Credit union · NCUA insured
Evergreen Credit Union Auto Loan Rates
Top CarrotEvergreen Credit Union auto loans start at 4.24% APR for a new vehicle and 4.24% for a used one. Rates checked October 16, 2026.
How Evergreen Credit Union’s auto loan rates compare
Compared with banks and credit unions near Oshkosh, WI, where Evergreen Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Evergreen Credit Union
4.24%APR
- Terms
- up to 60 months
- Discount
- None included
Auto Loans
Lowest rate
Community First Credit Union
3.50%APR
- Terms
- up to 66 months
- Discount
- None included
2nd-lowest rate
Oshkosh Community Credit Union
3.98%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Evergreen Credit Union auto loan score
93
Auto loan score
Higher than 94% of U.S. banks and credit unions
- New vehicleNew4.24%
- Used vehicleUsed4.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Evergreen Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loans
Merit based pricing in effect; actual rate may vary based on your credit score and account relationship (direct deposit and active checking). Enjoy an additional 0.25% APR discount on Hybrid and Electric vehicles.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 4.24% | Vehicle model year 2023 & newer; term up to 4 years. Additional 0.25% APR discount on Hybrid and Electric vehicles. |
| up to 60 months | 4.24% | Vehicle model year 2023 & newer; term up to 5 years. Additional 0.25% APR discount on Hybrid and Electric vehicles. |
| up to 72 months | 4.49% | Vehicle model year 2023 & newer; term up to 6 years. Additional 0.25% APR discount on Hybrid and Electric vehicles. |
| up to 84 months | 5.99% | Vehicle model year 2023 & newer; term up to 7 years. Loan amount >$30,000 on current model year vehicles only. Additional 0.25% APR discount on Hybrid and Electric vehicles. |
| up to 60 months | 4.49% | Vehicle model year 2020-2022; term up to 5 years. Additional 0.25% APR discount on Hybrid and Electric vehicles. |
| up to 48 months | 4.74% | Vehicle model year 2016-2019; term up to 4 years. Additional 0.25% APR discount on Hybrid and Electric vehicles. |
| up to 36 months | 5.99% | Vehicle model year 2015 & older; term up to 3 years. Additional 0.25% APR discount on Hybrid and Electric vehicles. |
Sources (1)
- evergreencu.com/loans-and-saving-rates · captured Oct 16, 2026
Who can join Evergreen Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live in Winnebago, Outagamie, Calumet, Waupaca, or Waushara counties in Wisconsin are eligible for membership.
- Persons who work in Winnebago, Outagamie, Calumet, Waupaca, or Waushara counties in Wisconsin are eligible for membership.
Military, government and schools
- Persons attending a two or four year college in Winnebago, Outagamie, Calumet, Waupaca, or Waushara counties in Wisconsin are eligible for membership.
Family and household
- Persons who have family living, working, or attending a two or four year college in Winnebago, Outagamie, Calumet, Waupaca, or Waushara counties in Wisconsin are eligible for membership.
Cost to join
- A minimum balance of $5 is required to join.
Membership information collected October 5, 2026.