All Loan Rates

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Personal & Deposit-Secured Loan Rates

TermsAPR Starting At *Lowest Daily PeriodicAPR Up To *Highest Daily Periodic
Secured3.10%**0.00849%18.00%**0.04932%
Personal9.99%**0.02737%18.00%**0.04932%

  • Last Updated: Aug. 26, 2011
  • Rates shown are subject to change.    

    * 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

TermsInterest RateDiscount PointAPR *
10 yr. Fixed3.125%0.00%3.273%
10 yr. Quick Close (no closing cost)3.875%0.00%3.909%
15 yr. Fixed3.500%0.00%3.605%
20 yr. Fixed4.000%0.00%4.085%
30 yr. Fixed4.375%0.00%4.439%
15 yr. Jumbo Fixed4.125%0.00%4.181%
20 yr. Jumbo Fixed4.500%0.00%4.546%
30 yr. Jumbo Fixed4.875%0.00%4.911%
1 yr. ARM*3.375%**0.00%3.085%**
3/1 ARM*3.625%**0.00%3.195%**
5/1 ARM*3.500%**0.00%3.231%**
7/1 ARM*3.625%**0.00%3.348%**
10/1 ARM*3.875%**0.00%3.597%**
5/1 ARM* Investor Non-Warrantable Condo4.625%**0.00%3.640%**
7/1 ARM* Investor Non-Warrantable Condo5.000%**0.00%4.020%**
3/1 ARM Jumbo*3.125%**0.00%3.054%**
5/1 ARM Jumbo*3.250%**0.00%3.113%**
7/1 ARM Jumbo*3.750%**0.00%3.377%**
10/1 ARM Jumbo*3.875%**0.00%3.567%**

  • Last Updated April 15th, 2014
  • 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

TypeAPR Starting At *Ceiling
Home Equity Loan3.75%*18.00%*

  • Last Updated: March 24th, 2014
  • 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

TermsAPR Starting At *Lowest Daily PeriodicAPR Up To *Highest Daily Periodic
Up to 66 Months2.99%0.00956%18.00%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.
 

Motorcycle and Recreational Vehicle Loan Rates

TermsAPR Starting At *Lowest Daily PeriodicAPR Up To *Highest Daily Periodic
Other Titled Motorcycle, Motor Home and Travel Trailer Loans7.70%0.02110%18.00%0.04932%
Untitled Motorcycle, ATV, Personal Watercraft, Boat and Snowmobile Loans8.70%0.02384%18.00%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.

Peak Platinum Visa Credit Card

TypeAPR Starting At *APR Up To *
Peak Platinum Credit Card8.99%13.99%

Buff One Visa Card

TypeAPR Starting At *APR Up To *
CU Students Credit Card13.99%13.99%

  • APR effective as of Dec. 03, 2008. 
  • Rates shown are variable and subject to change. 
  • For more information, read the Visa Credit Card Terms and Disclosures

  • Business Platinum Visa Credit Card

    TypeAPR Starting At *APR Up To *
    Business Platinum Visa Credit Card10.990%18.990%

    Home Energy Loans    

    TermsAPR Starting At *APR Up To *
    36 Month Term2.750%5.375%
    60 Month Term3.500%6.125%
    84 Month Term4.500%7.125%
    120 Month Term6.000%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    

    TermsAPR Starting At *APR Up To *
    36 Month Term3.750%6.375%
    60 Month Term4.500%7.125%
    84 Month Term5.500%8.125%
    120 Month Term7.000%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.