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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.
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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 3.50% interest rate, the APR for this loan type is 3.74%. The monthly payment would be $1483.29
120 payments of $1483.29 at an interest rate of 3.5%.
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 2.99% interest rate, the APR for this loan type is 3.45%. The monthly payment would be $2694.64
60 payments of $2694.64 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.
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 3.85% interest rate, the APR for this loan type is 4.02%. The monthly payment would be $1098.89
180 payments of $1098.89 at an interest rate of 3.85%.
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.
Donation Request
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 3.50% interest rate, the APR for this loan type is 3.67%. The monthly payment would be $869.94
119 payments of $869.94 at an interest rate of 3.50%. With a final payment of approximately $88844.05 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 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 3.50% interest rate, the APR for this loan type is 3.65%. The monthly payment would be $673.57
119 payments of $673.67 at an interest rate of 3.50%. With a final payment of approximately $116813.46 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 5.25% interest rate, the APR for this loan type is 5.53%. The monthly payment would be $804.69
120 payments of $804.69 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 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 5.75% interest rate, the APR for this loan type is 5.95%. The monthly payment would be $622.81
180 payments of $622.81 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.
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 3.50%. The maximum interest rate over the life of the loan is 18%. The minimum interest rate over the life of the loan is 4.25%. Some restrictions may apply. Rates are 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.
Support Loan
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
2021 Events
Currently, we have not canceled any of our upcoming events.
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
10 Year NO FEE 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 $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 4.50% interest rate, the APR for this loan type is 4.50%. The monthly payment would be $1554.58
120 payments of $1554.58 at an interest rate of 4.50%.
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 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 4.85% interest rate, the APR for this loan type is 4.85%. The monthly payment would be $1174.50
180 payments of $1174.50 at an interest rate of 4.85%.
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 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 4.50% interest rate, the APR for this loan type is 4.50%. The monthly payment would be $948.97
119 payments of $948.97 at an interest rate of 4.50%. With a final payment of approximately $92515.46 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 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 4.50% interest rate, the APR for this loan type is 4.50%. The monthly payment would be $715.26
119 payments of $715.26 at an interest rate of 4.50%. With a final payment of approximately $120893.89 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.
Leaving Our Website
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.