Exciting Loan Opportunity
To Make Your Holidays Irresistible!

HOLIDAY LOAN SPECIAL – NO CREDIT PULL!
Starts November 1, 2024 and runs through January 31, 2025!

Here’s the details:
*Borrow  up to $1,000 at a flat interest rate of 6.00%
*Payments must be made through Payroll or ACH ONLY!
*1 Full year to Repay.
*Download the Loan Application at the bottom of the Home Page!

EPSFCU Annual $1,000 Grant

Evergreen Park Schools Federal Credit is once again sponsoring three (3) Educational Grants for $1,000.  One recipient will be chosen from each of the following districts:

*Evergreen Park Community High School District, 231
*Evergreen Park Elementary, District 124
*A.E.R.O. Special Education Cooperative

All 2025 Educational GRANT Applications must be received by December 20, 2024.
Applications can be found under Forms on this Home Page.

The Credit Corner…the Place for News You Can Use

This Month’s Featured Article Can Be Found Under the “ARTICLES” Tab Along the Top Toolbar

“Build Your Best Credit Score” 

A credit score is an important number to pay close attention to regularly. This Article helps to explain what goes into determining your credit score and how you can take steps to improve it. 

 After reading this article, you may want to check out our Monthly Budget Spreadsheet found in the Forms section on our Home Page to download. The spreadsheet will provide a good snapshot into where your money is spent and how to begin saving.

To continue reading about this topic along with other interesting Articles, visit BOTH the Articles Tab and Money Matters Tab along the top toolbar.

Cut Your Credit Card Debt with a Debt Consolidation Loan

The average credit card interest rate is 27.90%, according to Forbes Advisor’s weekly credit card rates report.

If you are carrying a large amount of debt on your credit cards with a high interest rate, consider a Debt Consolidation Loan from Evergreen Park Schools Federal Credit Union.

The Credit Union rates range from ONLY 7.25% to 13.25% depending on your credit score and length of the loan.  A Debt Consolidation Loan may be as much as $15,000!  Not only will you receive a BIG savings in the interest you are paying but you will also be able to pay off the debt sooner.

The Loan Application and Checklist is located on the bottom of this Home Page under “Forms”.  Don’t delay!  Call us today to be on your way to cutting your credit card debt!

STOP into the Credit Union BEFORE you visit the dealer!

A PREAPPROVED LOAN at the Credit Union will help you purchase a car that fits your lifestyle with payments that fit your pocketbook.  To improve your negotiation power and speed up the loan process, don’t forget to get preapproved before visiting the dealer.  And because of our LOW LOAN RATES on new and used vehicles, you will get more car for your money.

Applying for a vehicle loan is quick and easy at the Credit Union!  We aim to turn the loan around within a day so you can begin shopping immediately.

We only pull your credit report ONCE and our credit pull is only a “SOFT PULL” so it won’t affect your credit score!

DID YOU KNOW…Dealers tend to “shop you around” to lenders that they have a relationship with.  BUT…each lender they use will pull your credit (a “hard pull”) which, in turn, could lower your credit score quite a bit!  If you decide to go to a dealer first, be sure that you tell them NOT to pull your credit; that you plan to go through your Credit Union for financing.

The Loan Application can be downloaded from our website along with a checklist of everything we need to begin processing your loan.

While you are at the Credit Union, our loan officers can steer you to car-buying information to help YOU – not the dealer – drive your best deal! With that kind of knowledge and our GREAT VEHICLE RATES, nothing can STOP you from driving the best deal around town!  You will have personalized, friendly service from start to finish.  Call us today!

https://instagram.com/epsfcu/

REFINANCE Your Vehicle Loan With Us and SAVE!

•  COMPARE our loan rates with your current rate from other financial institutions
• Credit Union Interest Rates start at only 5.00% apy.
• Go to the Loan Rates Page on the website for details.
• No cost to you! We pay the $50.00 title transfer fee!
• Additional 0.25% off your qualifying Interest Rate with Payroll Deduction or ACH Debit

By refinancing an existing loan from another financial institution, you may be able to:

• Lower your monthly payment
• Shorten the terms of your loan; and
• Pay it off sooner!

PLEASE NOTE: Does not apply to current EPSFCU vehicle loans

STUDENT LOANS:

Credit Union Partnered with Sallie Mae

Evergreen Park Schools Federal Credit Union has partnered with Sallie Mae to offer our members student loan products.  It’s an easy and flexible way to pay for college. 

Get the money you need to help make higher education happen with student loans from Evergreen Park Schools Federal Credit Union in partnership with Sallie Mae.

For those attending a degree-granting institution as an undergraduate or graduate student, these flexible loans are designed to meet your needs.

• Competitive variable and fixed interest rates
• Multiple repayment options
• No origination fees or no prepayment penalty.

Learn which loan is right for you. Go to the Loan Rates Page.

We also have guides to help you plan and navigate applying and paying for college responsibly.

The Stress-Free Guide on the Loan Rates Page will help to begin a plan for a student in their junior year of high school.

Visit the Credit Union’s site today at Sallie Mae Loans!

Additional Benefits

• Visa Gift Cards (Only $3 fee)
• Visa Gift Cards must be paid for with cash or from your Credit Union Account.