Share Savings
Five dollars opens a member Share Account and makes you an owner of Evergreen Park Schools Federal Credit Union. Dividends are paid quarterly on the average daily balance at a rate and APY determined by the Board of Directors. Your account balance must remain open with a balance above five dollars to receive a dividend. To avoid a loss of dividends, please keep your account open with the minimum balance until the first business day of the following month.
Members also need to have activity (either a deposit or withdrawal) at least once per year to keep their account from going dormant avoiding a fee.
Watch your savings grow as you receive your quarterly statements. Increase your savings by using direct deposit. Have peace of mind knowing that your deposits are federally insured up to $250,000 by the NCUA, an agency of the Federal Government.
As a member, you are eligible to apply for any of our wide range of services. Look at the many ways you and your family can benefit!
Transaction Limitations – We reserve the right to require, at any time, not less than five (5) business days’ notice to withdraw $10,000 or more from an interest-bearing account other than a time deposit or from any other savings account.
New Vehicle Loans
Stop by your credit union first before shopping for that new car. You can empower yourself by knowing how much you can afford to finance before you shop! A pre-approval for an auto loan is a breeze. You could be pre-approved within 24 hours.
Choose a vehicle and provide us with a copy of the Bill of Sale via email, fax, mail or drop off the copy along with the Loan Application and two (2) current pay stubs.. Once approved, all you have to do is sign the loan documents, pick up your check, and go get your car!
A new vehicle is defined as less than 2 months old, has less than 2,000 miles, or has not been previously titled.
Used Vehicle Loans
Evergreen Park Schools Federal Credit Union offers competitive rates on used vehicles. Finance your used vehicle with the credit union to take advantage of simple interest and no prepayment fees that can be common with other lenders.
Refinance Your Vehicle Loan
Evergreen Park Schools Federal Credit Union will refinance your current vehicle. Compare our loan rates with your current rate from your financial institution. Our rates start at 5.00%. The Credit Union also pays to have the title transferred at no cost to you! And if you pay through either Payroll Deduction or Automatic Payment (ACH Debit), you will receive an additional 0.25% reduction off your qualifying loan rate.
See if your Credit Union can save you money on your current loan today!
Unsecured Signature Loans
An Unsecured Signature Loan is basically a personal loan. Unsecured Signature Loans can be used for things such as:
- Debt Consolidation
- Home Repairs/Appliances
- Car Repairs
- Vacation
Based on your personal credit history, you can obtain up to $15,000. The Loan Application and Checklist can be found on the Home Page of our website.
Recreational Vehicles
When shopping for a new or used water craft, RV, or motorcycle, stop by the credit union and check out our rates first. We offer loans very competitive rates on these items and we will even refinance existing loans on any of these vehicles too.
Share Secured Loans
A Share Secured Loan is a personal loan with a lower interest rate. This loan allows you to borrow against the funds in your Share Account. Share balance continues to earn dividends. These funds on deposit are used as collateral for this loan. The amount pledged in your Share Account is reduced dollar for dollar as the loan balance decreases. Why choose a Share Secured Loan?
To establish or rebuild credit • To maintain funds on deposit • Lower interest rate
Student Loans: Credit Union Partnered with Sallie Mae
Get the money you need to help make higher education happen.
Student loans from Evergreen Park Schools Federal Credit Union in partnership with Sallie Mae could help!
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.
To learn which loan is right for you, go to salliemae.com/smartoption/epsfcu and you will be directed to Evergreen Park Schools Federal Credit Union’s home page at Sallie Mae.
VISA Gift Cards
Looking for the perfect gift for the person who has everything? Take the stress out of gift buying. A VISA Gift Card is always the right style and color. A VISA Gift Card can be used anywhere where VISA cards are accepted. Only a $3.00 fee for members!
It’s Time You Request a Credit Union VISA Credit Card
The Credit Union has partnered with the Illinois Credit Union League to offer you a better choice in a Visa Credit Card.
Our VISA Credit Card Offers you…
2.99% Interest Rate on ALL NEW CARDS for the first 12 months!
- NO Balance Transfer Fees for 12 months
- NO Annual Fee
- REWARDS! Earn one point for every dollar spent (Points for Travel, Shopping or Point-of-Sale at participating stores)
- 24×7 Fraud Protection
- Contactless purchases with convenient mobile wallet option
- Questions? Call 1-888-415-6154 and be sure to tell the representative you are a Member of Evergreen Park Schools Federal Credit Union.
