You can find the Membership and Loan Application form in the download section at the bottom of this page.

Vehicle Loans

Please use your fingers to slide left and right on the table below to view more information.

Credit Score A+ A B C D
Vehicle Year Loan Term 760+ 759 – 700 699 – 660 659 – 600 599 – 0
2018 or Newer Up to 60 Months 2.50% apy 2.75% apy 3.75% apy 5.00% apy 9.00% apy
2018 or Newer 72 Months 2.75% apy 3.25% apy 4.50% apy 5.25% apy 9.50% apy
New Vehicle * 84 Months 3.00% apy 3.50% apy 4.75% apy N/A N/A
2017 – 2012 Up to 48 Months 3.00% apy 3.50% apy 4.50% apy 5.50% apy 9.50% apy
2017 – 2012 60 Months 3.25% apy 3.75% apy 4.75% apy 5.75% apy 9.75% apy
2017 – 2012 + 72 Months 3.75% apy 4.00% apy 5.00% apy N/A N/A
2011 – 2002 Up to 36 Months 3.75% apy 4.00% apy 5.25% apy 6.00% apy 10.00% apy
2011 – 2002 48 Months 4.50% apy 4.75% apy 5.75% apy 6.75% apy 10.25% apy
2001 or Older Up to 36 Months 5.25% apy 5.50% apy 6.75% apy 7.75% apy 11.25% apy

* No more than 2 month’s old or never been titled
+ Purchase over $25,000

Evergreen Park Schools Federal Credit Union must be named as lien holder on your vehicle title and insurance.  The Evergreen Park Schools Federal Credit Union must also be in possession of the vehicle title and a copy of your insurance declaration for your loan file.

Recreational Vehicle Loans

Boats, Motorcycles, Watercraft

Please use your fingers to slide left and right on the table below to view more information.

Credit Score A+ A B C D
Vehicle Year Loan Term 760+ 759 – 700 699 – 660 659 – 600 599 – 0
2018 or Newer 36 Months 3.50% apy 3.75% apy 4.75% apy 6.25% apy 10.00% apy
2018 or Newer 48 Months 3.75% apy 4.00% apy 5.00% apy 6.50% apy 10.25% apy
2018 or Newer 60 Months 4.00% apy 4.25% apy 5.25% apy 6.75% apy 11.00% apy
2018 or Newer 72 Months 4.25% apy 4.50% apy 5.75% apy 7.00% apy 11.50% apy
2018 or Newer 84 Months 4.50% apy 4.75% apy 6.00% apy N/A N/A
2017 – 2013 36 Months 3.75% apy 4.00% apy 5.50% apy 7.50% apy 11.00% apy
2017 – 2013 48 Months 4.00% apy 4.25% apy 5.75% apy 7.75% apy 11.25% apy
2017 – 2013 60 Months 4.25% apy 4.50% apy 6.00% apy 8.00% apy 11.50% apy
2017 – 2013 + 72 Months 4.50% apy 4.75% apy 6.25% apy N/A N/A
2012- 2008 36 Months 4.00% apy 4.25% apy 6.50% apy 8.00% apy 11.75% apy
2012- 2008 48 Months 4.25% apy 4.50% apy 6.75% apy 8.25% apy 12.00% apy
2007 or Older 36 Months 4.50% apy 4.75% apy 7.50% apy 8.50% apy 11.75% apy
2007 or Older 48 Months 4.75% apy 5.00% apy 7.75% apy 8.75% apy 12.00% apy

+ Purchase over $25,000

Share Secured Loan

4.50% for up to 72 months
Shares must fully cover your outstanding loan balance.

Unsecured Signature Loans

Please use your fingers to slide left and right on the table below to view more information.

Credit Score A B C D
700 + 699 – 660 659 – 600 599 – 500
Loan Amount $15,000 $8,000 $6,000 $6,000
36 Months 6.25% apy 7.25% apy 9.75% apy 12.00% apy
Up to 60 Months 7.25% apy 8.25% apy N/A N/A

The amount you can borrow and your Annual Percentage Rate is determined by your specific credit history and the length of your loan. Your specific Interest Rate and APR will be disclosed to you at the time of the loan advance. Rates are subject to change without notice.

Education Loan

Students graduating

  • The rate for an Education Loan is to be a fixed rate of 0.50% less than the Members qualifying Signature Loan rate.
  • The standard term for an Education Loan will be the same as the Members qualifying Signature Loan term. Payments are not deferred.
  • Education Loans are unsecured loans and cannot exceed the amount of the Members qualifying Signature Loan amount.
  • All Credit Union policies for loans apply to Education Loans.
  • Checks will be disbursed to the Educational Institution. The member must provide proof of enrollment.
  • Education Loan can be applied towards tuition and fees.
  • Any money returned to the Member from the educational institution should be returned to Evergreen Park Schools Federal Credit Union.

Payday Alternative Loan (PAL)

Maximum Amount: $500.00
Rate: 18% apy
Repayment: Up to 4 months to repay
Loan Application Fee: $20.00

PAL is designed to provide members with an alternative to high cost sources of credit.
PAL is designed to be quick and easy for our members. Any member 18 years and older, who is a full time employee with payroll deduction/direct deposit/ACH direct deposit is eligible for immediate approval by a Credit Union Loan Officer.

  • Applicants must be a member of Evergreen Park Schools Federal Credit Union for at least 3 months and establish payroll deduction/direct deposit/ACH direct deposit (occurring at least twice before loan).
  • Applicants will have no delinquent loans with Evergreen Park Schools Federal Credit Union in the past 6 months and no Bankruptcy discharged in the past year.
  • Applicants applying for a PAL loan must be able to appear in person to sign a loan agreement & disclosure statement.
  • Applicants may not have more than one PAL loan. A member must pay off a PAL loan completely before another PAL loan is issued. A PAL loan may not be refinanced or extended.
  • Applicants who have been delinquent with past (past year) PAL loans will not be eligible for a new PAL loan.

Additional Information

Rates are subject to change without notice.
Save 0.25% on any loan by paying through payroll deduction or ACH-Auto Pay where we deduct the payment directly from your checking account.

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