Scheduled Maintenance - Elevate Credit Union

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Posted By DeonMiller on September 15, 2023

ATTENTION

Saturday, October 21st, our branches, online banking, mobile banking, and Elevate ATMs will be unavailable from 1:00 pm to early Sunday morning due to scheduled maintenance on our systems. Please mark your calendars and plan ahead. We apologize for the inconvenience and thank you for your patience and understanding.

WHAT WILL THE SERVICE MAINTENANCE EFFECT?

All branches will be closed by 1:00 p.m.
Online Banking will not be available
Mobile App will not be available
Elevate ATMs will not be available
The Phone Teller will be unavailable

HOW LONG WILL IT TAKE?

We anticipate the upgrade will begin at 1:00 p.m. and will last until the early hours of Sunday Morning.

HOW CAN I PREPARE?

Withdraw any cash you will need
Card transactions may be limited; get cash in advance for large purchases
Plan to complete any in-branch business before the maintenance
Plan to pay online bills, transfers, and loans before or after the maintenance
Do any planned shopping before or after October 21st

If you have questions, please call or text us at (435) 723.3437

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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 6.50% interest rate, the APR for this loan type is 6.77%. The monthly payment would be $1703.22

120 payments of $1703.22 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.

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 6.00% interest rate, the APR for this loan type is 6.49%. The monthly payment would be $2899.92

60 payments of $2899.92 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 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 6.99% interest rate, the APR for this loan type is 7.18%. The monthly payment would be $1347.40

180 payments of $1347.40 at an interest rate of 6.99%.

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 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 6.99% interest rate, the APR for this loan type is 7.18%. The monthly payment would be $1162.05

119 payments of $1162.05 at an interest rate of 6.99%. The final payment was approximately $101,289.05 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 6.99% interest rate, the APR for this loan type is 7.17%. The monthly payment would be $996.95

119 payments of $996.95 at an interest rate of 6.99%. The final payment was approximately $129,684.65 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.

Home Equity Line of Credit 81-100% LTV

APR = Annual Percentage Rate. Variable rate based on the Wall Street Journal Prime Rate plus margin of 3.25%. As of March 1, 2024, Prime Rate is 8.50%. Subject to credit approval. Rates, terms, and conditions are subject to change without notice. Other restrictions apply. Maximum variable APR of 18% and minimum variable rate APR of 4%. APRs for home equity lines of credit with a loan-to-value (LTV) between 81% and 100% of the subject property are based on the Prime Rate plus a margin and your credit score. Property insurance is required. Fees may apply if closed within 36 months.

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

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 7.25% interest rate, the APR for this loan type is 7.25%. The monthly payment would be $1,722.36

120 payments of $1,722.36 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 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 7.74% interest rate, the APR for this loan type is 7.74%. The monthly payment would be $1,411.05

180 payments of $1,411.05 at an interest rate of 7.74%.

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 7.74% interest rate, the APR for this loan type is 7.74%. The monthly payment would be $1,230.50.

119 payments of $1,230.50 at an interest rate of 7.74%. The final payment was approximately $103,807.37 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 7.74% interest rate, the APR for this loan type is 7.74%. The monthly payment would be $1,073.58

119 payments of $1,073.58 at an interest rate of 7.74%. With a final payment of approximately $131,945.70 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.

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Home Equity Line of Credit 51-80% LTV

APR = Annual Percentage Rate. Variable rate based on the Wall Street Journal Prime Rate plus margin of 0.25%. As of March 1, 2024, Prime Rate is 8.50%. Subject to credit approval. Rates, terms, and conditions are subject to change without notice. Other restrictions apply. Maximum variable APR of 18% and minimum variable rate APR of 4%. APRs for home equity lines of credit with a loan-to-value (LTV) between 51% and 80% of the subject property are based on the Prime Rate plus a margin and your credit score. Property insurance is required. Fees may apply if closed within 36 months.

Home Equity Line of Credit 50% LTV

APR = Annual Percentage Rate. Variable rate based on the Wall Street Journal Prime Rate. As of March 1, 2024, Prime Rate is 8.50%. Subject to credit approval. Rates, terms, and conditions are subject to change without notice. Other restrictions apply. Maximum variable APR of 18% and minimum variable rate APR of 4%. APRs for home equity lines of credit with a loan-to-value (LTV) up to 50% of the subject property are based on the Prime Rate and your credit score. Property insurance is required. Fees may apply if closed within 36 months.

HELOC 6 Month Intro Rate 50-80% LTV

Introductory rate of 5.50% Annual Percentage Rate (APR) fixed for 180 days after account opening. After the introductory period, the APR on outstanding balance will revert to a variable rate based on the Wall Street Journal Prime Rate plus the margin stated in your original home equity line of credit agreement. Rates, terms, and conditions are subject to change without notice. Other restrictions apply. Home equity loans and lines of credit have a maximum variable APR of 18% and minimum variable APR of 4%. As of March 1, 2024, Prime Rate is 8.50% APR. APRs for home equity lines of credit are based on the prime rate plus a margin, and are determined by your credit score and loan to value of the subject property. Fees may apply if closed within 36 months. Property insurance is required. Subject to credit approval.