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Auto Loans

New, used, or new to you!

Enjoy NO PAYMENTS for 60 days and auto rates as low as 3.74% APR*!

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Love what you drive.

Vehicles are more than wheels. They’re part of your life. As low as 3.74% APR*

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Live inspired.

Buy a house you love or improve your current home. As low as 4.25% (4.50% APR*)

View Home Loans

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Power and flexibility

Your card does a surprising number of things. Intro rate 3.99% APR*

View Credit Card

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Elevated spending.

A checking account is your constant companion. It should fit your lifestyle like a snug backpack.

five freinds backpacking with the perfect backpacks just like the perfect checking accounts

6 Tips To Save On Gas

6 Tips to save on gas With gas prices still…

What to Buy and What to Skip This September

What to buy and what to skip this September Get…

Fraud Center Alert Scam

Fraud Center Alert Scam Elevate Credit Union has seen an…

Should I Buy an Electric Car?

Should I buy an electric car? Q: Should I buy…

Why Elevate

Raise your possibilities

Elevate Credit Union is more than a place to put your paycheck or get a loan. We know that behind each account is an individual. At Elevate you will be treated as a person and not a number. We will be with you through the small moments that create a story and the big moments that create memories. Join us. Let’s create something great together!

“The credit union is a part of our lives. Through the hard times, medical bills, and business transactions they have helped us prosper.”
Corbett, Member since 2010

“Elevate Credit Union has been my one and only financial institution since I was 17. They are extremely kind and welcoming.”
Ashley, Member since 2010

We believe you won’t find another credit union with such knowledgeable and friendly staff. These folks take great care of us.
Scott & Sandy, Members since 2018

“I have been banking with Elevate Credit Union for 20 plus years now, I could not recommend a better place to bank!"
Lyndi, Member since 1999

Red Cross Donations

We have scheduled Red Cross! Register for the October 20th, blood drive.

Indigenous People / Columbus Day

Mark your Calendar! We will be closed Monday, October 10, 2022.

Shred Fest 2022

Our next Shred Fest will be in Garland on October 1. Get it on your calendar.

Food Drive

Our Annual Food Drive Begins in October to help support our local food pantries.

Getting started is a piece of cake. Just fill out some quick info online or give us a call.

Schedule Appointment

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See you soon! If you have any questions, give us a call at (435)723-3437
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Ask a Question

We are here to help. If you have questions or a problem, please send us a message, stop in, give us a call or text us. We are always happy to hear from you.

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Apply for a Home Loan Product

Lead Capture - Home Loans

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10 Year Mortgage

APR=Annual Percentage Rate. The information provided is for a 10-year fixed mortgage and assumes the purpose of the loan is to refinance a property, with a loan amount of $150,000.00 and an estimated property value of $187,500. The property is located in UT and is within Box Elder County. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 45 days and the assumed credit score is 720.

At a 4.25% interest rate, the APR for this loan type is 4.50%. The monthly payment would be $1536.56

120 payments of $1536.56 at an interest rate of 4.25%.

The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner’s insurance or property taxes which must be paid in addition to your loan payment. An escrow account may be required.

5 Year Mortgage

APR=Annual Percentage Rate. The information provided is for a 5-year fixed mortgage and assumes the purpose of the loan is to refinance a property, with a loan amount of $150,000.00 and an estimated property value of $187,500. The property is located in UT and is within Box Elder County. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 45 days and the assumed credit score is 720.

At a 4.25% interest rate, the APR for this loan type is 4.71%. The monthly payment would be $2779.43

60 payments of $2779.43 at an interest rate of 4.25%.

The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner’s insurance or property taxes which must be paid in addition to your loan payment. An escrow account may be required.

15 Year Mortgage

APR=Annual Percentage Rate. The information provided is for a 15-year fixed mortgage and assumes the purpose of the loan is to refinance a property, with a loan amount of $150,000.00 and an estimated property value of $187,500. The property is located in UT and is within Box Elder County. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 45 days and the assumed credit score is 720.

At a 4.49% interest rate, the APR for this loan type is 4.66%. The monthly payment would be $1146.72

180 payments of $1146.72 at an interest rate of 4.49%.

The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner’s insurance or property taxes which must be paid in addition to your loan payment. An escrow account may be required.

Donation Request

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Is the organization you are making a request for non-profit? (501c3) * Required
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Please explain what your requested donation will be used for. * Required
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20 Year Mortgage

APR=Annual Percentage Rate. The information provided is for a 20-year fixed mortgage with a 10-year call and assumes the purpose of the loan is to refinance a property, with a loan amount of $150,000.00 and an estimated property value of $187,500. The property is located in UT and is within Box Elder County. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 45 days and the assumed credit score is 720.

At a 5.25% interest rate, the APR for this loan type is 5.43%. The monthly payment would be $1010.77

119 payments of $1010.77 at an interest rate of 5.25%. With a final payment of approximately $95,217.51 at the end of the 10th year.

The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner’s insurance or property taxes which must be paid in addition to your loan payment. An escrow account may be required.

30 Year Mortgage

APR=Annual Percentage Rate. The information provided is for a 30-year fixed mortgage with a 10-year call and assumes the purpose of the loan is to refinance a property, with a loan amount of $150,000.00 and an estimated property value of $187,500. The property is located in UT and is within Box Elder County. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 45 days and the assumed credit score is 720.

At a 5.25% interest rate, the APR for this loan type is 5.41%. The monthly payment would be $828.31

119 payments of $828.31 at an interest rate of 5.25%. With a final payment of approximately $123,749.99 at the end of the 10th year.

The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner’s insurance or property taxes which must be paid in addition to your loan payment. An escrow account may be required.

10 Year 2nd Mortgage

APR=Annual Percentage Rate. The information provided is for a 10-year fixed mortgage and assumes the purpose of the loan is to refinance a property, with a loan amount of $75,000.00 and an estimated property value of $300,000.00 with a combined LTV of 80% or less. The property is located in UT and is within Box Elder County. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 45 days and the assumed credit score is 720.

At a 6.00% interest rate, the APR for this loan type is 6.29%. The monthly payment would be $832.65

120 payments of $832.65 at an interest rate of 6.00%.

The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner’s insurance or property taxes which must be paid in addition to your loan payment. An escrow account may be required.

15 Year 2nd Mortgage

APR=Annual Percentage Rate. The information provided is for a 15-year fixed mortgage and assumes the purpose of the loan is to refinance a property, with a loan amount of $75,000.00 and an estimated property value of $300,000.00 with a combined LTV of 80% or less. The property is located in UT and is within Box Elder County. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 45 days and the assumed credit score is 720.

At a 6.50% interest rate, the APR for this loan type is 6.71%. The monthly payment would be $653.33

180 payments of $653.33 at an interest rate of 6.50%.

The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner’s insurance or property taxes which must be paid in addition to your loan payment. An escrow account may be required.

Home Equity Line of Credit

APR= Annual Percentage Rate. On approved credit. The rate is a variable annual percentage rate of Prime plus .25% provided the borrower’s credit score is 720 (Prime Rate is determined by the Federal Reserve). Prime Rate is currently 6.25%. The maximum interest rate over the life of the loan is 18%. The minimum interest rate over the life of the loan is 4.00%. Some restrictions may apply. Rates are subject to change. Membership is required based on eligibility. Consult your tax advisor for more information regarding the tax-deductible benefits of a home equity line of credit.

Support Loan

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Hours

Monday – Friday

9 AM – 6 PM

Saturday

9 AM – 2 PM

On Saturday’s our Garland office has drive-up services only.

We encourage you to use Online, Mobile, and ATM banking which is available 24/7 and easy to use. If you don’t have some of these services, we are happy to set them up for you. All loans and new accounts or services can be done over the phone or online.

Digital Services

For your convenience and 24/7 availability, we recommend the following digital banking tools, which are easy to use.

Online & Mobile Banking
Direct Deposit
Mobile Deposit
Bill Pay
Bank2Bank & Account Transfers
Alerts & Notifications
Online Statements
Wire Transfers
Online Loan Application
Online “Become A Member” Application
LoanPay – Use your debit card or credit card to quickly and securely make your loan payment over the phone. Call (435) 723.3437

Beware of Scams

Unfortunately, some people and companies are taking advantage of the fears surrounding the spread of the virus. Do not let fear cloud your judgment when accessing links from emails and social media. If you get an unsolicited email regarding the coronavirus from someone claiming to be from the CDC, state, or other local authority, it is most likely a scam. Elevate Credit Union will never ask you for your PIN or request sensitive information via email. If you receive a suspicious message of this nature, let us know.

Here are some tips from the Federal Trade Commission.

Here To Help

We understand that you may be impacted by the coronavirus financially. If this is the case, we encourage you to contact Elevate Credit Union to discuss your specific situation. (435) 723.3437

HELPING OPTIONS

Budget Counseling
Support Loan
Skip-a-Pay
Debt refinances or consolidation

HOURS

Monday – Friday 9 am – 6 pm

Saturday 9 am – 2 pm

10 Year NO FEE Mortgage

APR=Annual Percentage Rate. The information provided is for a 10-year fixed mortgage and assumes the purpose of the loan is to refinance a property, with a loan amount of $150,000.00 and an estimated property value of $230,770. The property is located in UT and is within Box Elder County. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 45 days and the assumed credit score is 720.

At a 5.25% interest rate, the APR for this loan type is 5.25%. The monthly payment would be $1609.38

120 payments of $1609.38 at an interest rate of 5.25%.

The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner’s insurance or property taxes which must be paid in addition to your loan payment. An escrow account may be required.

15 Year NO FEE Mortgage

APR=Annual Percentage Rate. The information provided is for a 15-year fixed mortgage and assumes the purpose of the loan is to refinance a property, with a loan amount of $150,000.00 and an estimated property value of $230,770. The property is located in UT and is within Box Elder County. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 45 days and the assumed credit score is 720.

At a 5.60% interest rate, the APR for this loan type is 5.60%. The monthly payment would be $1,233.60

180 payments of $1,233.60 at an interest rate of 5.60%.

The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner’s insurance or property taxes which must be paid in addition to your loan payment. An escrow account may be required.

20 Year No Fee Mortgage

APR=Annual Percentage Rate. The information provided is for a 20-year fixed mortgage with a 10-year call and assumes the purpose of the loan is to refinance a property, with a loan amount of $150,000.00 and an estimated property value of $230,770. The property is located in UT and is within Box Elder County. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 45 days and the assumed credit score is 720.

At a 5.75% interest rate, the APR for this loan type is 5.75%. The monthly payment would be $1053.13

119 payments of $1,053.13 at an interest rate of 5.75%. With a final payment of approximately $96,992.28 at the end of the 10th year.

The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner’s insurance or property taxes which must be paid in addition to your loan payment. An escrow account may be required.

30 Year NO FEE Mortgage

APR=Annual Percentage Rate. The information provided is for a 30-year fixed mortgage with a 10-year call and assumes the purpose of the loan is to refinance a property, with a loan amount of $150,000.00 and an estimated property value of $230,770. The property is located in UT and is within Box Elder County. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 45 days and the assumed credit score is 720.

At a 5.75% interest rate, the APR for this loan type is 5.75%. The monthly payment would be $875.36

119 payments of $875.36 at an interest rate of 5.75%. With a final payment of approximately $125,555.41 at the end of the 10th year.

The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner’s insurance or property taxes which must be paid in addition to your loan payment. An escrow account may be required.

Apply for a Scholarship

We are accepting scholarship applications until April 10, 2023
Name * Required
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Best Phone Number * Required
Email * Required
High School * Required
Cumulative GPA * Required
Are you related to an Elevate Credit Union Employee or volunteer? * Required
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- Yes
If you answered yes, what is the relationship?
Scholarship Use
What school will the scholarship be used for? * Required
Field of study/major: * Required
Community Service and Volunteer Work
List community service and volunteer work in which you are currently active or have been active during the past two years. Include any leadership positions, and community activities in which you have participated.
1. Organization/Group:
Dates of Participation
Service Provided:
2. Organization/Group:
Dates of Participation
Service Provided:
3. Organization/Group:
Dates of Participation
Service Provided:
Other community service or volunteer work:
Extracurricular Activities
I. Activity:
Dates of Participation
Awards or Accomplishments:
2. Activity:
Dates of Participation
Awards or Accomplishments:
3. Activity:
Dates of Participation
Awards or Accomplishments:
Other Extracurricular Activities:
Financial Need
Have you been awarded financial assistance for your upcoming school year from any other source?
- No
- Yes
If yes, please list the source:
Total:
Please list any special financial circumstances that you think we should be aware of:
Transcript Information
Please attach an official school transcript of the most recently completed trimester. It must include a cumulative GPA, ACT Score, class rank, and citizenship grades.
Upload Transcript * Required
Max. file size: 10 MB.
Maximum file size - 10 mega bytes.
Essay
Please respond to the following question: “In today’s world, what do students need to learn to become financially responsible adults?” Your essay should be one page, typed, and double spaced. Please put your full name and phone number on the top of the essay page.
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Max. file size: 10 MB.
Maximum file size - 10 mega bytes.
Student Signature * Required
I certify that the information in this application is true and correct. I also certify that I personally answered all the questions and wrote the essay relating to this scholarship application. I agree that Elevate Credit Union may use my name and possibly a photograph for publicity purposes.
First Last
Date - must be mm/dd/yyyy format
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Parent/Guardian Signature * Required
I affirm that the information contained in this application is true and correct.
First Last
Date - must be mm/dd/yyyy format
MM slash DD slash YYYY
Sensitive Data * Required
- I agree
By selecting “I agree” you agree to not submit sensitive data through this form (ex. social security, license, account numbers, etc). If you have a question about your account, please call us or visit a branch.
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