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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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Elevate Credit Union uses text, email, and phone to communicate with our members.

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- Yes, I'm a member
- No, I'm not a member yet

Sounds good!

You can apply right here online. Click "Continue" to start the application.
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Complete this Quick Start Request and an account representative will be in touch shortly to answer any questions. Easy… Breezy!
Comments & questions?
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Apply for a Home Loan Product

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Applying for
Product
Name * Required
First Last
Email * Required
Best Phone Number
Elevate Credit Union uses text, email, and phone to communicate with our members.

Are you a member of Elevate? * Required
- Yes, I'm a member
- No, I'm not a member yet

Great! How do you want to apply?
Application Method * Required
- Quick Start
- Phone
- Branch

Sounds good!

Complete this Quick Start Request and loan officer will be in touch shortly to answer any questions. Easy… Breezy!
Comments & questions?
Sounds good!

Click "Continue" to give us a call and we'll do the application over the phone.
Sounds good!

Click "Continue" to find your nearest Elevate branch and stop by today.
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Quick Start

Complete this Quick Start Request and a loan officer will be in touch shortly to answer any questions.

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Email * Required
Comments & Questions
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NMLS Numbers

Elevate Credit Union: 641663

Jen Sorensen: 1861781

Katie Toone: 649314

Melissa Jeppesen: 649312

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

Please fill out the following information to receive your 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 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 2.49% interest rate, the APR for this loan type is 2.724%. The monthly payment would be $1413.37

120 payments of $1413.37 at an interest rate of 2.49%.

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.

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 2.49% interest rate, the APR for this loan type is 2.937%. The monthly payment would be $2661.44

60 payments of $2661.44 at an interest rate of 2.49%.

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.

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 2.99% interest rate, the APR for this loan type is 3.153%. The monthly payment would be $1035.15

180 payments of $1035.15 at an interest rate of 2.99%.

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.

Donation Request

Contact Name * Required
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Organization Requesting Donation * Required
Is the organization you are making a request for non-profit? (501c3) * Required
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Request * Required
- Monetary Donation
- Raffle or Auction Item
Requested Donation Amount (if applicable)
Please explain what your requested donation will be used for. * Required
Date of event (if applicable)
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If you have any further information you'd like us to see, please upload it here.
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20 Year Mortgage

APR=Annual Percentage Rate. The information provided is for a 20-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 2.49% interest rate, the APR for this loan type is 2.65%. The monthly payment would be $794.12

119 payments of $794.12 at an interest rate of 2.49%. With a final payment of approximately $85074.67 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 20-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 2.49% interest rate, the APR for this loan type is 2.635%. The monthly payment would be $591.90

119 payments of $591.90 at an interest rate of 2.49%. With a final payment of approximately $112394.96 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 4.25% interest rate, the APR for this loan type is 4.446%. The monthly payment would be $768.28

120 payments of $768.28 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 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 4.75% interest rate, the APR for this loan type is 4.883%. The monthly payment would be $583.37

180 payments of $583.37 at an interest rate of 4.75%.

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 .50% provided the borrower’s credit score is 720 (Prime Rate is determined by the Federal Reserve). Prime Rate is currently 3.25%. 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 subject to change. Membership required-based on eligibility. Consult your tax advisor for more information regarding the tax-deductible benefits of a home equity line of credit.

Applying for
Product
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Elevate Credit Union uses text, email, and phone to communicate with our members.
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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.

Canceled Events

Blood Drive

The Red Cross Canceled our blood drive in October due to COVID.

Halloween Carnival

The Halloween Carnival is still scheduled but we have decided to keep our staff safe and skip this year’s carnival.

Santa Visits

The Santa visits for this year are canceled due to the high number of cases at this time.

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

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Elevate Credit Union does not have any responsibility for, or control over, any external website, their content or their privacy policies. We do not endorse or make any representations about them, or any information, products, or materials found there, or any results that may be obtained from using them. If you decide to access any of the linked third-party websites, you do so entirely at your own risk. You are encouraged to review the privacy notice for each linked website.

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