Phone    (708) 229-0322

Fax        (708) 229-1841

Our Services

  1. Share Savings

  2. Payroll Deduction / ACH

  3. New & Used Vehicle Loans

  4. Share Secured Loans

  5. Signature Loans

  6. Payday Loans

  7. VISA Gift Cards

  1. 4.00%    for up to 72 months

Share Secured Loans

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.

Shares must fully cover your outstanding loan balance.

Unsecured Signature Loans        A                   B                      C                  D

        Credit Score                                700 +               699 - 660             659 - 600        599 & below

                                                         $15,000                $8,000                 $6,000             $6,000

        36 months                               6.00% apy          7.00% apy           9.50% apy       11.50% apy

        up to 60 months                      7.00% apy          8.00% apy                 N/A                   N/A

Rates are subject to change without notice.

Save .25% on any loan by paying through payroll deduction or ACH-Auto Pay
where we deduct the payment directly from your checking account.


Office Location & Hours

Online Branch

Vehicle Loans

              Score          A+                  A                    B                    C                    D

                                      760 +             700 - 759            660 - 699            600 - 659            599 - 0

Vehicle Year

2015 & Newer 

                Up to 60 mo    2.25% apy         2.50% apy            3.50% apy            4.50% apy             8.75% apy

                72 mo         2.50% apy         3.00% apy            4.00% apy            5.00% apy             9.0% apy

New Vehicle

No more than 2 mo. old or never been titled

                84 mo         2.75% apy         3.25% apy            4.25% apy                   N/A                     N/A
2014 - 2011 

                Up to 48 mo    2.75% apy         3.25% apy            4.25% apy            5.25% apy            9.25% apy

                60 mo         3.0% apy           3.50% apy            4.50% apy            5.50% apy            9.50% apy

Purchase over $25,000

                72 mo         3.25% apy         3.75% apy            4.75% apy                  N/A                      N/A

2010 - 2000 

                Up to 36 mo    3.50% apy         3.75% apy            4.75% apy            5.75% apy            9.75% apy

                48 mo         4.25% apy         4.50% apy            5.50% apy            6.50% apy            10.0% apy

1999 or older 

                Up to 36 mo    5.25% apy         5.50% apy            6.50% apy            7.50% apy            11.0% apy


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.

Education Loans

  1. The rate for an Education Loan is to be a fixed rate of .50% less than the Members
    qualifying Signature Loan rate.

  2. The standard term for an Education Loan will be the same as the Members qualifying
    Signature Loan term. Payments are not deferred.

  3. Education Loans are unsecured loans and cannot exceed the amount of the Members
    qualifying Signature Loan amount.

  4. All Credit Union policies for loans apply to Education Loans.

  5. Checks will be disbursed to the Educational Institution. The member must provide
    proof of enrollment.

  6. Education Loan can be applied towards tuition and fees.

  7. Any money returned to the Member from the educational institution should be returned
    to Evergreen Park Schools Federal Credit union.

Payday Alternative Loan (PAL)

  1. Maximum Amount:            $500.00
    Rate:                                 18% apy
    Repayment:                       Up to 4 months to repay ($130.00)
    Loan Application Fee:        $20.00

  2. PAL is designed to provide members with an alternative to high cost sources of credit.

  3. 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.

  4. 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).

  5. 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.

  6. Applicants applying for a PAL loan must be able to appear in person to sign a loan agreement & disclosure statement.

  7. 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.

  8. Applicants who have been delinquent with past (past year) PAL loans will not be eligible for a new PAL loan.

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Evergreen Park Community
High School

9901 S Kedzie Ave

Evergreen Park, IL  60805

(enter through the main
parking lot off Kedzie)
Phone (708) 229-0322
Fax (708) 229-1841


Monday - Friday
8:00am - 4:00pm

Closed October 9th

Columbus Day

Closed November 10th
Veteran’s Day

Closed November 22nd thru 24th


The credit union will be closed on days when the Evergreen Park Community High School District 231 offices are closed including snow/cold & emergency days.