DIVIDEND YEAR END PAY OUT

The Credit Union had a GREAT YEAR so we are able to share our success with you, our Members!

Regular Dividend Rates at 0.50% – Much More Than Most Banks

AND NOW… A YEAR-END DIVIDEND BONUS OF 3.50%!!!

TOTAL YEAR-END DIVIDEND RATE IS 4.00%!!!

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 especially if you plan to go through the credit union and haven’t gotten a preapproval.  Those hard pulls from the dealer may LOWER your credit score and change the interest rate the credit union will be able to offer you because of those hard pulls.  TALK TO US FIRST!

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!

The Credit Corner…the Place for News You Can Use

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

“QUICK FINANCIAL FIXES IN MINUTES!”

This article offers several “quick fixes” to help you save you money.  The best part is that these “fixes” only take a small amount of time but could save you BIG money.

 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 24.35%, according to a report from Lending Tree.

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!

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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 4.50% apy.
• Go to the Loan Rates Page on the website for details.
• 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

Answers to Frequently Asked Questions

The Credit Union was formed in 1957 and has played an important role in helping Members plan for and reach their financial goals.  We are fortunate to have two Certified Credit Union Financial Counselors as Managers to help guide you with your financial needs.  You may be surprised of the advantages of Membership – Great Rates, for one!

Why Us?  Your credit union is a not-for-profit financial cooperative.  That means you’re not just a customer:  You’re a Member-owner.

• People driven – NOT Profit driven!
• Profits go to Members NOT to line the pockets of stockholders.
• Lower Rates on Loans
• Competitive Rates on Savings (a/k/a Share Accounts)
• Knowledgeable and Friendly Staff

Who is eligible to join Evergreen Park Schools Federal Credit Union?
Membership is open to employees of District 124, District 231, Aero Special Education and their immediate family members.

How do I join?
Joining the Credit Union is easy! Visit our website to download the Membership Application. Return it with a minimum $5 cash deposit along with a copy of your driver’s license (front & back).

When can I apply for a loan?
After becoming a Member, there is no waiting period to apply for a loan. All borrowers must qualify according to our lending guidelines.

Can I cash a check at the Credit Union?
EPSFCU is not designed as a cash operation. We accept deposits in cash; however, we do not provide cash to our members.

 Does the Credit Union offer checking accounts, credit cards and debit cards?  How about mortgages?
 The Credit Union is designed to handle a mix of basic savings accounts and basic consumer loan products such as vehicle loans and personal loans.  We are committed to offering these loans at competitive rates.  Other products such as checking accounts and debit/credit cards come with a high overhead which is not a good fit for our Credit Union.

Save for a Variety of Reasons:
*Holiday Club
*Dream Vacation
*Secret Savings
*Home Repairs

 What services are offered through Online Banking?
You can conveniently manage your Credit Union accounts safely and securely using our Online Branch. Use it to:
•View account balances & transactions any time, day or night.
•Set up payroll deposits and bill payments.
•Enroll in and view electronic statements.

Payroll Deductions?
The Credit Union accepts Payroll Deductions from all of our districts as well as from outside employers.  For outside employers, all you need is our routing number to set it up with your employer.