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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
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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.
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 6.00% interest rate, the APR for this loan type is 6.26%. The monthly payment would be $1665.31
120 payments of $1665.31 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.
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 5.50% interest rate, the APR for this loan type is 5.99%. The monthly payment would be $2865.17
60 payments of $2865.17 at an interest rate of 5.50%.
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 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 6.75% interest rate, the APR for this loan type is 6.94%. The monthly payment would be $1327.36
180 payments of $1327.36 at an interest rate of 6.75%.
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.
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 6.75% interest rate, the APR for this loan type is 6.94%. The monthly payment would be $1140.55
119 payments of $1140.55 at an interest rate of 6.75%. The final payment was approximately $100,469.71 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 6.75% interest rate, the APR for this loan type is 6.93%. The monthly payment would be $972.90
119 payments of $972.90 at an interest rate of 6.75%. The final payment was approximately $128,923.957 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
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 8.50%. 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.
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 6.75% interest rate, the APR for this loan type is 6.75%. The monthly payment would be $1,722.36
120 payments of $1,722.36 at an interest rate of 6.75%.
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.
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 7.50% interest rate, the APR for this loan type is 7.50%. The monthly payment would be $1,390.52
180 payments of $1,390.52 at an interest rate of 7.50%.
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.
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 7.25% interest rate, the APR for this loan type is 7.25%. The monthly payment would be $1,185.56.
119 payments of $1185.56 at an interest rate of 7.25%. The final payment was approximately $102,170.39 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 7.25% interest rate, the APR for this loan type is 7.25%. The monthly payment would be $1,023.26
119 payments of $1,023.26 at an interest rate of 7.25%. With a final payment of approximately $130,489.54 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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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.