EvergreenDIRECT Credit Union

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EvergreenDIRECT Credit Union
1018 E Union
Olympia, WA 98501
Tel: 360-943-7676
Fax: 800-327-4286
Email: loaninfo@loanservicesinc.com

We are a progressive financial institution whose primary purpose is to provide quality, flexible services to our members at a reasonable price, while providing Banking. At your speed.

Whether you prefer to visit your favorite Account Manager at one of our branches or transact your business 24/7 via online banking, online bill pay, the ATM network, or a Shared Branching Service Center located throughout the nation, you can count on EvergreenDIRECT Credit Union to provide you with outstanding service.

EvergreenDIRECT Credit Union is owned and controlled by you, our members. Therefore, our members receive the following benefits & services:

•FREE 24/7 Online Banking
•FREE Online Bill Payer*
•FREE VISA Debit/Check Card**
•FREE No-Surcharge ATM Network
•FREE Shared Branching Network
•FREE 24/7 Audio Response Telephone Banking
•Get a Loan 24 Hours a Day
•Great Savings & Investment Rates
•Low Loan Rates
•Managed Credit Program for Less Than Perfect Credit
•E-Statements and Custom E-Mail Alerts
•Overdraft Protection***
•Cashiers Checks and Money Orders
•Notary Services
•Wire Transfer Services
•Financial Education & Counseling Services
•Deposits Federally Insured to at least $100,000 by NCUA
•Individual Retirement Accounts Federally Insured up to $250,000 by NCUA
•Friendly and Personalized Service

Home Loans
First Mortgage
Loan Services Inc. (LSI), our credit union partner, has many loan programs available whether you are a first time home buyer, selling an existing home to purchase a new one, refinance, or Reverse Mortgages. LSI offers Community Homebuyer loans (up to 100% financing), FHA, VA, plus 80/20 loans (100% financing with NO mortgage insurance), interest only ARMS and numerous other programs. Financing is also available if you wish to purchase land as well as construction loans to build your dream home. Permanent financing is available once your home has been completed. LSI's staff of experienced loan officers will help you decide which program best fits your needs. Be sure to make the right first step-a visit with our partner home loan professionals at Loan Services, Inc.

Second Mortgage
If you are looking for the security of a fixed rate, our Second Mortgage loan might be right for you. Our terms are flexible and the process is easy. In fact, most loans close within a week of the application. We can generally even avoid the cost of an appraisal by using a Tax Assessed Value statement from your county tax office or an appraisal that is less than 2 years old. For a limited time, the Credit Union is picking up other third party expenses, such as title insurance and recording costs (excluding appraisal) for our Owner Direct members.

Home Equity Line of Credit
Convert the equity in your home into cash with a Home Equity Line of Credit from EvergreenDIRECT Credit Union.

If you are a homeowner and have lived in your home a few years, you have built up equity. Unlocking that equity with an EvergreenDIRECT Credit Union Home Equity Line of Credit is one of the best ways to finance just about any of your consumer needs. Often, the interest on a home equity line of credit is tax deductible. Always consult your tax advisor about the deductibility of interest on any home equity line of credit.