Disclosures - Elevate Credit Union

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Member Service Agreement

Digital Wallet Disclosure

eSign Consent Notice

Mobile Deposit Service Agreement

Funds Availability of Deposits

Our Electronic Fund Transfer Terms

Our Privacy Notice

Online Banking Agreement and Disclosures

Our Rates and Service Charges

Our Helpful Overdraft Services
Business Member Service Agreement

Digital Wallet Disclosure

Our Electronic Fund Transfer Terms

eSign Consent Notice

Mobile Deposit Service Agreement

Funds Availability of Deposits

Our Privacy Notice

Online Banking Agreement and Disclosures

Our Rates and Service Charges
Some merchants may permit you to initiate debit and bill payment transactions with your card using either the VISA network or another network shown on your card, such as the STAR network. Elevate Federal Credit Union will honor your debit transactions processed by any of these networks.

Transactions processed over the VISA network do not require you to use your PIN to validate the transaction. Generally, you will sign a receipt, provide your card number (e.g., internet, mail, or telephone transactions), or swipe your card at a terminal. Also, there are certain protections and rights, such as zero liability protection as described in the “Member Liability” section of your Debit Card Agreement, applicable only to VISA processed transactions.

Transactions processed over other networks may not require you to use your PIN to validate a transaction. Generally, you enter your card number or swipe your card and provide or enter a PIN. However, some merchants may not require you to provide a PIN and may allow you to choose whether the transaction is processed by VISA or another network. Provisions applicable only to VISA transactions (such as VISA’s zero liability protections) will not apply to non-VISA debit transactions. The liability rules for other EFTs in the section titled “Member Liability” will apply.

Please contact Elevate Federal Credit Union if you have any questions regarding this notice. (435) 723.3437
Your Federally Insured Funds

Your Responsibilities for NSF and Overdrafts

Important Information about Google Store and your Mobile App

Notice of Binding Arbitration and Class Action Waiver

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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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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. 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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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
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What school will the scholarship be used for? * Required
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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.
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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.
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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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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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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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YOUR MONEY IS SAFE

. Elevate Credit Union is insured up to $250,000 by NCUA. We are safe, strong and very secure! LEARN MORE