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Apply for a Home Loan Product

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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

Great! How do you want to apply?
Application Method * Required
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Complete this Quick Start Request and loan officer will be in touch shortly to answer any questions. Easy… Breezy!
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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 3.00% interest rate, the APR for this loan type is 3.234%. The monthly payment would be $1448.41

120 payments of $1448.41 at an interest rate of 3.00%.

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 2.75% interest rate, the APR for this loan type is 3.193%. The monthly payment would be $2678.67

60 payments of $2678.67 at an interest rate of 2.75%.

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 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 3.25% interest rate, the APR for this loan type is 3.412%. The monthly payment would be $1054.00

180 payments of $1054.00 at an interest rate of 3.25%.

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.

Donation Request

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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 3.00% interest rate, the APR for this loan type is 3.160%. The monthly payment would be $831.90

119 payments of $831.90 at an interest rate of 3.00%. With a final payment of approximately $86,984.01 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 3.00% interest rate, the APR for this loan type is 3.146%. The monthly payment would be $632.41

119 payments of $632.41 at an interest rate of 3.00%. With a final payment of approximately $114,661.52 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 4.520%. 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 4.942%. 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 by 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.

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New Hours

Monday – Friday (drive-up only)

10 AM – 6 PM

Saturday (drive-up only)

9 AM-Noon

LOBBIES ARE CLOSED
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. Access to Safe Deposit Boxes will be by appointment only.

Canceled Events

Annual Meeting

Our traditional Annual Meeting which was to be held on Monday, April 6th has been canceled. Instead, we will be holding a brief Annual Meeting to cover the required business in our Brigham City office lobby on Monday, April 6th at noon. The agenda will be as follows: approval of last year’s Annual Meeting minutes and a motion to re-elect Sid Forsgren and Darlene Wyatt who are running unopposed for re-election. There will be no nominations from the floor. Elevate Credit Union’s Annual Report will be available on our website and at our branches.

Shred Fest

Our Spring Shred Fest has been canceled. At this time our Fall Shred Fest which will be held in October at our Garland branch is still scheduled to take place.

Youth Month

We have postponed our Youth Month Celebration during the month of April.

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

CURRENT HOURS

M-F 10 am – 6 pm

Saturday 9 am – noon