Personal & Secured Loans

Finance almost anything with a personal loan.

We want to make it easy for you to enjoy your day-to-day and everything our great state of Colorado has to offer. That’s why our personal and secured loans feature fixed rates and flexible terms to help you finance the expected and unexpected, like medical or vet bills, car repairs, a cross-country move or financial assistance for family or friends. You can even consolidate debt or refinance another personal loan.Elevations Credit Union membership eligibility and requirements must be met upon credit approval. Learn more about membership.

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Our Personal and Secured Loans feature:

  • Competitive, fixed rates

  • Predictable payments to make budgeting easy

  • A range of term options

  • No prepayment penalty

  • Optional Elevations Loan Protection

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Personal Loan or Secured Loan?


Get the predictability of a fixed rate when you don’t have funds to guarantee it.

Unlike a deposit-secured loan, a personal loan is not secured by collateral. But unlike a credit card, a personal loan offers a fixed term with set monthly payments. APR*: Lock in your interest rate with a fixed APR from 13.99%.


When you want a lower rate and have the funds to guarantee your loan.

With a deposit-secured loan, your savings or certificate account guarantees the loan. That means you’ll get a lower rate with a secured loan than a non-secured personal loan. APR*: Lock in your interest rate with a fixed APR from 3.05%.

Ready to get the financing you need?

Commonly asked questions

More ways we can help you


Be a card-carrying member of your community with no annual fee.

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Use your home's value to renovate, fund education or even refinance debt.

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Go green with financing for solar energy and energy-efficiency upgrades.

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* APR = Annual Percentage RateRate shown as low as for qualified borrowers. Rate may change dependent on credit qualifications. Borrower must have approved credit and limitations may apply. Please speak with an Elevations representative for more information.The rate may vary depending on each individual's credit history and underwriting factors.All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.

†3.0% over deposit account rate