CREDIT UNION OFFERS VISA GIFT CARDS

Visa Gift Cards are the “right size” for everyone on your Gift List!

PLASTIC  or VIRTUAL GIFT CARDS!

NEW Option:
Virtual Visa Gift Cards to send via email to your family/friends.

$3.00 fee for each gift card purchased.  Call us for details.

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 “ARTICLES” Tab Along the Top Toolbar

“Secrets Car Dealer Don’t Want You to Know…But We Do!”

This article gives you an insight into the SECRET WORLD OF CAR DEALERS and what you, as a consumer, need to know to help you get the best deal.

 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 5.00% 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

STUDENT LOANS – 2 Options to Choose From: 

Get the money you need to help make higher education a reality with student loans from Evergreen Park Schools Federal Credit Union.

Option #1 – Education Loan Directly from EPSFCU

• Borrow up to $15,000 depending on your credit score
• Receive 0.50% off your Qualifying Unsecured Loan Rate
• Receive an ADDITIONAL 0.25% off for Auto Pay
• Repayments made easy through Payroll Deduction or Auto Pay from your personal bank

Option #2 – Sallie Mae Student Loan in Partnership with EPFSCU

• Apply directly on the website – Visit the Credit Union’s site today at Sallie Mae Loans!
• Borrow up to 100% of all of  your school-certified expenses
• Receive 0.25% reduction with Auto Pay
• Competitive Variable/Fixed Interest Rate

For more help, check out 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.