Evergreen logo

Evergreen in Neenah, WI

4.0/5

Wisconsin-based credit union offering checking, savings, loans, and credit cards with emphasis on eco-friendly financial products and member service.

Data compiled from public sources · Rating from CreditDoc methodology

Evergreen Review

Evergreen Credit Union is a full-service financial institution headquartered in Neenah, Wisconsin, with a second location in Appleton. Founded to serve members in Winnebago, Outagamie, Calumet, Waupaca, and Waushara counties, the credit union welcomes anyone who lives, works, or attends college in those areas, plus those with family connections to the region. The institution operates as a traditional member-owned cooperative with an annual membership meeting and elected board governance.

Evergreen provides comprehensive banking services including checking accounts, savings accounts, money market accounts, certificates of deposit (CDs), and retirement accounts (IRAs). On the lending side, they offer auto loans, home loans, home equity loans, personal loans, student loans, and specialized eco-friendly loan products including solar loans at 6.99% APR. They issue their own credit cards and provide online and mobile banking platforms, ATM access through their network, financial counseling, fraud/identity theft support, and debt protection services.

The credit union distinguishes itself through its "Earth-Kind Banking" initiative, positioning sustainability as a core brand value. Their eco-friendly loan products (solar and general eco-loans) appeal to environmentally conscious members. They actively engage members through community events, charitable donation programs, and seasonal promotions like the Lucky Debit Card Rewards program. The physical accessibility of two branch locations with extended drive-thru hours (M-F 7:30am-5:30pm) provides convenient service options.

As a credit union, Evergreen offers member-owned governance and typically competitive rates compared to traditional banks, though specific current rates beyond solar loans (6.99% APR) are not detailed on the website. The institution serves a defined geographic membership area, which may limit accessibility for those outside their service counties. Member reviews highlight strong customer service and personalized attention. However, as a smaller regional credit union, they may have fewer branches and less extensive digital innovation compared to larger national institutions.

Services & Features

ATM network access
Auto loans
Certificates of deposit (CDs)
Check ordering
Checking accounts
Credit cards
Debt protection services
Eco-friendly/solar loans
Financial counseling
Fraud and identity theft assistance
Home equity loans
Home loans
Money Manager accounts
Online banking and mobile banking
Personal loans
Retirement accounts (IRAs)
Savings accounts
Student loans

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • Specialized eco-friendly loan products (solar loans at 6.99% APR, general eco-loans) aligned with sustainability goals
  • Extended drive-thru hours (7:30am-5:30pm weekdays) for working members
  • Full-service banking including checking, savings, CDs, IRAs, credit cards, and multiple loan types under one institution
  • Member-owned credit union structure typically offering competitive rates and dividend potential
  • Active community engagement with events, charitable giving, and seasonal member promotions
  • Free financial counseling and fraud/identity theft support included for members
  • Strong member satisfaction based on reviews citing excellent customer service and helpful staff

Cons

  • Geographic membership restrictions (requires residence, employment, or education in 5 Wisconsin counties or family connection) limit accessibility
  • Limited branch network (only 2 locations in Neenah and Appleton) compared to regional or national banks
  • Current interest rates for most products not prominently displayed on website beyond solar loan rate
  • No mention of mobile app features or digital banking capabilities beyond basic online/mobile banking existence
  • Smaller institution may have fewer ATM partnerships or less developed commercial lending capabilities

Rating Breakdown

Value
5.0
Effectiveness
3.5
Customer Service
3.7
Transparency
4.2
Ease of Use
4.0

Mortgage Lending Transparency

Evergreen processed 466 mortgage applications in 2023, approving 75.3% of applicants across 5 states.

466

Applications

75.3%

Approval Rate

$120K

Avg Loan

5

States Served

Approval Rate by Applicant Income

Under $50K
61.1%
$50K–$100K
73.8%
$100K–$200K
77.8%
Over $200K
75.8%

Based on 466 applications. Income in thousands (reported by applicant).

Top Lending States

Maine 426 apps · 73.7%
Wisconsin 37 apps · 86.5%
Washington 1 apps · 0%
Oklahoma 1 apps · 0%
Florida 1 apps · 0%

Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.

Frequently Asked Questions

Is Evergreen legitimate?

Yes. Evergreen is a registered company, headquartered in Neenah, WI, founded in 1958.

How long does Evergreen take to show results?

Membership approval and account opening typically takes 1-3 business days. Loan decisions are usually faster than traditional banks.

Quick Facts

Founded
1958
Headquarters
Neenah, WI
BBB Accredited
No
Certifications
NCUA Insured Charter #66395
Starting Price
Contact provider
Setup Fee
None
Money-Back Guarantee
No
Visit Evergreen

CreditDoc Diagnosis

Doctor's Verdict on Evergreen

Evergreen Credit Union is best for Wisconsin residents within its defined service counties who value local, member-owned banking with a sustainability focus and personalized service. The primary caveat is geographic membership restriction—only those living, working, or studying in the five-county service area or with family members in that area qualify, making it inaccessible to most consumers outside Wisconsin's Fox Valley region.

Best For

  • Wisconsin residents in Winnebago, Outagamie, Calumet, Waupaca, or Waushara counties seeking comprehensive local banking
  • Environmentally conscious borrowers interested in financing solar installations or other eco-friendly projects
  • Members preferring credit union membership with community involvement and personalized service over large bank chains
  • Families with established relationships in the service area seeking member-owned institution with Earth-Kind values
Updated 2026-05-14

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