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 * 3.05%**
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%
  • * APR = Annual Percentage Rate
  • ** 3.0% over deposit account rate
  • *** Rate shown as low as for qualified borrowers. Rate may change dependent on credit qualifications. All rates are subject to change daily. 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 anytime without notice

Mortgage Rates

Terms
Interest Rate
Discount Point
APR
Terms 10 yr. Fixed
Interest Rate 4.375%
Discount Point 0.00%
APR* 4.540%
Terms 10 yr. Quick Close (no closing cost)
Interest Rate 4.625%
Discount Point 0.00%
APR* 4.666%
Terms 15 yr. Fixed
Interest Rate 4.125%
Discount Point 0.00%
APR* 4.237%
Terms 20 yr. Fixed
Interest Rate 4.500%
Discount Point 0.00%
APR*4.591%
Terms 30 yr. Fixed
Interest Rate 4.625%
Discount Point 0.00%
APR* 4.692%
Terms 15 yr. Jumbo Fixed
Interest Rate 4.125%
Discount Point 0.00%
APR* 4.181%
Terms 20 yr. Jumbo Fixed
Interest Rate 4.500%
Discount Point 0.00%
APR* 4.546%
Terms 30 yr. Jumbo Fixed
Interest Rate 4.500%
Discount Point 0.00%
APR* 4.534%
Terms 1 yr. ARM*
Interest Rate 4.375%**
Discount Point 0.00%
APR* 5.128%**
Terms 3/1 ARM*
Interest Rate 4.125%**
Discount Point 0.00%
APR* 4.953%**
Terms 5/1 ARM*
Interest Rate 4.125%**
Discount Point 0.00%
APR* 4.820%**
Terms 7/1 ARM*
Interest Rate 4.125%**
Discount Point 0.00%
APR* 4.706%**
Terms 10/1 ARM*
Interest Rate 4.625%**
Discount Point 0.00%
APR* 4.875%**
Terms 3/1 ARM Jumbo*
Interest Rate 4.000%**
Discount Point 0.00%
APR* 4.891%**
Terms 5/1 ARM Jumbo*
Interest Rate 4.000%**
Discount Point 0.00%
APR* 4.743%**
Terms 7/1 ARM Jumbo*
Interest Rate 4.000%**
Discount Point 0.00%
APR* 4.614%**
Terms 10/1 ARM Jumbo*
Interest Rate 4.000%**
Discount Point 0.00%
APR* 4.453%**
  • Rates shown are subject to change.
  • For primary residence and 2nd homes only.
    APR = Annual Percentage Rate.
  • P&I = Principal and Interest Jumbo product required on loan amounts greater than $484,350
  • 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. The advertised rate scenario only applies to purchase transactions.
  • 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.
  • For Rate/Term Refinance or Cash-Out Refinance rates, please contact an Elevations loan officer.

 

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  • 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.

Home Equity Line of Credit

Product
APR Starting At *
Ceiling
Home Equity Loan
APR Starting At * 6.40%*
Ceiling 18.00%*
  • Last Updated: December 20, 2018
  • * 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..
  • 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.

Home Equity Loan

Product
APR Starting At *
Ceiling
Home Equity Loan
APR Starting At 5.75%**
Ceiling 18.00%*
    • Last Updated: October 1, 2018
  • * APR = Annual Percentage Rate
  • Rates shown are subject to change
  • ** 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
Model Year
APR Starting At *
APR Up To *
Terms Up to 63 Months
Model Year 2017-2019
APR Starting At * 4.49%
APR Up To * 18.00%
Terms Up to 63 Months
Model Year 2016-older
APR Starting At * 4.99%
APR Up To * 18.00%
  • Last Updated: October 1, 2018

  • APR listed is the lowest possible Annual Percentage Rate for qualified borrowers. Rate may change dependent upon credit qualifications. All rates are subject to change daily. Borrower must have approved credit and limitations may apply.
    Additional terms are available, speak with an Elevations representative for more information. 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
8.45%
0.02315%
18.00%
0.04932%
Terms Untitled Motorcycle, ATV, Personal Watercraft, Boat and Snowmobile Loans
9.45%
0.02589%
18.00%
0.04932%

  • Last Updated: October 1, 2018
  • Rates shown are subject to change. APR listed is the lowest possible Annual Percentage Rate for qualified borrowers. Rate may change dependent upon credit qualifications. All rates are subject to change daily. Borrower must have approved credit and limitations may apply.
  • 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 Signature Rewards Cards

Type
APR Starting At *
APR Up To *
Type Travel Rewards
APR Starting At * 16.99%
APR Up To * 21.00%
Type Cash Rewards
APR Starting At * 16.99%
APR Up To * 21.00%

Elevations Visa Rewards Card & Elevations Visa Card

Type
APR Starting At *
APR Up To *
Type Rewards Credit Card
APR Starting At * 12.24%
APR Up To * 21.00%
Type Non-Rewards Credit Card
APR Starting At * 10.49%
APR Up To * 20.49%

Buff One Visa Card

Product
APR Starting At *
APR Up To *
Product CU Student Credit Card
APR Starting At * 16.24%
APR Up To * 16.24%

Business Credit Cards

Product
APR Starting At *
APR Up To *
Product Business Visa
APR Starting At * 11.24%
APR Up To * 18.74%
Product Business Rewards Visa
APR Starting At * 13.24%
APR Up To * 20.74%

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  5.000%
APR Up To  7.625%
Terms 180 Month Term
APR Starting At  5.500%
APR Up To  8.125%
  • Last Updated: December 1, 2016
  • *APR = Annual Percentage Rate. APR listed is the lowest possible Annual Percentage Rate for qualified borrowers. Rate may change dependent upon credit qualifications. All rates are subject to change daily. Borrower must have approved credit and limitations may apply.
  • Payment example: $15,000 loan for 120 months at 5% would be $159 a month.
  • 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 * 6.000%
APR Up To * 8.625%
  • Last Updated: December 1, 2016
  • *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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