All Loan Rates

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Personal & Deposit Secured Loans

Terms
APR Starting At *
Lowest Daily Periodic
APR Up To *
Highest Daily Periodic
Terms Secured
APR Starting At * 3.10%**
Lowest Daily Periodic 0.00849%
APR Up To * 18.00%**
Highest Daily Periodic0.04932%
Terms Personal
APR Starting At * 9.99%**
Lowest Daily Periodic 0.02737%
APR Up To * 18.00%**
Highest Daily Periodic 0.04932%
  • Last Updated: Aug. 26, 2011
  • * APR = Annual Percentage Rate
  • ** 3.0% over deposit account rate
  • *** Based on a term up to 84 months.
  • The rate may vary depending on each individual's credit history and underwriting factors
  • Effective April 30, 2000
  • All Credit Union loan programs, rates, terms and conditions are subject to change at anytime without notice

Mortgage Rates

Terms
Interest Rate
Discount Point
APR
Terms 10 yr. Fixed
Interest Rate 3.000%
Discount Point 0.00%
APR* 3.149%
Terms 10 yr. Quick Close (no closing cost)
Interest Rate 3.375%
Discount Point 0.00%
APR* 3.404%
Terms 15 yr. Fixed
Interest Rate 3.000%
Discount Point 0.00%
APR* 3.102%
Terms 20 yr. Fixed
Interest Rate 3.500%
Discount Point 0.00%
APR* 3.582%
Terms 30 yr. Fixed
Interest Rate 3.750%
Discount Point 0.00%
APR* 3.811%
Terms 15 yr. Jumbo Fixed
Interest Rate 3.500%
Discount Point 0.00%
APR* 3.552%
Terms 20 yr. Jumbo Fixed
Interest Rate 3.750%
Discount Point 0.00%
APR* 3.792%
Terms 30 yr. Jumbo Fixed
Interest Rate 3.875%
Discount Point 0.00%
APR* 3.905%
Terms 1 yr. ARM*
Interest Rate 3.250%
Discount Point 0.00%
APR* 3.769%
Terms 3/1 ARM*
Interest Rate 3.375%**
Discount Point 0.00%
APR* 3.725%**
Terms 5/1 ARM*
Interest Rate 3.000%**
Discount Point 0.00%
APR* 3.544%**
Terms 7/1 ARM*
Interest Rate 3.250%**
Discount Point 0.00%
APR* 3.575%**
Terms 10/1 ARM*
Interest Rate 3.750%**
Discount Point 0.00%
APR* 3.811%**
Terms 3/1 ARM Jumbo*
Interest Rate 2.750%**
Discount Point 0.00%
APR* 3.533%**
Terms 5/1 ARM Jumbo*
Interest Rate 2.875%**
Discount Point 0.00%
APR* 3.470%**
Terms 7/1 ARM Jumbo*
Interest Rate 3.000%**
Discount Point 0.00%
APR* 3.430%**
Terms 10/1 ARM Jumbo*
Interest Rate 3.750%**
Discount Point 0.00%
APR* 3.780%**
  • Rates shown are subject to change.
  • APR = Annual Percentage Rate.
  • P&I = Principal and Interest Jumbo product required on loan amounts greater than $417,000.
  • Interest Rate, APR Calculations and Monthly Payment are based on the following assumptions: Based on $180,000 loan amount ($500,000 for Jumbo), LTV 80%, Credit Score 740.
  • LTV = Loan-to-Value, meaning the loan amount divided by the sales price (or appraised value, whichever is less)
  • Loan level price adjustments may apply.
  • Based on an interest rate of 4% a payment amount equals $4.78 per $1,000 for a 30 year term. This amount does not include taxes, insurance or mortgage insurance premiums which, if applicable, will result in a greater payment obligation.
  • Mortgage Loans are available on properties in Colorado.
  • Membership to Elevations Credit Union is required.
  • *ARM - Adjustable Rate Mortgage. Rates are fixed for the first 1, 3, 5, 7 or 10 years depending on product then adjust yearly.
  • ** Interest Rate and APR are only fixed for the 1, 3, 5, 7 or 10 year term and may adjust after the fixed term.
  • *** Monthly Principal and Interest Payment may adjust after the fixed term.

FlexLine Plus Home Equity Access Loan

Product
APR Starting At *
Ceiling
Product Home Equity Loan
APR Starting At * 4.00%*
Ceiling 18.00%*
  • Last Updated: December 24th, 2015
  • APR = Annual Percentage Rate
  • Rates shown are subject to change
  • * Variable Rate - Based on Prime Rate plus a margin that is based on your LTV (Loan to Value) Ratio and credit history.
  • ** Fixed Rate - Rate is dependent upon LTV (Loan to Value) Ratio, Term and credit history.
  • NOTE: The maximum APR for a home equity loan is 18%. The third party fees for a home equity loan range from $105 to $2,000. The Credit Union will pay a $500 credit toward all related third party fees.

Auto & Harley Motorcycle Loan Rates

Terms
APR Starting At *
Lowest Daily Periodic
APR Up To *
Highest Daily Periodic
Terms Up to 63 Months
APR Starting At * 2.99%
Lowest Daily Periodic 0.00956%
APR Up To * 18.00%
Highest Daily Periodic 0.04932%
  • Last Updated: December 2, 2013
  • Rates shown are subject to change any time without notice.
  • The rate may vary depending on each individual's credit history and underwriting factors. Additional terms available up to 84 months.
  • *APR = Annual Percentage Rate

Motorcycle and Recreational Vehicle Loan Rates

Terms
APR Starting At *
Lowest Daily Periodic
APR Up To *
Highest Daily Periodic
Terms Other Titled Motorcycle, Motor Home and Travel Trailer Loans
APR Starting At * 7.70%
Lowest Daily Periodic 0.02110%
APR Up To * 18.00%
Highest Daily Periodic0.04932%
Terms Untitled Motorcycle, ATV, Personal Watercraft, Boat and Snowmobile Loans
APR Starting At * 8.70%
Lowest Daily Periodic 0.02384%
APR Up To * 18.00%
Highest Daily Periodic 0.04932%
  • Last Updated: December 2, 2013
  • Rates shown are subject to change.
  • The rate may vary depending on each individual's credit history and underwriting factors. Rates are subject to change at anytime without notice.
  • *APR = Annual Percentage Rate

Elevations Visa Rewards Card & Elevations Visa Card

Type
APR Starting At *
APR Up To *
Type Rewards Credit Card
APR Starting At * 10.24%
APR Up To * 19.24%
Type Non-Rewards Credit Card
APR Starting At * 8.49%
APR Up To * 18.49%

Buff One Visa Card

Product
APR Starting At *
APR Up To *
Product CU Student Credit Card
APR Starting At * 14.24%
APR Up To * 14.24%

Business Platinum Visa Credit Card

Product
APR Starting At *
APR Up To *
Product Business Platinum Visa Credit Card
APR Starting At * 11.49%
APR Up To * 19.49%
  • APR effective as of January 23, 2016
  • *APR = Annual Percentage Rate
  • Rates shown are subject to change
  • For more information, read the Business Visa Credit Card Agreement (PDF)

Home Energy Loans

Terms
APR Starting At *
APR Up To *
Terms 36 Month Term
APR Starting At * 2.750%
APR Up To * 5.375%
Terms 60 Month Term
APR Starting At * 3.500%
APR Up To * 6.125%
Terms 84 Month Term
APR Starting At * 4.500%
APR Up To * 7.125%
Terms 120 Month Term
APR Starting At * 6.000%
APR Up To * 8.625%
  • Last Updated: Aug. 22, 2012
  • *APR = Annual Percentage Rate
  • 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.

Business Energy Loans

Terms
APR Starting At *
APR Up To *
Terms 36 Month Term
APR Starting At * 3.750%
APR Up To * 6.375%
Terms 60 Month Term
APR Starting At * 4.500%
APR Up To * 7.125%
Terms 84 Month Term
APR Starting At * 5.500%
APR Up To * 8.125%
Terms 120 Month Term
APR Starting At * 7.000%
APR Up To * 9.625%
  • Last Updated: Aug. 22, 2012
  • *APR = Annual Percentage Rate
  • 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.

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