What are the current interest rates at Ever $ Green Federal Credit Union?

Current rates for Ever $ Green Federal Credit Union include: 12-Month CD: 3.75%, 24-Month CD: 3.00%, 60-Month CD: 2.25%, Savings: 0.05%, MMA: 0.40%

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Ever $ Green Federal Credit Union

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Ever $ Green Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Ever $ Green Federal 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 4, 2026

Ever $ Green Federal Credit Union's 6 to 11 month rates are at 3.90%, 12 month to 23 month rates are at 3.75%, 3 to 5 month rates are at 3.50%, 24 month to 35 month rates are at 3.00%, 48 month to 59 month rates are at 2.25%. Ever $ Green Federal Credit Union's savings rates are at 0.05%. Ever $ Green Federal Credit Union's money market rates are at 0.40%. Ever $ Green Federal Credit Union's Personal Loan Rates are at 8.50%. MonitorBankRates evaluates the financial stability of Ever $ Green Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.83%. Rates last updated and verified on 09/04/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

11.83%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Ever $ Green Federal Credit Union
Main Office

2215 E Henrietta Rd
Rochester, NY 14623

https://www.evergreenfcu.com

Ever $ Green Federal Credit Union CD Rates

Product	Rate	APY	Term
6 to 11 month	3.83%	3.90%	6 to 11 Months
Min Deposit $500 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
12 month to 23 month	3.69%	3.75%	12
Min Deposit $500 Details Term: 12 Months to 23 Months Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
3 to 5 month	3.45%	3.50%	3 to 5 Months
Min Deposit $500 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
24 month to 35 month	2.96%	3.00%	24
Min Deposit $500 Details Term: 24 Months to 35 Months Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
48 month to 59 month	2.23%	2.25%	48
Min Deposit $500 Details Term: 48 Months to 59 Months Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
60 Month Certificate	2.23%	2.25%	60 Months
Min Deposit $500 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
36 month to 47 month	1.98%	2.00%	36
Min Deposit $500 Details Term: 36 Months to 47 Months Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%

Ever $ Green Federal Credit Union Savings Rates

Product	Rate	APY
Club Savings	0.15%	0.15%
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
Savings (Share)	0.05%	0.05%
No additional details. Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%

Ever $ Green Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	1.10%	1.10%
Min Balance $50,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
Money Market Account	0.95%	0.95%
Min Balance $25,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
Money Market Account	0.75%	0.75%
Min Balance $10,000 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
Money Market Account	0.55%	0.55%
Min Balance $2,500 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
Money Market Account	0.40%	0.40%
Min Balance $0 Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%

Ever $ Green Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	-	-	6.00%	36 to 60 Months
Details 85% LTV Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
Home Equity Loan	-	-	6.25%	36 to 60 Months
Details 90% LTV Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
Home Equity Loan	-	-	6.50%	61 to 120 Months
Details 85% LTV Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
Home Equity Loan	-	-	6.75%	61 to 120 Months
Details 90% LTV Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
Home Equity Loan	-	-	7.00%	121 to 180 Months
Details 85% LTV Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
Home Equity Loan	-	-	7.25%	121 to 180 Months
Details 90% LTV Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%

Ever $ Green Federal Credit Union Personal Loan Rates

Product	APR	Term
Signature Loans - Personal	8.50%	0 to 24 Months
Details As Low As Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
Signature Loans - Personal	8.99%	Revolving Line-of-Cr
Details Term: Revolving Line-of-Credit; As Low As Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
Signature Loans - Personal	9.25%	25 to 48 Months
Details As Low As Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%
Signature Loans - Personal	10.25%	49 to 60 Months
Details As Low As Last Updated 09/04/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.83%

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

Ever $ Green Federal Credit Union’s Texas Ratio rose from 2.31% in Q2 2023 to 11.83% in Q1 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 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the amber line marks the 15% level a credit union must stay under to qualify 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 Grade15% Verified Healthy threshold

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	$72M	11.83%	5.0	A
December 31, 2025	$69M	10.83%	5.0	A
September 30, 2025	$71M	8.65%	5.0	A
June 30, 2025	$73M	7.29%	5.0	A
March 31, 2025	$71M	6.27%	5.0	A
December 31, 2024	$70M	5.57%	5.0	A+
September 30, 2024	$69M	3.98%	5.0	A+
June 30, 2024	$73M	3.97%	5.0	A+
March 31, 2024	$72M	3.07%	5.0	A+
December 31, 2023	$70M	3.87%	5.0	A+
September 30, 2023	$70M	4.07%	5.0	A+
June 30, 2023	$71M	2.31%	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 Ever $ Green 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 Ever $ Green 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 Ever $ Green Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Ever $ Green Federal Credit Union

Website https://www.evergreenfcu.com

Address 2215 E Henrietta Rd, Rochester, NY 14623

Phone 585-334-2710

Fax 585-334-7201

President Paula Sharlow

CEO Stephen Daggs

Full-Time Employees 17

Part-Time Employees 0

Branch Locations 2

ATM Locations 1

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (94/100)

Texas Ratio

11.83%

Return on Assets (ROA)

-0.3942%

Return on Equity (ROE)

-4.0878%

Non-Performing Loans Ratio (NPL)

2.26%

Total Assets

71,933,577

Total Amount of Shares and Deposits

65,961,573

Total Shares and Deposits < 1 Year

62,235,645

Total Shares and Deposits 1 3 Years

3,691,657

Total Shares and Deposits > 3 Years

34,271

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

2,955,918

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

2,955,918

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

63,005,655

Total Interest Expense (Sum of items 6 8)

249,407

Share Certificates

589

Number of Accounts for Share Drafts

2,355

IRA KEOGH Accounts

Number of Accounts for Regular Shares

6,040

Non Member Deposits

Money Market Shares

378

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

-283,576

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)

6,662,313

Total Liabilities

66,075,627

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Ever $ Green Federal Credit Union earned the Verified Healthy badge

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

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

Customer Reviews

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Frequently Asked Questions About Ever $ Green Federal Credit Union

How many branches does Ever $ Green Federal Credit Union operate?

Ever $ Green 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 Ever $ Green Federal Credit Union?

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

Does Ever $ Green Federal Credit Union offer online and mobile banking?

Most modern institutions like Ever $ Green 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.evergreenfcu.com.