What are the current interest rates at Elevate Federal Credit Union?

Current rates for Elevate Federal Credit Union include: 12-Month CD: 3.90%, 18-Month CD: 3.90%, 24-Month CD: 4.05%, Savings: 0.10%

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Elevate Federal Credit Union

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Elevate Federal Credit Union Rates & Review August 2026

Q: Is a member application needed to join Elevate Federal Credit Union?

Yes, to access services at Elevate Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Elevate Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 28, 2026

Elevate Federal Credit Union's 24-Month CD rates are at 4.05%, 12-Month CD rates are at 3.90%, 18-Month CD rates are at 3.90%, 6-Month CD rates are at 3.90%, 7-Month FLUID CD rates are at 3.85%. Elevate Federal Credit Union's savings rates are at 0.10%. Elevate Federal Credit Union's Personal Loan Rates are at 11.50%. MonitorBankRates evaluates the financial stability of Elevate Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.36%. Rates last updated and verified on 08/28/2026.

Elevate Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Elevate Federal Credit Union? Share your experience about Elevate Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Elevate Federal Credit Union.

Exceptional Health Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.36%

Excellent Lower than avg

Elevate Federal Credit Union
Elevate Credit Union

1023 Medical Dr
Brigham City, UT 84302 3049

https://www.elevatecu.com

Elevate Federal Credit Union CD Rates

Product	Rate	APY	Term
24-Month Certificate	-	4.05%	24-Month
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
12-Month Certificate	-	3.90%	12-Month
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
18-Month Certificate	-	3.90%	18-Month
Min Balance $500 Details w/bump Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
6-Month Certificate	-	3.90%	6-Month
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
7-Month FLUID Certificate	-	3.85%	7-Month
Min Balance $10,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
9-Month GROWTH CERTIFICATE	-	3.85%	9-Month
Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%

Elevate Federal Credit Union Savings Rates

Product	Rate	APY
Dollar Dog Kids Club	-	0.10%
Min Balance $25 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
Traditional Savings	-	0.10%
Min Balance $25 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%

Elevate Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR
HELOC 5-Year Mortgage	5.24%	-	5.74%
Details 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 5.24% interest rate, the APR for this loan type is 5.74%. The monthly payment would be $2,847.21 60 payments of $2,847.21 at an interest rate of 5.24%. 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. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
HELOC 10-Year Mortgage	5.74%	-	6.01%
Details 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 5.74% interest rate, the APR for this loan type is 6.01%. The monthly payment would be $1,645.79 with 120 payments of $1,645.79 at an interest rate of 5.74%. 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. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
HELOC 15-Year Mortgage	6.49%	-	6.60%
Details 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 6.49% interest rate, the APR for this loan type is 6.60%. The monthly payment would be $1,305.84 with 180 payments of $1,305.84 at an interest rate of 6.49%. 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. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
HELOC 30-Year Mortgage	6.49%	-	6.67%
Details 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 6.49% interest rate, the APR for this loan type is 6.67%. The monthly payment would be $947.12. 119 payments of $947.12 at an interest rate of 6.49%. The final payment was approximately $128,078.61 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. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
HELOC 20-Year Mortgage	6.49%	-	6.69%
Details 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 6.49% interest rate, the APR for this loan type is 6.69%. The monthly payment would be $1,117.48. 119 payments of $1,117.48 at an interest rate of 6.49%. The final payment was approximately $99,575.53 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. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
Home Equity Line of Credit (HELOC)	-	-	6.75%
Details Introductory rate of 3.99% Annual Percentage Rate (APR) fixed for 180 days after account opening. After the introductory period, the APR on outstanding balance will revert to a variable rate based on the Wall Street Journal Prime Rate plus the margin stated in your original home equity line of credit agreement. Rates, terms, and conditions are subject to change without notice. Other restrictions apply. Home equity loans and lines of credit have a maximum variable APR of 18% and a minimum variable APR of 4%. As of December 10, 2025, Prime Rate is 6.75% APR. APRs for home equity lines of credit are based on the prime rate plus a margin, and are determined by your credit score and loan to value of the subject property. Fees may apply if closed within 36 months. Property insurance is required. Subject to credit approval. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
Home Equity Line of Credit (HELOC)	-	-	7.00%
Details Introductory rate of 3.99% Annual Percentage Rate (APR) fixed for 180 days after account opening. After the introductory period, the APR on outstanding balance will revert to a variable rate based on the Wall Street Journal Prime Rate plus the margin stated in your original home equity line of credit agreement. Rates, terms, and conditions are subject to change without notice. Other restrictions apply. Home equity loans and lines of credit have a maximum variable APR of 18% and a minimum variable APR of 4%. As of December 10, 2025, Prime Rate is 6.75% APR. APRs for home equity lines of credit are based on the prime rate plus a margin, and are determined by your credit score and loan to value of the subject property. Fees may apply if closed within 36 months. Property insurance is required. Subject to credit approval. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
HELOC 10-Year 2nd Mortgage	6.74%	-	7.07%
Details 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 6.74% interest rate, the APR for this loan type is 7.07%. The monthly payment would be $860.80. 120 payments of $860.80 at an interest rate of 6.74%. 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. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
Home Equity Line of Credit (HELOC)	-	-	10.00%
Details APR = Annual Percentage Rate. Variable rate based on the Wall Street Journal Prime Rate plus a margin of 3.25%. As of December 10, 2025, Prime Rate is 6.75%. Subject to credit approval. Rates, terms, and conditions are subject to change without notice. Other restrictions apply. Maximum variable APR of 18% and minimum variable rate APR of 4%. APRs for home equity lines of credit with a loan-to-value (LTV) between 81% and 100% of the subject property are based on the Prime Rate plus a margin and your credit score. Property insurance is required. Fees may apply if closed within 36 months. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%

Elevate Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	4.24%	36 months
Details As Low As; Age of Vehicle: 2016-2026. LOWEST RATE. No payment for 60 days Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
Auto Loan	-	-	4.49%	48 months
Details As Low As; Age of Vehicle: 2016-2026. No payment for 60 days Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
Auto Loan	-	-	4.74%	66 months
Details As Low As; Age of Vehicle: 2016-2026. No payment for 60 days Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
Auto Loan	-	-	4.99%	72 months
Details As Low As; Age of Vehicle: 2016-2026. $12,000 or more. No payment for 60 days Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
Auto Loan	-	-	5.74%	84 months
Details As Low As; Age of Vehicle: 2016-2026. $25,000 or more. No payment for 60 days Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
Auto Loan	-	-	6.24%	60 months
Details As Low As; Age of Vehicle: 2011-2015. No payment for 60 days Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%
Auto Loan	-	-	8.49%	48 months
Details As Low As; Age of Vehicle: 2010 & Older. No payment for 60 days Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%

Elevate Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Credit Card	-	5.99%
Details Intro rate expires: 6 months; Regular APR: 11.25% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%

Elevate Federal Credit Union Personal Loan Rates

Product	Rate	APR	View More
Personal Loan	-	11.50%
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.36%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Elevate Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Elevate Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Elevate Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Elevate Federal Credit Union

Website https://www.elevatecu.com

Address 1023 Medical Dr, Brigham City, UT 84302 3049

Phone 435-723-3437

Fax 435-723-8424

President Blake Broadheaad

CEO Scott Webre

Full-Time Employees 40

Part-Time Employees 6

Branch Locations 3

ATM Locations 3

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.36%

Return on Assets (ROA)

1.2841%

Return on Equity (ROE)

6.2477%

Non-Performing Loans Ratio (NPL)

0.12%

Total Assets

248,521,056

Total Amount of Shares and Deposits

196,680,764

Total Shares and Deposits < 1 Year

192,559,967

Total Shares and Deposits 1 3 Years

4,120,797

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

13,469,289

Total Uninsured Shares and Deposits > $250K (F+J)

13,469,289

Total Insured Shares and Deposits > $250K (item 17 less item K)

183,211,475

Total Interest Expense (Sum of items 6 8)

3,259,407

Share Certificates

2,582

Number of Accounts for Share Drafts

10,156

IRA KEOGH Accounts

527

Number of Accounts for Regular Shares

20,609

Money Market Shares

272

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

5,292,817

Total Liabilities

197,474,603

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Elevate Federal Credit Union earned the Exceptional Health badge

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Frequently Asked Questions About Elevate Federal Credit Union

How many branches does Elevate Federal Credit Union operate?

Elevate Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Elevate Federal Credit Union?

Yes, to access services at Elevate Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Elevate Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Elevate Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Elevate Federal Credit Union offer online and mobile banking?

Most modern institutions like Elevate Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.elevatecu.com.