Evergreen Credit Union

Evergreen Credit Union is a full service credit union located in Cumberland County, Maine. The credit union is a not-for-profit organization that is member-owned and operated. Customers can take advantage of any one of the five branches available in Cape Elizabeth, South Portland, Portland, Naples and Windham.

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For personal use, the credit union offers a number of beneficial services including simple checking and savings accounts. Evergreen also offers money market accounts, certificate of deposit accounts, insurance products and IRA's. Online banking services are also available. Evergreen offers a unique product called go2checking.com, designed for younger members. Another feature offered is Evergreen's Planning Tools for Retirement.

Although Evergreen does not offer credit card lines to consumers, the company does offer home financing, auto loans and personal loans to well-qualified members of the credit union. These products do offer low interest rates and competitive fees. Applications for these loans are obtainable online or through a visit to one of Evergreen's branch offices.

Business banking is a large focus of Evergreen's overall business plan. The company offers business checking accounts, tiered money market accounts, primary share accounts and online banking services. Remote deposit is available.

Businesses may also wish to obtain a loan from Evergreen. Term loans, real estate loans and Small Business Administration loans are available through the credit union. Term loans may be used for purchases of machinery or equipment, vehicles, inventory or land investments. In addition, several lines of credit are available through Evergreen.

• Obtain a line of credit up to $25,000. These loans require no 30 day balance clear provision, as with other types of loans. Term limits range from one to five years.

• For loans over $25,000, the credit line has a term of one year. Specialized offers are available, depending on the qualifications of the business.

Evergreen Credit Union also offers merchant credit card processing to its members. This service has links to PowerPay, which is a national company with a base out of Portland, Maine. Together, both companies enable businesses to accept a wide range of credit cards to suit their customer's unique needs. This service allows businesses to remain competitive in a credit marketplace.

With the use of Evergreen's merchant credit card processing service, businesses can handle a range of credit card processes including the following:

• Take most forms of credit cards
• Process debit card transactions
• EBT transactions
• Process check transactions immediately
• Process gift cards

In addition to this, the merchant credit card can be in use by a business as a corporate card for business owners and their management teams. With the use of PowerPay, the business receives various benefits including the following:

• PowerPay offers constant support around the clock, 24/7. This includes both customer service needs and tech support.

• Businesses benefit from low costs. PowerPay states that it offers the lowest pricing in the industry.

• Businesses will not pay hidden fees and there are no long-term contracts for using the service.

• The application process for the merchant credit card, or the PowerPay service, is fast and flexible. Most receive processing right away for an instant answer.

• PowerPay offers a large product range and they will work with a business to develop a customized solution for their particular needs.

• PowerPay and Evergreen have worked with a variety of businesses in various industries. They pride themselves with providing top quality services on a regular basis.

As a business or a personal user, it is important to know the benefits of working with any company in advance. For business credit card use, Evergreen's partnership with PowerPay makes it a nationally known company. Individuals should consider the current interest rates, service fees and application requirements before applying.

To learn more or to apply for an account with Evergreen Credit Union, visit them online at EvergreenCreditUnion.org. Current interest rates on deposit accounts and loans listed on the company's homepage.

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