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EvergreenDIRECT Credit Union Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
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.
Read Full Bio →
| iEditorial Disclosure
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 10, 2026

EvergreenDIRECT Credit Union's top rates as of October 10, 2026 are 2.25% APY on its 12 Month CDs CD, 0.10% APY on savings, 1.26% APY on money market accounts, 1.26% APY on checking, auto loans from 10.25% APR, and credit cards from 10.00% APR, according to rates verified by MonitorBankRates. Other EvergreenDIRECT Credit Union CD rates include Save to Win 12 month at 2.25%, 24 Month CDs at 2.00%, and 36 Month CDs at 1.75%. MonitorBankRates evaluates the financial stability of EvergreenDIRECT Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.61%. Rates last updated and verified on 10/10/2026.

EvergreenDIRECT 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 EvergreenDIRECT Credit Union? Share your experience about EvergreenDIRECT Credit Union by leaving a review below, or read customer reviews before you decide to use EvergreenDIRECT Credit Union.

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
2.61%
Excellent Lower than avg
Health Trend ?
Improving 12 quarters
Full history ›
EvergreenDIRECT Credit Union
EvergreenDIRECT CU
6001 Capitol Blvd SW
Tumwater, WA 98501-5290
https://www.evergreendirect.org
Member NCUA
Customer Reviews
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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.

EvergreenDIRECT Credit Union CD Rates

Product Rate APY Term View More
12 Month Share Certificates 2.22% 2.25% 12 Months
Min Balance $1,000
Details Balance: $1,000 - $49,999.99
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 6 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
12 Month Share Certificates 2.22% 2.25% 12 Months
Min Balance $50,000
Details Balance: $50,000 +
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 6 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Save to Win 12 month 2.22% 2.25% 12 Months
Min Balance $25
Details Balance: $25 - $50,000+
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 6 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
24 Month Share Certificates 1.98% 2.00% 24 Months
Min Balance $1,000
Details Balance: $1,000 - $49,999.99
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
24 Month Share Certificates 1.98% 2.00% 24 Months
Min Balance $50,000
Details Balance: $50,000 +
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
36 Month Share Certificates 1.73% 1.75% 36 Months
Min Balance $1,000
Details Balance: $1,000 - $49,999.99
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 7 times
1.25%1.75%2.25%Sep 14, 2026: 1.75% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
36 Month Share Certificates 1.73% 1.75% 36 Months
Min Balance $50,000
Details Balance: $50,000 +
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 7 times
1.25%1.75%2.25%Sep 14, 2026: 1.75% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
48 Month Share Certificates 1.49% 1.50% 48 Months
Min Balance $1,000
Details Balance: $1,000 - $49,999.99
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 7 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
48 Month Share Certificates 1.49% 1.50% 48 Months
Min Balance $50,000
Details Balance: $50,000 +
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 7 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
60 Month Share Certificates 1.24% 1.25% 60 Months
Min Balance $1,000
Details Balance: $1,000 - $49,999.99
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 7 times
0.75%1.25%1.75%Sep 14, 2026: 1.25% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
60 Month Share Certificates 1.24% 1.25% 60 Months
Min Balance $50,000
Details Balance: $50,000 +
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 7 times
0.75%1.25%1.75%Sep 14, 2026: 1.25% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%

EvergreenDIRECT Credit Union Savings Rates

Product Rate APY View More
Rock E. Raccoon Savings 0.10% 0.10%
Min Balance $25
Details Minimum balance to maintain: $5
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Limited Auxiliary Savings 0.05% 0.05%
Min Balance $100
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Savings Account 0.05% 0.05%
Min Balance $250
Details Minimum balance to maintain: $5
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Unlimited Auxiliary Savings 0.05% 0.05%
Min Balance $250
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%

EvergreenDIRECT Credit Union Money Market Rates

Product Rate APY View More
Money Market Accounts 1.25% 1.26%
Min Balance $75,000
Details Balance: $75,000.00 and over
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 1.26% APY · checked 6 times
0.76%1.26%1.76%Sep 14, 2026: 1.26% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Money Market Accounts 0.60% 0.60%
Min Balance $50,000
Details Balance: $50,000.00 - $74,999.99
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 6 times
0.10%0.60%1.10%Sep 14, 2026: 0.60% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Money Market Accounts 0.50% 0.50%
Min Balance $35,000
Details Balance: $35,000.00 - $49,999.99
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 6 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Money Market Accounts 0.40% 0.40%
Min Balance $20,000
Details Balance: $20,000.00 - $34,999.99
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 6 times
0.00%0.45%0.90%Sep 14, 2026: 0.40% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Money Market Accounts 0.35% 0.35%
Min Balance $10,000
Details Balance: $10,000.00 - $19,999.99
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 6 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Money Market Accounts 0.30% 0.30%
Min Balance $2,500
Details Balance: $2,500.00 - $9,999.99
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 6 times
0.00%0.40%0.80%Sep 14, 2026: 0.30% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%

EvergreenDIRECT Credit Union Checking Rates

Product Rate APY View More
Checking Accounts 1.25% 1.26%
Min Balance $75,000
Details Balance: $75,000.00 and over
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 1.26% APY
0.76%1.26%1.76%Oct 10, 2026: 1.26% APYOct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Checking Accounts 0.60% 0.60%
Min Balance $50,000
Details Balance: $50,000.00 - $74,999.99
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 0.60% APY
0.10%0.60%1.10%Oct 10, 2026: 0.60% APYOct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Checking Accounts 0.50% 0.50%
Min Balance $35,000
Details Balance: $35,000.00 - $49,999.99
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 0.50% APY
0.00%0.50%1.00%Oct 10, 2026: 0.50% APYOct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Checking Accounts 0.40% 0.40%
Min Balance $20,000
Details Balance: $20,000.00 - $34,999.99
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 0.40% APY
0.00%0.45%0.90%Oct 10, 2026: 0.40% APYOct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Checking Accounts 0.35% 0.35%
Min Balance $10,000
Details Balance: $10,000.00 - $19,999.99
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 0.35% APY
0.00%0.43%0.85%Oct 10, 2026: 0.35% APYOct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Checking Accounts 0.30% 0.30%
Min Balance $2,500
Details Balance: $2,500.00 - $9,999.99
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 0.30% APY
0.00%0.40%0.80%Oct 10, 2026: 0.30% APYOct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%

EvergreenDIRECT Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Loan - - 7.00% 10 Years
Details LTV: 70.00%
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 7.00% APR · checked 7 times
6.50%7.00%7.50%Sep 14, 2026: 7.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Home Equity Line of Credit - - 7.25% 10 Years
Details LTV: 80.00%
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 7.25% APR
6.75%7.25%7.75%Oct 10, 2026: 7.25% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Home Equity Loan - - 7.75% 10 Years
Details LTV: 85.00%
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 7.75% APR · checked 7 times
7.25%7.75%8.25%Sep 14, 2026: 7.75% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Home Suite Home Equity Line of Credit - - 8.25% 10 Years
Details LTV: 100%
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 8.25% APR
7.75%8.25%8.75%Oct 10, 2026: 8.25% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Home Suite Home Equity Loan - - 8.75% Up to 10 Years
Details LTV: 100%
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 8.75% APR · checked 7 times
8.25%8.75%9.25%Sep 14, 2026: 8.75% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Home Suite Home Equity Loan - - 9.50% 10 Years and over
Details LTV: 100%
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 9.50% APR · checked 7 times
9.00%9.50%10.00%Sep 14, 2026: 9.50% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Home Suite Home Equity Loan - - 10.00% Up to 10 Years
Details LTV: 115%
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 10.00% APR · checked 7 times
9.50%10.00%10.50%Sep 14, 2026: 10.00% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Home Suite Home Equity Loan - - 10.75% 10 Years and over
Details LTV: 115%
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 10.75% APR · checked 7 times
10.25%10.75%11.25%Sep 14, 2026: 10.75% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%

EvergreenDIRECT Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New/Used Auto Loans - - 10.25%
Details Rates quoted assumes discount for automated payments via payroll deduction or transfer. No other discounts apply. Rate is based on term, age of collateral, and loan to value. Variable rate products subject to rate change after account is opened. Rates are subject to change at anytime. All loan rates are based on Annual Percentage Rate (APR).
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 10.25% APR · checked 5 times
9.75%10.25%10.75%Sep 18, 2026: 10.25% APRSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%

EvergreenDIRECT Credit Union RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
Boat & Recreational Vehicle Loans - 6.49% 36 Months
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 6.49% APR · checked 4 times
5.99%6.49%6.99%Sep 14, 2026: 6.49% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Boat & Recreational Vehicle Loans - 6.74% 48 Months
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 6.74% APR · checked 5 times
6.24%6.74%7.24%Sep 14, 2026: 6.74% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Boat & Recreational Vehicle Loans - 6.99% 60 Months
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 6 times
6.49%6.99%7.49%Sep 14, 2026: 6.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Boat & Recreational Vehicle Loans - 7.25% 72 Months
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 7.25% APR · checked 6 times
6.75%7.25%7.75%Sep 14, 2026: 7.25% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Boat & Recreational Vehicle Loans - 7.99% 84 Months
No additional details.
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 6 times
7.49%7.99%8.49%Sep 14, 2026: 7.99% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%

EvergreenDIRECT Credit Union Credit Card Rates

Product Rate APR View More
Visa Credit Card - 10.00%
Details Late Payment: Up to $20.00; Cash Advance Fee: (the $2 overdraft protection transfer fee does apply); Min. Credit Line: $500; Max. Credit Line: $30,000
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 9.75% → 10.00% ▲ 0.25 pts · high 10.00% / low 9.75%
9.25%9.88%10.50%Sep 14, 2026: 9.75% APROct 10, 2026: 10.00% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 202610.00%▲ from 9.75%
  • Sep 14, 20269.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Perks Credit Card - 10.25%
Details APR=Annual Percentage Rate
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 10.25% APR · checked 6 times
9.75%10.25%10.75%Sep 14, 2026: 10.25% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Perks Visa Credit Card - 10.25%
Details Rates as low as 10.50% APR*; No balance transfer fees, cash back rewards, Tap to Pay security, and more - get a card today!
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 10.25% APR · checked 6 times
9.75%10.25%10.75%Sep 14, 2026: 10.25% APRSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
VISA Platinum/Perks - 10.50%
Details APR for Purchases (as low as/variable rate)
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 10.25% → 10.50% ▲ 0.25 pts · high 10.50% / low 10.25%
9.75%10.38%11.00%Sep 14, 2026: 10.25% APROct 10, 2026: 10.50% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 202610.50%▲ from 10.25%
  • Sep 14, 202610.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%

EvergreenDIRECT Credit Union Other Rates

Product Rate Points APY/APR Term View More
Credit Line Loan - - 10.00%
Details Up to $20.00; (the $2 overdraft protection transfer fee does apply); $30,000
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 9.75% → 10.00% ▲ 0.25 pts · high 10.00% / low 9.75%
9.25%9.88%10.50%Sep 14, 2026: 9.75% APROct 10, 2026: 10.00% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 202610.00%▲ from 9.75%
  • Sep 14, 20269.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Holiday Loan Special - - 7.99%
Details Easily borrow up to $5,000 at a low rate
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 7.99% APR
7.49%7.99%8.49%Oct 10, 2026: 7.99% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Skip To Main Content Loan - - 10.00% Up to 10 Years
Details LTV: 115%
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 10.00% APR
9.50%10.00%10.50%Oct 10, 2026: 10.00% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Skip To Main Content Loan - - 10.75% 10 Years and over
Details LTV: 115%
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 10.75% APR
10.25%10.75%11.25%Oct 10, 2026: 10.75% APROct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Coverdell Education Savings Account 0.25% - 0.25%
Min Balance $250
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 4 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Individual Retirement Accounts (IRAs) 0.25% - 0.25%
Min Balance $250
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 5 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Kasasa Cash Checking 3.93% - 4.00%
Min Balance $0
Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: 0 - $25,000
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Kasasa Cash Checking 0.05% - 0.05%
Min Balance $25,000
Details Balance: $25,000+
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 18, 2026: 0.05% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Kasasa Cash Checking - - 4.00%
Min Deposit $0
Min Balance $25,000
Details Qualifications Required: 12 Debit card purchases with a minimum purchase of $3 per transaction; at least one (1) ACH Debit Payment or eDCU BillPay transaction(s); enrolled in and log in to Online Banking monthly; receipt of electronic statements monthly; 0.05% APY on balances over $25,000; 0.05% APY if qualifications aren't met; Refunds on ATM withdrawal fees, nationwide; Monthly Maintenance Fee; Free Online & Mobile Banking Access?; Free Debit Card?
Last Updated 10/10/2026
Rate History
1 change since Sep 18, 2026 · 0.05% → 4.00% ▲ 3.95 pts · high 4.00% / low 0.05%
0.00%3.98%7.95%Sep 18, 2026: 0.05% APYSep 27, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20264.00%▲ from 0.05%
  • Sep 18, 20260.05%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Kasasa Cash Checking - - 0.05%
Min Deposit $0
Min Balance $25,000
Details Qualifications Required: 12 Debit card purchases with a minimum purchase of $3 per transaction; at least one (1) ACH Debit Payment or eDCU BillPay transaction(s); enrolled in and log in to Online Banking monthly; receipt of electronic statements monthly; 0.05% APY on balances over $25,000; 0.05% APY if qualifications aren't met; Refunds on ATM withdrawal fees, nationwide; Monthly Maintenance Fee; Free Online & Mobile Banking Access?; Free Debit Card?
Last Updated 10/10/2026
Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Sep 27, 2026: 0.05% APYSep 27, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Kasasa Eats 12 Month Certificate Checking 2.22% - 2.25% 12 Months
Min Balance $1,000
Details Balance: $1,000 - $49,999.99
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 2.25% APY
1.75%2.25%2.75%Oct 10, 2026: 2.25% APYOct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Kasasa Eats 12 Month Certificate Checking 2.22% - 2.25% 12 Months
Min Balance $50,000
Details Balance: $50,000 +
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 2.25% APY
1.75%2.25%2.75%Oct 10, 2026: 2.25% APYOct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Kasasa Eats 24 Month Certificate Checking 1.98% - 2.00% 24 Months
Min Balance $1,000
Details Balance: $1,000 - $49,999.99
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 10, 2026: 2.00% APYOct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Kasasa Eats 24 Month Certificate Checking 1.98% - 2.00% 24 Months
Min Balance $50,000
Details Balance: $50,000 +
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 10, 2026: 2.00% APYOct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Kasasa Eats 36 Month Certificate Checking 1.73% - 1.75% 36 Months
Min Balance $1,000
Details Balance: $1,000 - $49,999.99
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 1.75% APY
1.25%1.75%2.25%Oct 10, 2026: 1.75% APYOct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Kasasa Eats 36 Month Certificate Checking 1.73% - 1.75% 36 Months
Min Balance $50,000
Details Balance: $50,000 +
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 1.75% APY
1.25%1.75%2.25%Oct 10, 2026: 1.75% APYOct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Kasasa Eats 48 Month Certificate Checking 1.49% - 1.50% 48 Months
Min Balance $1,000
Details Balance: $1,000 - $49,999.99
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 1.50% APY
1.00%1.50%2.00%Oct 10, 2026: 1.50% APYOct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Kasasa Eats 48 Month Certificate Checking 1.49% - 1.50% 48 Months
Min Balance $50,000
Details Balance: $50,000 +
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 1.50% APY
1.00%1.50%2.00%Oct 10, 2026: 1.50% APYOct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Kasasa Eats 60 Month Certificate Checking 1.24% - 1.25% 60 Months
Min Balance $1,000
Details Balance: $1,000 - $49,999.99
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 1.25% APY
0.75%1.25%1.75%Oct 10, 2026: 1.25% APYOct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Kasasa Eats 60 Month Certificate Checking 1.24% - 1.25% 60 Months
Min Balance $50,000
Details Balance: $50,000 +
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 1.25% APY
0.75%1.25%1.75%Oct 10, 2026: 1.25% APYOct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Kasasa Eats Save to Win 12 Months Checking 2.22% - 2.25% 12 Months
Min Balance $25
Details Balance: $25 - $50,000+
Last Updated 10/10/2026
Rate History
No change since Oct 10, 2026 · 2.25% APY
1.75%2.25%2.75%Oct 10, 2026: 2.25% APYOct 10, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Kasasa Saver Savings 0.99% - 1.00%
Min Balance $0
Details Balance: 0 - $25,000
Last Updated 10/10/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Kasasa Saver Savings 0.05% - 0.05%
Min Balance $25,000
Details Balance: $25,000+
Last Updated 10/10/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 18, 2026: 0.05% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Kasasa Saver Savings 0.05% - 0.05%
Min Balance $0
Details All balances if qualifications not met
Last Updated 10/10/2026
Rate History
1 change since Sep 14, 2026 · 1.00% → 0.05% ▼ 0.95 pts · high 1.00% / low 0.05%
0.00%0.98%1.95%Sep 14, 2026: 1.00% APYSep 18, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20260.05%▼ from 1.00%
  • Sep 14, 20261.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
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

EvergreenDIRECT Credit Union’s Texas Ratio fell from 4.12% in Q3 2023 to 2.61% in Q2 2026, so its financial health has improved and is now 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.

0% 1.0★ 1.9% 2.0★ 3.9% 3.0★ 5.8% 4.0★ 7.8% 5.0★ Healthy zone – entire history below the 15% limit 4.12% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 2.61% A+ Q2 2026
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
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$76M2.61%5.0A+
March 31, 2026$78M1.41%5.0A+
December 31, 2025$77M4.00%5.0A+
September 30, 2025$80M3.26%5.0A+
June 30, 2025$78M3.37%5.0A+
March 31, 2025$80M4.11%5.0A+
December 31, 2024$78M5.67%5.0A+
September 30, 2024$79M5.76%5.0A+
June 30, 2024$78M4.96%5.0A+
March 31, 2024$79M4.66%5.0A+
December 31, 2023$76M5.64%5.0A+
September 30, 2023$76M4.12%5.0A+
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 EvergreenDIRECT 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 EvergreenDIRECT 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 EvergreenDIRECT Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name EvergreenDIRECT Credit Union
Website https://www.evergreendirect.org
Address 6001 Capitol Blvd SW, Tumwater, WA 98501-5290
Phone 360-943-7676
Fax 360-943-6065
President Amy Tiemeyer
CEO JohnPaul McGee
Full-Time Employees 25
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+ (99/100)
Texas Ratio
2.61%
Return on Assets (ROA)
0.0171%
Return on Equity (ROE)
0.1494%
Non-Performing Loans Ratio (NPL)
0.63%
Total Assets
75,624,220
Total Amount of Shares and Deposits
68,901,451
Total Shares and Deposits < 1 Year
67,575,955
Total Shares and Deposits 1 3 Years
1,198,765
Total Shares and Deposits > 3 Years
126,731
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
3,001,287
Total Uninsured Shares and Deposits > $250K (F+J)
3,001,287
Total Insured Shares and Deposits > $250K (item 17 less item K)
65,900,164
Total Interest Expense (Sum of items 6 8)
282,788
Share Certificates
490
Number of Accounts for Share Drafts
3,620
IRA KEOGH Accounts
122
Number of Accounts for Regular Shares
6,666
Money Market Shares
192
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)
6,145,723
Total Liabilities
69,685,100
Source: NCUA — Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

EvergreenDIRECT 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.

<a href="https://monitorbankrates.com/credit-unions/evergreendirect-credit-union-rates-review-68546">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 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 EvergreenDIRECT Credit Union yet. Feel free to create one below.
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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About EvergreenDIRECT Credit Union

How many branches does EvergreenDIRECT Credit Union operate?

EvergreenDIRECT 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 EvergreenDIRECT Credit Union?

Yes, to access services at EvergreenDIRECT 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, EvergreenDIRECT 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, EvergreenDIRECT Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does EvergreenDIRECT Credit Union offer online and mobile banking?

Most modern institutions like EvergreenDIRECT 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.evergreendirect.org.

Current EvergreenDIRECT Credit Union Rates

  • 12-Month CD2.25%
  • 24-Month CD2.00%
  • 60-Month CD1.25%
  • Savings0.10%
  • MMA1.26%
Retrieved from our database of financial products. Rates subject to change.

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