan	-	-	12.90%
Details As Low As; Annual Percentage Rate Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
Solar Loan	-	-	6.99%	Up to 5 years
Details Solar projects on primary home only. No equity required. Some restrictions apply. Merit based price in effect; actual rate may vary based on your credit score. Terms up to 10 years. $20,000 maximum loan. Rates effective 09/16/2026. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
Money Manager	0.45%	-	0.45%
Min Balance $2,000 Details Balance: $2,000.00 to $9,999.99; Balances less than $2000 do not earn dividend. $250 minimum withdrawal. Individual Accounts only. No institutional or commercial deposits accepted. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
Money Manager	0.60%	-	0.60%
Min Balance $10,000 Details Balance: $10,000.00 to $14,999.99; Balances less than $2000 do not earn dividend. $250 minimum withdrawal. Individual Accounts only. No institutional or commercial deposits accepted. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
Money Manager	1.25%	-	1.25%
Min Balance $15,000 Details Balance: $15,000.00 to $24,999.99; Balances less than $2000 do not earn dividend. $250 minimum withdrawal. Individual Accounts only. No institutional or commercial deposits accepted. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
Money Manager	1.90%	-	1.90%
Min Balance $25,000 Details Balance: $25,000.00 and up; Balances less than $2000 do not earn dividend. $250 minimum withdrawal. Individual Accounts only. No institutional or commercial deposits accepted. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
Sub Shares	0.25%	-	0.25%
Min Balance $100 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
Super Money Manager	2.00%	-	2.00%
Min Balance $50,000 Details Balance: $50,000.00-$99,999.99; Individual Accounts only. No institutional or commercial deposits accepted. $500 minimum withdrawal. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
Super Money Manager	2.25%	-	2.25%
Min Balance $100,000 Details Balance: $100,000.00 and up; Individual Accounts only. No institutional or commercial deposits accepted. $500 minimum withdrawal. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
Traditional 12 Month CD	3.90%	-	3.94%	12 Month
Min Deposit $1,000 Min Balance $1,000 Details IRA: Traditional, Roth, & Coverdell Education Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
Traditional 24 Month CD	3.65%	-	3.68%	24 Month
Min Deposit $1,000 Min Balance $1,000 Details IRA: Traditional, Roth, & Coverdell Education Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%
Traditional IRA Savings	0.30%	-	0.30%
Min Balance $0 Details IRA: Traditional, Roth, & Coverdell Education Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.69%

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 Credit Union’s Texas Ratio rose from 2.38% in Q2 2023 to 4.69% in Q1 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
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+
June 30, 2023	$57M	2.38%	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 14

Part-Time Employees 2

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+ (98/100)

Texas Ratio

4.69%

Return on Assets (ROA)

0.1483%

Return on Equity (ROE)

1.0640%

Non-Performing Loans Ratio (NPL)

0.91%

Total Assets

63,890,835

Total Amount of Shares and Deposits

54,792,228

Total Shares and Deposits < 1 Year

53,513,520

Total Shares and Deposits 1 3 Years

1,278,708

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

2,338,115

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

2,338,115

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

52,454,113

Total Interest Expense (Sum of items 6 8)

199,278

Share Certificates

448

Number of Accounts for Share Drafts

2,528

IRA KEOGH Accounts

Number of Accounts for Regular Shares

5,081

Money Market Shares

247

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

94,748

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)

3,284,154

Total Liabilities

54,986,247

Source: NCUA — Last Updated 03/31/2026

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.

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 — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/evergreen-credit-union-rates-review-66395">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Evergreen Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Evergreen Credit Union

Frequently Asked Questions About Evergreen Credit Union

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.

Current Evergreen Credit Union Rates

12-Month CD3.94%
24-Month CD3.68%
60-Month CD3.79%
Savings0.25%

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

Compare to Other Credit Unions

Evergreen Credit Union Rates & Review September 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

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?

Current Evergreen Credit Union Rates

Compare to Other Credit Unions