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NMLS Numbers

Elevate Credit Union: 641663

Melissa Jeppesen: 649312

Jen Sorensen: 1861781

Katie Toone: 649314

NCUA

Federally insured by NCUA. Unauthorized account access or use is not permitted and may constitute a crime punishable by law. Elevate Federal Credit Union does business as Elevate Credit Union.

Equal Housing Lender

We are an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, handicap, or familial status.

Free Car Buying Guide

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10 Year Mortgage

APR=Annual Percentage Rate. The information provided is for a 10-year fixed mortgage. It 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 5.75% interest rate, the APR for this loan type is 6.01%. The monthly payment would be $1646.54

120 payments of $1646.54 at an interest rate of 5.75%.

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 5.25% interest rate, the APR for this loan type is 5.56%. The monthly payment would be $2847.90

60 payments of $2847.90 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 Mortgage

APR=Annual Percentage Rate. The information provided is for a 15-year fixed mortgage. It assumes the purpose of the loan is to refinance a property, with a loan amount of $150,000 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 6.00% interest rate, the APR for this loan type is 6.11%. The monthly payment would be $1265.79

180 payments of $1265.79 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.

Donation Request

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Is the organization you are making a request for non-profit? (501c3) * 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 6.50% interest rate, the APR for this loan type is 6.61%. The monthly payment would be $1118.36

119 payments of $1118.36 at an interest rate of 6.50%. The final payment was approximately $99,610.49 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 6.50% interest rate, the APR for this loan type is 6.60%. The monthly payment would be $948.10

119 payments of $948.10 at an interest rate of 6.50%. The final payment was approximately $128,112.57 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. It 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 7.25% interest rate, the APR for this loan type is 7.43%. The monthly payment would be $880.51

120 payments of $880.51 at an interest rate of 7.25%.

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 2nd Mortgage

APR=Annual Percentage Rate. The information provided is for a 15-year fixed mortgage. It 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 7.75% interest rate, the APR for this loan type is 7.88%. The monthly payment would be $705.96

180 payments of $705.96 at an interest rate of 7.75%.

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 8.00%. 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.

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.

10 Year NO FEE Mortgage

APR=Annual Percentage Rate. The information provided is for a 10-year fixed mortgage. It 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 6.50% interest rate, the APR for this loan type is 6.50%. The monthly payment would be $1,703.22

120 payments of $1,703.22 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.

15 Year NO FEE Mortgage

APR=Annual Percentage Rate. The information provided is for a 15-year fixed mortgage. It 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 6.85% interest rate, the APR for this loan type is 6.85%. The monthly payment would be $1,335.69

180 payments of $1,335.69 at an interest rate of 6.85%.

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 7.00% interest rate, the APR for this loan type is 7.00%. The monthly payment would be $1,162.95.

119 payments of $1,162.95 at an interest rate of 7.00%. The final payment was approximately $101,323.03 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 7.00% interest rate, the APR for this loan type is 7.00%. The monthly payment would be $947.95

119 payments of $947.95 at an interest rate of 7.00%. With a final payment of approximately $129,717.11 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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High School * Required
Cumulative GPA * Required
Are you related to an Elevate Credit Union Employee or volunteer? * Required
- No
- 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:
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2. Organization/Group:
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Service Provided:
3. Organization/Group:
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Service Provided:
Other community service or volunteer work:
Extracurricular Activities
I. Activity:
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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.
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