Skip nav to main content.


Grow Your Money

A secure way to grow your savings.

  • happy older person sitting near a lake

    Final Balance

    Contributions:    |    Earnings:
    Initial Deposit
    Dividend Rate
    Term (Months)

    Why Elevate

    Options for everyone

    Our Certificates are built to deliver great returns, whether you invest $50 or well over $10,000.

    • Starter Certificates can be opened with just $50 and a commitment to $25 monthly deposits.
    • Traditional Share Certificates can be opened with $500 and mature at terms from 6 to 36 months.
    • Fluid Certificates are for amounts $10,000 and over and mature in 7 months. They allow one penalty-free withdrawal per month and can add funds at any time.


    older couple happily biking in fall
    family and pet in the fall
    baby in a car seat yawning
    • Insured by NCUA
    • Various Terms
    • Great Rates

    The funds in the account(s) with us are insured by the National Credit Union Share Insurance Fund (NCUSIF), which is backed by the full faith and credit of the United States Government.

    For more information about the NCUSIF and share insurance coverage, learn more by reviewing here.

    Working with Elevate Credit Union has been nothing short of amazing!

    Scott, Member since 2018

    Contact us to open a certificate


    Call or text (435) 723.3437

    Contact Us

    Drop By

    Visit a branch.

    Find a Branch


    Not sure where to start?

    Get Help Now
  • Certificate Rates

    TermMinimum Balance Dividend Rate APY*
    6-Month $5005.00%
    7-Month (FLUID)** $10,000 5.00%
    12-Month $500 5.00%
    18-Month $500 5.00% with bump
    24-Month $500 4.25%
    30-Month $500 4.00%
    36-Month $500 4.00%

    *Terms & Conditions – APY = annual percentage yield | Rates subject to change without notice | Rates listed as of July 12, 2023 | Certificate rates are subject to early closure penalties; please see us for details.

    **For Fluid Certificates, you may make one monthly withdrawal as long as the minimum balance of $10,000 is maintained. You may also make additional deposits at any time.

    Starter Certificate Rate

    Type Minimum Balance Dividend Rate APY*
    Starter Certificate $50 5.00%

    *Terms & Conditions – APY = annual percentage yield | Rates subject to change without notice | Rates listed as of July 12, 2023 | Certificate rates are subject to early closure penalties; please see us for details. For Starter Certificates, you may make additional deposits at any time. A minimum deposit of $25.00 per month. When your balance reaches $500.00, the funds in the account will be transferred to a 12-month certificate.

  • Frequently Asked Questions

    • You can withdraw monthly, and make unlimited deposits.
    • Most of our certificates can be opened with $500, except for a Starter Certificate, which is just $50 to open and the 7-month Fluid Certificate which is $10,000 to open.
    • Yes, we have this feature on our 18-month certificate.
    • Yes, If funds are withdrawn from the certificate before it reaches its term, some dividends will be forfeited. (6-12-month certificates lose 2 months of dividends, and 18-36-month certificates lose 6 months of dividends)
    • It will be rolled over to a 12-month Certificate.
    • Yes, you need to commit to at least a $25 per month deposit.
    • Fluid Certificates are for terms of 7 months and require a minimum opening deposit of $10,000. You can add money to the Fluid Certificate at any time. One withdrawal can be made each month without a penalty as long as the balance remains above $10,000.
    • If you withdraw the money from a Certificate before it matures, you'll never lose the principal that you have invested. There might be dividend penalties for the early withdrawal. If you think you'll need to withdraw money from the Certificate, consider a Fluid Certificate. As long as your balance remains over $10,000, you can make one penalty-free withdrawal per month.
  • Send a message

    Please do not include any account-specific information.

      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.
    • This field is for validation purposes and should be left unchanged.

    Sit down with a specialist

    Get 1-on-1 advice and guidance

    Schedule Appointment

    Give us a call

    Always happy to hear from you

    Call or Text (435) 723.3437