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EvergreenDIRECT 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 14, 2026
EvergreenDIRECT Credit Union's top rates as of October 14, 2026 are 2.25% APY on its 12 Month CD - Save to Win, 0.10% APY on savings, 1.26% APY on money market accounts, personal loans from 9.45% APR, and credit cards from 10.00% APR, according to rates verified by MonitorBankRates. Other EvergreenDIRECT Credit Union CD rates include CDs 12 month at 2.25%, CDs Save to Win 12 month at 2.25%, and CDs 24 month at 2.00%. 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 10/14/2026.
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.
EvergreenDIRECT Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
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
EvergreenDIRECT 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
?
2.61%
ExcellentLower than avg
EvergreenDIRECT Credit Union Texas Ratio
EvergreenDIRECT Credit Union's Texas Ratio is 2.61%, which is considered excellent and is lower than the national average of 6.13%.
EvergreenDIRECT Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
4.12% to 2.61% over 12 quarters, improvingFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has improved and is now 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.
EvergreenDIRECT Credit Union CD Rates
Product
Rate
APY
Term
View More
12 Month Share Certificate - Save to Win
2.22%
2.25%
12 Months
Min Balance$25
DetailsBalance: $25 - $50,000+
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 2.25% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Share Certificates 12 month
2.22%
2.25%
12 Months
Min Deposit$1,000
Min Balance$1,000
DetailsBalance: $1,000 - $49,999.99
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Share Certificates 12 month
2.22%
2.25%
12 Months
Min Deposit$1,000
Min Balance$50,000
DetailsBalance: $50,000 and over
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Share Certificates Save to Win 12 month
2.22%
2.25%
12 Months
Min Deposit$25
Min Balance$25
DetailsBalance: $25 - $50,000+
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 2.25% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Share Certificates 24 month
1.98%
2.00%
24 Months
Min Deposit$1,000
Min Balance$1,000
DetailsBalance: $1,000 - $49,999.99
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Share Certificates 24 month
1.98%
2.00%
24 Months
Min Deposit$1,000
Min Balance$50,000
DetailsBalance: $50,000 and over
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Share Certificates 36 month
1.73%
1.75%
36 Months
Min Deposit$1,000
Min Balance$1,000
DetailsBalance: $1,000 - $49,999.99
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Share Certificates 36 month
1.73%
1.75%
36 Months
Min Deposit$1,000
Min Balance$50,000
DetailsBalance: $50,000 and over
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Share Certificates 48 month
1.49%
1.50%
48 Months
Min Deposit$1,000
Min Balance$1,000
DetailsBalance: $1,000 - $49,999.99
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Share Certificates 48 month
1.49%
1.50%
48 Months
Min Deposit$1,000
Min Balance$50,000
DetailsBalance: $50,000 and over
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Share Certificates 60 month
1.24%
1.25%
60 Months
Min Deposit$1,000
Min Balance$1,000
DetailsBalance: $1,000 - $49,999.99
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Share Certificates 60 month
1.24%
1.25%
60 Months
Min Deposit$1,000
Min Balance$50,000
DetailsBalance: $50,000 and over
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 8 times
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
DetailsMinimum balance to earn dividends: $25; $5 to maintain
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Limited Auxiliary Savings
0.05%
0.05%
Min Balance$100
DetailsMinimum balance to earn dividends: $100
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Savings Account
0.05%
0.05%
Min Balance$250
DetailsMinimum balance to earn dividends: $250; $5 to maintain
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Unlimited Auxiliary Savings
0.05%
0.05%
Min Balance$250
DetailsMinimum balance to earn dividends: $250
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 7 times
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 Deposit$2,500
Min Balance$75,000
DetailsBalance: $75,000.00 and up; $2,500 minimum deposit to open
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 1.26% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Money Market Accounts
0.60%
0.60%
Min Deposit$2,500
Min Balance$50,000
DetailsBalance: $50,000.00 and up; $2,500 minimum deposit to open
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Money Market Accounts
0.50%
0.50%
Min Deposit$2,500
Min Balance$35,000
DetailsBalance: $35,000.00 and up; $2,500 minimum deposit to open
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Money Market Accounts
0.40%
0.40%
Min Deposit$2,500
Min Balance$20,000
DetailsBalance: $20,000.00 - $34,999.99; $2,500 minimum deposit to open
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Money Market Accounts
0.35%
0.35%
Min Deposit$2,500
Min Balance$10,000
DetailsBalance: $10,000.00 - $19,999.99; $2,500 minimum deposit to open
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Money Market Accounts
0.30%
0.30%
Min Deposit$2,500
Min Balance$2,500
DetailsBalance: $2,500.00 - $9,999.99; $2,500 minimum deposit to open
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 7 times
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 Loans
-
-
7.00%
10 Years
DetailsAs Low As; LTV: 70.00%; Cap dollar amount: 70% LTV- $250,000 and 85% LTV- $200,000; 15 year term option for .50% additional rate on approved credit
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 7.00% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Home Equity Line of Credit (variable rate)
-
-
7.25%
10 Years
DetailsAs Low As; LTV: 80.00%; Draw period for line is 10 years with a 10 year repayment period.
Last Updated10/14/2026
Rate History
1 change since Sep 14, 2026 · 6.75% → 7.25% ▲ 0.50 pts · high 7.25% / low 6.75%
Oct 2, 20267.25%▲ from 6.75%
Sep 14, 20266.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Home Equity Loans
-
-
7.75%
10 Years
DetailsAs Low As; LTV: 85.00%; Cap dollar amount: 70% LTV- $250,000 and 85% LTV- $200,000; 15 year term option for .50% additional rate on approved credit
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 7.75% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Home Suite Home Equity Line of Credit (variable rate)
-
-
8.25%
10 Years
DetailsAs Low As; LTV: 100%; Draw period for line is 10 years with a 10 year repayment period; Effective April 1, 2021, Home Suite Home Equity HELOC Loans max credit line is $125,000
Last Updated10/14/2026
Rate History
1 change since Sep 14, 2026 · 7.75% → 8.25% ▲ 0.50 pts · high 8.25% / low 7.75%
Oct 2, 20268.25%▲ from 7.75%
Sep 14, 20267.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Home Suite Home Equity Loan
-
-
8.75%
Up to 10 Years
DetailsAs Low As; LTV: 100%
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 8.75% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Home Suite Home Equity Loan
-
-
9.50%
10 Years and over
DetailsAs Low As; LTV: 100%
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 9.50% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Home Equity Home Suite Home Improvement Loans
-
-
10.00%
Up to 10 Years
DetailsAs Low As; LTV: 115%
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 10.00% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Home Equity Home Suite Home Improvement Loans
-
-
10.75%
10 Years and over
DetailsAs Low As; LTV: 115%
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 10.75% APR
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 - 36 Months
-
-
3.99%
36 Months
DetailsAs Low As; New/Used Auto Loans
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 3.99% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Standard New/Used Auto Loan
-
-
3.99%
36 Months
DetailsAs Low As; Rate is based on term, age of collateral, and loan to value
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 3.99% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
New/Used Auto Loans - 48 Months
-
-
4.24%
48 Months
DetailsAs Low As; New/Used Auto Loans
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 4.24% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Standard New/Used Auto Loan
-
-
4.24%
48 Months
DetailsAs Low As; Rate is based on term, age of collateral, and loan to value
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 4.24% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
New/Used Auto Loans - 60 Months
-
-
4.49%
60 Months
DetailsAs Low As; New/Used Auto Loans
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 4.49% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Standard New/Used Auto Loan
-
-
4.49%
60 Months
DetailsAs Low As; Rate is based on term, age of collateral, and loan to value
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 4.49% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
New/Used Auto Loans - 72 Months
-
-
4.75%
72 Months
DetailsAs Low As; New/Used Auto Loans
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 4.75% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Standard New/Used Auto Loan
-
-
4.75%
72 Months
DetailsAs Low As; Rate is based on term, age of collateral, and loan to value
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 4.75% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
New/Used Auto Loans - 84 Months
-
-
5.49%
84 Months
DetailsAs Low As; New/Used Auto Loans
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 5.49% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Standard New/Used Auto Loan
-
-
5.49%
84 Months
DetailsAs Low As; Rate is based on term, age of collateral, and loan to value
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 5.49% APR
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 - 36 Months
-
6.49%
36 Months
DetailsAs Low As; Longer terms are available. Ask us for a rate quote.
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 6.49% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Boat & Recreational Vehicle Loans - 48 Months
-
6.74%
48 Months
DetailsAs Low As; Longer terms are available. Ask us for a rate quote.
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 6.74% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Boat & Recreational Vehicle Loans - 60 Months
-
6.99%
60 Months
DetailsAs Low As; Longer terms are available. Ask us for a rate quote.
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Boat & Recreational Vehicle Loans - 72 Months
-
7.25%
72 Months
DetailsAs Low As; Longer terms are available. Ask us for a rate quote.
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 7.25% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Boat & Recreational Vehicle Loans - 84 Months
-
7.99%
84 Months
DetailsAs Low As; Longer terms are available. Ask us for a rate quote.
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 7.99% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
EvergreenDIRECT Credit Union Credit Card Rates
Product
Rate
APR
View More
Credit Card
-
10.00%
DetailsAs Low As; Min. credit line $500; Max. credit line $30,000; Annual fee:; Late payment: Up to $20.00; Cash advance fee: (the $2 overdraft protection transfer fee does apply)
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 10.00% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Visa Credit Card
-
10.00%
DetailsAs Low As; Variable rate; Annual Fee:; Late Payment: Up to $20.00; Min. Credit Line: $500; Max. Credit Line: $30,000
Last Updated10/14/2026
Rate History
1 change since Sep 14, 2026 · 9.75% → 10.00% ▲ 0.25 pts · high 10.00% / low 9.75%
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%
DetailsAs Low As; Rates as low as 10.25% APR*; *APR=Annual Percentage Rate
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 10.25% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Visa Credit Cards
-
10.50%
DetailsAs Low As; APR for Purchases (as low as/variable rate); Balance Transfer APR: 10.50%; Cash Advance APR: 12.50%; Annual Fee:; Grace Period: 25 days (no grace period for cash advances or balance transfers); Late Payment: Up to $20.00; Cash Advance Fee: $0; Min. Limit: $500; Max. Limit: $30,000; Reward Program: Yes
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 10.50% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
VISA Platinum/Perks
-
10.50%
DetailsAs Low As; Balance Transfer APR (as low as/variable rate): 10.50%; Cash Advance APR (as low as/variable rate): 12.50%; Annual Fee:; Grace Period: 25 days (no grace period for cash advances or balance transfers); Late Payment: Up to $20.00; Cash Advance Fee: $0; Min. Limit: $500; Max. Limit: $30,000; Reward Program: Yes
Last Updated10/14/2026
Rate History
1 change since Sep 14, 2026 · 10.25% → 10.50% ▲ 0.25 pts · high 10.50% / low 10.25%
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 Personal Loan Rates
Product
APR
Term
View More
Unsecured Loans
9.45%
24 months
DetailsAs Low As; APR (as low as)
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 9.45% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Personal Line of Credit
10.00%
DetailsAs Low As; Variable rate; Min. credit line $500; Max. credit line $30,000; Annual fee; Late payment up to $20.00; Cash advance fee (the $2 overdraft protection transfer fee does apply); Minimum payment is 5% of the month-end balance with a minimum of $50
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 10.00% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Home Suite Home Improvement Signature Loan
10.70%
Up to 10 Years
DetailsAs Low As; Length: Up to 10 Years
Last Updated10/14/2026
Rate History
No change since Sep 27, 2026 · 10.70% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Home Suite Home Improvement Signature Loan
11.20%
Over 10 Years
DetailsAs Low As; Length: Over 10 Years
Last Updated10/14/2026
Rate History
No change since Sep 27, 2026 · 11.20% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Unsecured Loans
11.45%
48 months
DetailsAs Low As; APR (as low as)
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 11.45% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Unsecured Loans
13.45%
72 months
DetailsAs Low As; APR (as low as)
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 13.45% APR
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
Home Suite Home Improvement Loans
-
-
10.00%
Up to 10 Years
DetailsAs Low As; LTV: 115%
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 10.00% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Home Suite Home Improvement Loans
-
-
10.75%
10 Years and over
DetailsAs Low As; LTV: 115%
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 10.75% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Coverdell Education Savings Account
0.25%
-
0.25%
Min Balance$250
DetailsMinimum balance to earn dividends: $250
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Free Kasasa Cash Checking
-
-
4.00%
Min Deposit$0
Min Balance$0
DetailsQualifications Required; Qualifying balance up to $25,000.00; Refunds on ATM withdrawal fees, nationwide, up to $15 monthly
Last Updated10/14/2026
Rate History
No change since Sep 22, 2026 · 4.00% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Individual Retirement Accounts (IRAs)
0.25%
-
0.25%
Min Balance$250
DetailsMinimum balance to earn dividends: $250
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Kasasa Cash Checking
3.93%
-
4.00%
Min Balance$0
DetailsQualifications Required; Balance: 0 - $25,000; Qualifying balance up to $25,000.00
Last Updated10/14/2026
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
No change since Oct 10, 2026 · 1.25% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Kasasa Eats Share Certificates - Save to Win 12 Months Checking
2.22%
-
2.25%
12 Months
Min Balance$25
DetailsBalance: $25 - $50,000+
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 2.25% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
Kasasa Saver Savings
0.99%
-
1.00%
DetailsQualifications Required; Balance: 0 - $25,000; Qualifying balance up to $25,000.00
Last Updated10/14/2026
Rate History
1 change since Sep 14, 2026 · 0.05% → 1.00% ▲ 0.95 pts · high 1.00% / low 0.05%
Oct 14, 20261.00%▲ from 0.05%
Sep 14, 20260.05%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.61%
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.
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
$76M
2.61%
5.0
A+
March 31, 2026
$78M
1.41%
5.0
A+
December 31, 2025
$77M
4.00%
5.0
A+
September 30, 2025
$80M
3.26%
5.0
A+
June 30, 2025
$78M
3.37%
5.0
A+
March 31, 2025
$80M
4.11%
5.0
A+
December 31, 2024
$78M
5.67%
5.0
A+
September 30, 2024
$79M
5.76%
5.0
A+
June 30, 2024
$78M
4.96%
5.0
A+
March 31, 2024
$79M
4.66%
5.0
A+
December 31, 2023
$76M
5.64%
5.0
A+
September 30, 2023
$76M
4.12%
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 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.
Address
6001 Capitol Blvd SW,
Tumwater, WA 98501-5290
Phone360-943-7676
Fax360-943-6065
PresidentAmy Tiemeyer
CEOJohnPaul McGee
Full-Time Employees25
Part-Time Employees2
Branch Locations2
ATM Locations2
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
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.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for EvergreenDIRECT Credit Union
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.
Brian McKay
