See Our Rates

Auto and Harley Davidson Motorcycle Loan Rates

Effective as of June 03, 2026

Vehicle Year**	APR* starting at
Vehicle Year** Model Year 2022 - 2026	APR* starting at 5.49%
Vehicle Year** Model Year 2021 - older	APR* starting at 5.74%
Save an additional 0.25% APR* on qualified loans with Peak Perks or Summit Dividend Checking Account. Learn More Payment example: 63 monthly payments of $181.91 per $10,000 borrowed at $5.24% available for qualified borrowers

Motorcycles

Effective as of June 03, 2026

Vehicle Year**	APR* starting at
Vehicle Year** Motorcycle Year 2022 - 2026	APR* starting at 9.74%
Vehicle Year** Motorcycle Year 2021 - older	APR* starting at 10.24%
Save an additional 0.25% APR* on qualified loans with Peak Perks or Summit Dividend Checking Account. Learn more

Recreational Vehicle Loan Rates

Effective as of June 03, 2026

Vehicle Type**	APR* starting at
Vehicle Type** Titled Loans: Motorhomes, Travel Trailers	APR* starting at 9.74%
Vehicle Type** Untitled Loans: Motorcycle, ATV, Personal Watercraft, Boat, Snowmobile	APR* starting at 10.74%
Save an additional 0.25% APR* on qualified loans with Peak Perks or Summit Dividend Checking Account. Learn more

Energy Loan Rates

Effective as of May 01, 2024

Terms**	APR* Starting at	APR* up to
Terms** 36 Month	APR* Starting at 6.990%	APR* up to 9.615%
Terms** 60 Month	APR* Starting at 6.990%	APR* up to 9.615%
Terms** 84 Month	APR* Starting at 7.490%	APR* up to 10.115%
Terms** 120 Month	APR* Starting at 7.740%	APR* up to 10.365%
Terms** 180 Month	APR* Starting at 8.240%	APR* up to 10.865%
Terms** 240 Month - Solar PV only	APR* Starting at 8.740%	APR* up to 11.365%
Payment example: $15,000 loan for 120 months, 8.115% APR, min credit score of 680, payment of $182.90 a month.

Personal & Secure Loan Rates

Effective as of May 01, 2024

Loan Type**	APR* starting at
Loan Type** Personal Loan	APR* starting at 10.99%
Loan Type** Secured Loan	APR* starting at 3.05%
Save an additional 0.25% APR* on qualified loans with Peak Perks or Summit Dividend Checking Account. Learn more

Home Equity Loan Rates

Effective as of January 05, 2026

Loan Type**	APR* starting at
Loan Type** Home Equity Loan - fixed APR	APR* starting at 7.99%
Loan Type** Home Equity Line of Credit (HELOC) - variable APR	APR* starting at 6.99%
All offers of credit are subject to credit, approval, properties located in CO and membership eligibility. As of 01/05/2026, the variable APR for home equity lines of credit, based on creditworthiness and loan-to-value, ranges from 6.99% - 16.25%. This interest rate is subject to change but will not exceed 18.00% APR. Consult your tax advisor regarding the deductibility of interest. Property insurance is required. Offer is available for HELOCs secured by a primary residence. Some additional restrictions may apply. The third-party fees for a home equity loan range from $105 to $2,000. After the first 12 months, $75 annual fee applies to open lines of credit originated after 7/2025. Save an additional 0.25% APR* on qualified loans with Peak Perks or Summit Dividend Checking Account. Learn more

Credit Card Rates

Effective as of December 11, 2025

Card**	Intro APR* starting at	Regular APR* starting at	For every $1 spent, you get:
Card** Visa	Intro APR* starting at 0% for 12 months (purchases & balance transfers)	Regular APR* starting at 11.74%	For every $1 spent, you get: --
Card** Visa Rewards	Intro APR* starting at 0% for 12 months (purchases & balance transfers)	Regular APR* starting at 15.49%	For every $1 spent, you get: 1 point on all purchases
Card** Visa Signature Travel Rewards	Intro APR* starting at 0% for first 12 months (purchases)	Regular APR* starting at 18.24%	For every $1 spent, you get: 3% points on travel purchases and 1.5 points on all other purchases
Card** Visa Signature Cash Rewards	Intro APR* starting at 0% for first 12 months (purchases)	Regular APR* starting at 18.24%	For every $1 spent, you get: 1.5% cash back
Card** Go Buffs® Visa Signature Rewards	Intro APR* starting at 0% for first 12 months (balance transfers)	Regular APR* starting at 18.24%	For every $1 spent, you get: 3% cash back at select CU Merchants, 2% cash back on gas, restaurants, phone or streaming services and 1% cash back on all other purchases.

Savings

Last Updated: February 01, 2026

Product	Dividend Rate	APY^
Product Regular	Dividend Rate 0.05%	APY^ 0.05%
Product IRA	Dividend Rate 0.15%	APY^ 0.15%

Money Market Options

Last Updated: February 01, 2026

Account/Amount	Dividend Rate	APY^
Flex Tier Money Market
Account/Amount $0 - $1,999.99	Dividend Rate 0.10%	APY^ 0.10%
Account/Amount $2,000 - $9,999.99	Dividend Rate 0.25%	APY^ 0.25%
Account/Amount $10,000 - $24,999.99	Dividend Rate 1.00%	APY^ 1.00%
Account/Amount $25,000 - $49,999.99	Dividend Rate 1.98%	APY^ 2.00%
Account/Amount $50,000 - $74,999.99	Dividend Rate 1.98%	APY^ 2.00%
Account/Amount $75,000 - $99,999.99	Dividend Rate 1.98%	APY^ 2.00%
Account/Amount $100,000 - $199,999.99	Dividend Rate 1.98%	APY^ 2.00%
Account/Amount $200,000 and up	Dividend Rate 2.96%	APY^ 3.00%
Money Market Savings Accounts
Account/Amount Select - ($25,000 and up)	Dividend Rate 1.00%	APY^ 1.00%
Account/Amount Premier - ($50,000 and up)	Dividend Rate 1.49%	APY^ 1.50%
Account/Amount Jumbo - ($100,000 and up)	Dividend Rate 1.98%	APY^ 2.00%

Checking

Last Updated: February 01, 2026

Product	Dividend	APY^
Summit Dividend Checking
Product $0 - $999.99	Dividend 0.00%	APY^ 0.00%
Product $1,000 - $4,999.99	Dividend 0.05%	APY^ 0.05%
Product $5,000 - $9,999.99	Dividend 0.05%	APY^ 0.05%
Product $10,000 and up	Dividend 0.10%	APY^ 0.10%
HSA Checking
Product $0 and up	Dividend 0.25%	APY^ 0.25%
eStyle Checking (for reference on existing accounts, product retired as of 2/10/2022)
Product $0 - $999.99	Dividend 0.00%	APY^ 0.00%
Product $1,000 - $4,999.99	Dividend 0.05%	APY^ 0.05%
Product $5,000 - $9,999.99	Dividend 0.05%	APY^ 0.05%
Product $10,000 and up	Dividend 0.10%	APY^ 0.10%

Certificates (Regular, IRA, HSA, Business)

Effective as of February 01, 2026

Terms	Dividend Rate	APY^
Standard (Min Balance: Regular/Business $500, IRA/HSA $100)
Terms 3 Month Certificate	Dividend Rate 2.47%	APY^ 2.50%
Terms 6 Month Certificate	Dividend Rate 2.96%	APY^ 3.00%
Terms 12 Month Certificate	Dividend Rate 2.96%	APY^ 3.00%
Terms 18 Month Certificate	Dividend Rate 2.47%	APY^ 2.50%
Terms 24 Month Certificate	Dividend Rate 2.47%	APY^ 2.50%
Terms 36 Month Certificate	Dividend Rate 2.47%	APY^ 2.50%
Terms 48 Month Certificate	Dividend Rate 2.47%	APY^ 2.50%
Terms 60 Month Certificate	Dividend Rate 2.47%	APY^ 2.50%
Jumbo (N/A Business) (Min Balance $100,000)
Terms Jumbo 6 Month	Dividend Rate 3.06%	APY^ 3.10%
Terms Jumbo 12 Month	Dividend Rate 3.06%	APY^ 3.10%
Terms Jumbo 24 Month	Dividend Rate 2.57%	APY^ 2.60%
Terms Jumbo 60 Month	Dividend Rate 2.57%	APY^ 2.60%
Earn an additional 0.25% APY^ rate boost on qualified certificates. Learn more

First Tracks Certificates

Last Updated: February 01, 2026

Product	Dividend Rate	APY^
Standard (Min Balance $100)
Product 12 Month First Tracks Certificate	Dividend Rate 2.96%	APY^ 3.00%
Product 24 Month First Tracks Certificate	Dividend Rate 2.47%	APY^ 2.50%

Promotional Certificates

Effective as of June 03, 2026

Promotional Rate	Min Balance	Dividend Rate	APY^	Account Types	Conditions
Standard:
Promotional Rate 7 Month Promotional	Min Balance $500	Dividend Rate 3.445%	APY^ 3.50%	Account Types Regular, Traditional IRA, Roth IRA, HSA, Business	Conditions Auto-renews to non-promotional 6mo CD
Jumbo:
Promotional Rate 7 Month Promotional	Min Balance $100,000	Dividend Rate 3.542%	APY^ 3.60%	Account Types Regular, Traditional IRA, HSA	Conditions Auto-renews to non-promotional 6mo CD
Flex CD - Standard:
Promotional Rate 4 Month Promotional	Min Balance $500	Dividend Rate 3.445%	APY^ 3.50%	Account Types Regular, Business	Conditions Auto-renews to non-promotional 3mo CD
Earn an additional 0.25% APY^ rate boost on qualified certificates. Learn more

Business

Last Updated: December 22, 2025

Product	Minimum Opening Balance	Dividend Rate	APY^
Regular Savings
Product Regular Savings Account	Minimum Opening Balance $0	Dividend Rate 0.05%	APY^ 0.05%
Business Money Market Account
Product $0 - $24,999.99	Minimum Opening Balance $0	Dividend Rate 0.50%	APY^ 0.50%
Product $25,000 - $49,999.99	Minimum Opening Balance $0	Dividend Rate 0.75%	APY^ 0.75%
Product $50,000 - $99,999.99	Minimum Opening Balance $0	Dividend Rate 1.00%	APY^ 1.00%
Product $100,000 - $249,999.99	Minimum Opening Balance $0	Dividend Rate 1.24%	APY^ 1.25%
Product $250,000 - $499,999.99	Minimum Opening Balance $0	Dividend Rate 1.98%	APY^ 2.00%
Product $500,000 - $999,999.99	Minimum Opening Balance $0	Dividend Rate 2.96%	APY^ 3.00%
Product $1,000,000 and up	Minimum Opening Balance $0	Dividend Rate 2.96%	APY^ 3.00%
Standard Certificates of Deposit (CD)
Product 3 Month Certificate	Minimum Opening Balance $500	Dividend Rate 2.47%	APY^ 2.50%
Product 6 Month Certificate	Minimum Opening Balance $500	Dividend Rate 2.96%	APY^ 3.00%
Product 12 Month Certificate	Minimum Opening Balance $500	Dividend Rate 2.96%	APY^ 3.00%
Product 18 Month Certificate	Minimum Opening Balance $500	Dividend Rate 2.47%	APY^ 2.50%
Product 24 Month Certificate	Minimum Opening Balance $500	Dividend Rate 2.47%	APY^ 2.50%
Product 36 Month Certificate	Minimum Opening Balance $500	Dividend Rate 2.47%	APY^ 2.50%
Product 60 Month Certificate	Minimum Opening Balance $500	Dividend Rate 2.47%	APY^ 2.50%
Premium Business Checking
Product $0 - $99,999.99	Minimum Opening Balance $100	Dividend Rate 0.15%	APY^ 0.15%
Product $100,000 and up	Minimum Opening Balance $100	Dividend Rate 0.25%	APY^ 0.25%
Dividend Business Escrow
Product $0 - $99,999.99	Minimum Opening Balance $0	Dividend Rate 0.15%	APY^ 0.15%
Product $100,000 and up	Minimum Opening Balance $0	Dividend Rate 0.25%	APY^ 0.25%
Please reference the Business Fee Schedule for transactional or other fees.

How can we help you?

Give us a call at (800) 429-7626 | Routing #307074580

*Annual percentage rate

^Annual percentage yield

**All credit union loan programs, rates, terms and conditions are subject to change at any time without notice. Rate shown as low as for qualified borrowers. Rate may change dependent on credit qualifications and underwriting factors. Please speak with an Elevations representative for more information. Offers of credit are subject to membership requirements and credit approval.

Our Rates

Auto and Harley Davidson Motorcycle Loan Rates

Vehicle Year**

APR* starting at

Vehicle Year**

APR* starting at

Save an additional 0.25% APR* on qualified loans with Peak Perks or Summit Dividend Checking Account.

Motorcycles

Vehicle Year**

APR* starting at

Vehicle Year**

APR* starting at

Save an additional 0.25% APR* on qualified loans with Peak Perks or Summit Dividend Checking Account.

Recreational Vehicle Loan Rates

Vehicle Type**

APR* starting at

Vehicle Type**

APR* starting at

Save an additional 0.25% APR* on qualified loans with Peak Perks or Summit Dividend Checking Account.

Energy Loan Rates

Terms**

APR* Starting at

APR* up to

Terms**

APR* Starting at

APR* up to

Terms**

APR* Starting at

APR* up to

Terms**

APR* Starting at

APR* up to

Terms**

APR* Starting at

APR* up to

Terms**

APR* Starting at

APR* up to

Personal & Secure Loan Rates

Loan Type**

APR* starting at

Loan Type**

APR* starting at

Save an additional 0.25% APR* on qualified loans with Peak Perks or Summit Dividend Checking Account.

Home Equity Loan Rates

Loan Type**

APR* starting at

Loan Type**

APR* starting at

Save an additional 0.25% APR* on qualified loans with Peak Perks or Summit Dividend Checking Account.

Credit Card Rates

Card**

Intro APR* starting at

Regular APR* starting at

For every $1 spent, you get:

Card**

Intro APR* starting at

Regular APR* starting at

For every $1 spent, you get:

Card**

Intro APR* starting at

Regular APR* starting at

For every $1 spent, you get:

Card**

Intro APR* starting at

Regular APR* starting at

For every $1 spent, you get:

Card**

Intro APR* starting at

Regular APR* starting at

For every $1 spent, you get:

Savings

Product

Dividend Rate

APY^

Product

Dividend Rate

APY^

Money Market Options

Account/Amount