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Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
Elevations Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 14, 2026
Elevations Credit Union's top rates as of October 14, 2026 are 4.00% APY on its 13-Month Promotional CD - Jumbo, 2.00% APY on savings, 3.00% APY on money market accounts, 0.25% APY on checking, personal loans from 10.74% APR, and credit cards from 11.99% APR, according to rates verified by MonitorBankRates. Other Elevations Credit Union CD rates include 13-Month Promotional CD - Standard at 4.00%, 7-Month Promotional CD - Jumbo at 3.85%, and 13-Month Promotional CD - Jumbo at 3.75%. MonitorBankRates evaluates the financial stability of Elevations Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.03%. Rates last updated and verified on 10/14/2026.
Elevations 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 Elevations Credit Union? Share your experience about Elevations Credit Union by leaving a review below, or read customer reviews before you decide to use Elevations Credit Union.
Elevations Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 98/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Elevations Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
3.03%
ExcellentLower than avg
Elevations Credit Union Texas Ratio
Elevations Credit Union's Texas Ratio is 3.03%, which is considered excellent and is lower than the national average of 6.13%.
Elevations Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
0.96% to 3.03% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
Elevations Credit Union CD Rates
Product
Rate
APY
Term
View More
13-Month Promotional CD - Jumbo
3.937%
4.00%
13 months
Min Balance$100,000
DetailsJumbo (Min Balance $100,000); Available with active Summit Dividend Checking account (0.25% relationship rate boost); Auto-renews to 12mo; APY includes 0.25% relationship rate boost
Last Updated10/14/2026
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
13-Month Promotional CD - Standard
3.937%
4.00%
13 months
Min Balance$500
DetailsStandard (Min Balance $500); Available with active Summit Dividend Checking account (0.25% relationship rate boost); Auto-renews to 12mo; APY includes 0.25% relationship rate boost
Last Updated10/14/2026
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
7-Month Promotional CD - Jumbo
3.792%
3.85%
7 months
Min Balance$100,000
DetailsBalance: Jumbo (Min Balance $100,000); Available with active Summit Dividend Checking account (0.25% relationship rate boost); Auto-renews to 6mo
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 3.85% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
13-Month Promotional CD - Jumbo
3.687%
3.75%
13 months
Min Balance$100,000
DetailsJumbo (Min Balance $100,000); Standard promotional rate for Regular, IRA, HSA; Auto-renews to 12mo
Last Updated10/14/2026
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
13-Month Promotional CD - Standard
3.687%
3.75%
13 months
Min Balance$500
DetailsStandard (Min Balance $500); Standard promotional rate for Regular, IRA, HSA, Business; Auto-renews to 12mo
Last Updated10/14/2026
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
4-Month Promotional CD
3.695%
3.75%
4 months
Min Balance$500
DetailsStandard (Min Balance $500); Available with active Summit Dividend Checking account (0.25% relationship rate boost); Auto-renews to 3mo
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
7-Month Promotional CD - Standard
3.695%
3.75%
7 months
Min Balance$500
DetailsBalance: Standard (Min Balance $500); Available with active Summit Dividend Checking account (0.25% relationship rate boost); Auto-renews to 6mo
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 3.75% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
7-Month Promotional CD - Jumbo
3.542%
3.60%
7 months
Min Balance$100,000
DetailsBalance: Jumbo (Min Balance $100,000); Standard promotional rate for Regular, IRA, HSA; Auto-renews to 6mo
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 3.60% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
4-Month Promotional CD
3.445%
3.50%
4 months
Min Balance$500
DetailsStandard (Min Balance $500); Standard promotional rate for Regular & Business CDs; Auto-renews to 3mo
Last Updated10/14/2026
Rate History
1 change since Sep 14, 2026 · 3.75% → 3.50% ▼ 0.25 pts · high 3.75% / low 3.50%
Sep 27, 20263.50%▼ from 3.75%
Sep 14, 20263.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
7-Month Promotional CD - Standard
3.445%
3.50%
7 months
Min Balance$500
DetailsBalance: Standard (Min Balance $500); Standard promotional rate for Regular, IRA, HSA, Business CDs; Auto-renews to 6mo
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 3.50% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
12 Month Certificate
3.21%
3.25%
12 months
Min Balance$500
DetailsStandard (Min Balance: $500); Highest APY includes 0.25% boost with active Summit Dividend Checking
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
6 Month Certificate
3.21%
3.25%
6 months
Min Balance$500
DetailsStandard (Min Balance: $500); Highest APY includes 0.25% boost with active Summit Dividend Checking
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
No change since Sep 22, 2026 · 3.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
12 Month First Tracks Certificate
2.96%
3.00%
12 Month
Min Balance$100
DetailsStandard (Min Balance $100); APY footnote: Highest annual percentage yield (APY) includes a 0.25% APR rate boost for members with an active Summit Dividend Checking account
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
6 Month Certificate
2.96%
3.00%
6 Month
Min Deposit$500
Last Updated10/14/2026
Rate History
No change since Sep 22, 2026 · 3.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
Certificates (IRA, HSA) - 12 Month Certificate
2.96%
3.00%
12 Month
Min Balance$100
DetailsStandard (Min Balance: $100)
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 3.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
Certificates (IRA, HSA) - 6 Month Certificate
2.96%
3.00%
6 Month
Min Balance$100
DetailsStandard (Min Balance: $100)
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 3.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
18 Month Certificate
2.72%
2.75%
18 months
Min Balance$500
DetailsStandard (Min Balance: $500); Highest APY includes 0.25% boost with active Summit Dividend Checking
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
24 Month Certificate
2.72%
2.75%
24 months
Min Balance$500
DetailsStandard (Min Balance: $500); Highest APY includes 0.25% boost with active Summit Dividend Checking
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
3 Month Certificate
2.72%
2.75%
3 months
Min Balance$500
DetailsStandard (Min Balance: $500); Highest APY includes 0.25% boost with active Summit Dividend Checking
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
36 Month Certificate
2.72%
2.75%
36 months
Min Balance$500
DetailsStandard (Min Balance: $500); Highest APY includes 0.25% boost with active Summit Dividend Checking
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
48 Month Certificate
2.72%
2.75%
48 months
Min Balance$500
DetailsStandard (Min Balance: $500); Highest APY includes 0.25% boost with active Summit Dividend Checking
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
60 Month Certificate
2.72%
2.75%
60 months
Min Balance$500
DetailsStandard (Min Balance: $500); Highest APY includes 0.25% boost with active Summit Dividend Checking
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 5 times
No change since Sep 22, 2026 · 2.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
24 Month Certificate
2.47%
2.50%
24 Month
Min Deposit$500
Last Updated10/14/2026
Rate History
No change since Sep 22, 2026 · 2.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
24 Month First Tracks Certificate
2.47%
2.50%
24 Month
Min Balance$100
DetailsStandard (Min Balance $100); APY footnote: Highest annual percentage yield (APY) includes a 0.25% APR rate boost for members with an active Summit Dividend Checking account
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
3 Month Certificate
2.47%
2.50%
3 Month
Min Deposit$500
Last Updated10/14/2026
Rate History
No change since Sep 22, 2026 · 2.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
36 Month Certificate
2.47%
2.50%
36 Month
Min Deposit$500
Last Updated10/14/2026
Rate History
No change since Sep 22, 2026 · 2.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
60 Month Certificate
2.47%
2.50%
60 Month
Min Deposit$500
Last Updated10/14/2026
Rate History
No change since Sep 22, 2026 · 2.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
Certificates (IRA, HSA) - 18 Month Certificate
2.47%
2.50%
18 Month
Min Balance$100
DetailsStandard (Min Balance: $100)
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 2.50% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
Certificates (IRA, HSA) - 24 Month Certificate
2.47%
2.50%
24 Month
Min Balance$100
DetailsStandard (Min Balance: $100)
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 2.50% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
Certificates (IRA, HSA) - 3 Month Certificate
2.47%
2.50%
3 Month
Min Balance$100
DetailsStandard (Min Balance: $100)
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 2.50% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
Certificates (IRA, HSA) - 36 Month Certificate
2.47%
2.50%
36 Month
Min Balance$100
DetailsStandard (Min Balance: $100)
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 2.50% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
Certificates (IRA, HSA) - 48 Month Certificate
2.47%
2.50%
48 Month
Min Balance$100
DetailsStandard (Min Balance: $100)
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 2.50% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
Certificates (IRA, HSA) - 60 Month Certificate
2.47%
2.50%
60 Month
Min Balance$100
DetailsStandard (Min Balance: $100)
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 2.50% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
Elevations Credit Union Savings Rates
Product
Rate
APY
View More
Money Market Savings Accounts - Jumbo
1.98%
2.00%
Min Balance$100,000
DetailsBalance: $100,000 and up
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
Money Market Savings Accounts - Premier
1.49%
1.50%
Min Balance$50,000
DetailsBalance: $50,000 and up
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
Money Market Savings Accounts - Select
1.00%
1.00%
Min Balance$25,000
DetailsBalance: $25,000 and up
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 7 times
DetailsAs Low As; Effective as of September 23, 2026; Lowest rate shown for qualified borrowers with eligible Peak Perks Checking or Summit Dividend Checking account
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 9.74% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
Motorcycle Loan - Motorcycle Year 2021 - older
-
10.24%
DetailsAs Low As; Vehicle Year: Motorcycle Year 2021 - older; Lowest rate for qualified borrowers with eligible Peak Perks Checking or Summit Dividend Checking account
DetailsAs Low As; Effective as of September 23, 2026; Lowest rate shown for qualified borrowers with eligible Peak Perks Checking or Summit Dividend Checking account
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 10.74% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
Elevations Credit Union Credit Card Rates
Product
Rate
APR
View More
Elevations Visa
-
11.99%
DetailsPublished APR range: 11.99% to 21.00%. Current range of rates per Footnote 2; APR and promotions can change
Last Updated10/14/2026
Rate History
1 change since Sep 14, 2026 · 11.74% → 11.99% ▲ 0.25 pts · high 11.99% / low 11.74%
1 change since Sep 14, 2026 · 11.74% → 11.99% ▲ 0.25 pts · high 11.99% / low 11.74%
Sep 18, 202611.99%▲ from 11.74%
Sep 14, 202611.74%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
Elevations Visa Rewards
-
15.74%
DetailsPublished APR range: 15.74% to 21.00%. Current range of rates per Footnote 2; APR and promotions can change
Last Updated10/14/2026
Rate History
1 change since Sep 14, 2026 · 15.49% → 15.74% ▲ 0.25 pts · high 15.74% / low 15.49%
Sep 18, 202615.74%▲ from 15.49%
Sep 14, 202615.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
Visa Rewards
-
15.74%
DetailsIntro 0% for 12 months (purchases & balance transfers); Rewards: 1 point on all purchases
Last Updated10/14/2026
Rate History
1 change since Sep 14, 2026 · 15.49% → 15.74% ▲ 0.25 pts · high 15.74% / low 15.49%
Sep 18, 202615.74%▲ from 15.49%
Sep 14, 202615.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
Elevations Visa Signature Cash Rewards
-
18.49%
DetailsPublished APR range: 18.49% to 21.00%. Current range of rates per Footnote 2; APR and promotions can change
Last Updated10/14/2026
Rate History
1 change since Sep 14, 2026 · 18.24% → 18.49% ▲ 0.25 pts · high 18.49% / low 18.24%
Sep 18, 202618.49%▲ from 18.24%
Sep 14, 202618.24%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
Elevations Visa Signature Travel Rewards
-
18.49%
DetailsPublished APR range: 18.49% to 21.00%. Current range of rates per Footnote 2; APR and promotions can change
Last Updated10/14/2026
Rate History
1 change since Sep 14, 2026 · 18.24% → 18.49% ▲ 0.25 pts · high 18.49% / low 18.24%
Sep 18, 202618.49%▲ from 18.24%
Sep 14, 202618.24%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
Go Buffs Visa Signature Rewards
-
18.49%
DetailsIntro 0% for first 12 months (balance transfers); Rewards: 3% cash back at select CU Merchants, 2% cash back on gas, restaurants, phone or streaming services and 1% cash back on all other purchases
Last Updated10/14/2026
Rate History
1 change since Sep 14, 2026 · 18.24% → 18.49% ▲ 0.25 pts · high 18.49% / low 18.24%
Sep 18, 202618.49%▲ from 18.24%
Sep 14, 202618.24%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
Visa Signature Cash Rewards
-
18.49%
DetailsIntro 0% for first 12 months (purchases); Rewards: 1.5% cash back
Last Updated10/14/2026
Rate History
1 change since Sep 14, 2026 · 18.24% → 18.49% ▲ 0.25 pts · high 18.49% / low 18.24%
Sep 18, 202618.49%▲ from 18.24%
Sep 14, 202618.24%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
Visa Signature Travel Rewards
-
18.49%
DetailsIntro 0% for first 12 months (purchases); Rewards: 3% points on travel purchases and 1.5 points on all other purchases
Last Updated10/14/2026
Rate History
1 change since Sep 14, 2026 · 18.24% → 18.49% ▲ 0.25 pts · high 18.49% / low 18.24%
Sep 18, 202618.49%▲ from 18.24%
Sep 14, 202618.24%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
Elevations Credit Union Personal Loan Rates
Product
APR
Term
View More
Personal Loan
10.74%
DetailsAs Low As; Lowest rate shown for qualified borrowers on Auto, Motorcycle, HELOC, RV loans, and personal loans with eligible Peak Perks Checking or Summit Dividend Checking account.
Last Updated10/14/2026
Rate History
No change since Sep 14, 2026 · 10.74% APR · checked 7 times
DetailsAs Low As; Effective as of September 23, 2026; Lowest rate shown for qualified borrowers with eligible Peak Perks Checking or Summit Dividend Checking account
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 10.74% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
Elevations Visa Signature Cash Rewards
18.49%
DetailsPublished APR range: 18.49% to 21.00%. Current range of rates per Footnote 2; APR and promotions can change
Last Updated10/14/2026
Rate History
1 change since Sep 14, 2026 · 18.24% → 18.49% ▲ 0.25 pts · high 18.49% / low 18.24%
Sep 18, 202618.49%▲ from 18.24%
Sep 14, 202618.24%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
Elevations Visa Signature Travel Rewards
18.49%
DetailsPublished APR range: 18.49% to 21.00%. Current range of rates per Footnote 2; APR and promotions can change
Last Updated10/14/2026
Rate History
1 change since Sep 14, 2026 · 18.24% → 18.49% ▲ 0.25 pts · high 18.49% / low 18.24%
Sep 18, 202618.49%▲ from 18.24%
Sep 14, 202618.24%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
Go Buffs Visa Signature Rewards
18.49%
DetailsIntro 0% for first 12 months (balance transfers); Rewards: 3% cash back at select CU Merchants, 2% cash back on gas, restaurants, phone or streaming services and 1% cash back on all other purchases
Last Updated10/14/2026
Rate History
1 change since Sep 14, 2026 · 18.24% → 18.49% ▲ 0.25 pts · high 18.49% / low 18.24%
Sep 18, 202618.49%▲ from 18.24%
Sep 14, 202618.24%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
Visa Signature Cash Rewards
18.49%
DetailsIntro 0% for first 12 months (purchases); Rewards: 1.5% cash back
Last Updated10/14/2026
Rate History
1 change since Sep 14, 2026 · 18.24% → 18.49% ▲ 0.25 pts · high 18.49% / low 18.24%
Sep 18, 202618.49%▲ from 18.24%
Sep 14, 202618.24%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
Visa Signature Travel Rewards
18.49%
DetailsIntro 0% for first 12 months (purchases); Rewards: 3% points on travel purchases and 1.5 points on all other purchases
Last Updated10/14/2026
Rate History
1 change since Sep 14, 2026 · 18.24% → 18.49% ▲ 0.25 pts · high 18.49% / low 18.24%
Sep 18, 202618.49%▲ from 18.24%
Sep 14, 202618.24%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
Elevations Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Energy Loan
-
-
6.99%
36 Month
DetailsAs Low As; APR up to 9.615%
Last Updated10/14/2026
Rate History
2 changes since Sep 18, 2026 · 6.99% → 6.99% ▼ 0.00 pts · high 9.62% / low 6.99%
Oct 10, 20266.99%▼ from 9.62%
Sep 22, 20269.62%▲ from 6.99%
Sep 18, 20266.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
Energy Loan
-
-
6.99%
60 Month
DetailsAs Low As; APR up to 9.615%
Last Updated10/14/2026
Rate History
2 changes since Sep 18, 2026 · 6.99% → 6.99% ▼ 0.00 pts · high 9.62% / low 6.99%
Oct 10, 20266.99%▼ from 9.62%
Sep 22, 20269.62%▲ from 6.99%
Sep 18, 20266.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
Energy Loan
-
-
7.49%
84 Month
DetailsAs Low As; APR up to 10.115%
Last Updated10/14/2026
Rate History
2 changes since Sep 14, 2026 · 7.49% → 7.49% ▼ 0.00 pts · high 10.12% / low 7.49%
Oct 10, 20267.49%▼ from 10.12%
Sep 22, 202610.12%▲ from 7.49%
Sep 14, 20267.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
Energy Loan
-
-
7.74%
120 Month
DetailsAs Low As; APR up to 10.365%
Last Updated10/14/2026
Rate History
2 changes since Sep 14, 2026 · 7.74% → 7.74% ▼ 0.00 pts · high 10.37% / low 7.74%
Oct 10, 20267.74%▼ from 10.37%
Sep 22, 202610.37%▲ from 7.74%
Sep 14, 20267.74%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
Energy Loan
-
-
8.24%
180 Month
DetailsAs Low As; APR up to 10.865%
Last Updated10/14/2026
Rate History
2 changes since Sep 14, 2026 · 8.24% → 8.24% ▼ 0.00 pts · high 10.87% / low 8.24%
Oct 10, 20268.24%▼ from 10.87%
Sep 22, 202610.87%▲ from 8.24%
Sep 14, 20268.24%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
Energy Loan
-
-
8.74%
240 Month
DetailsTerm: 240 Month - Solar PV only; As Low As; APR up to 11.365%; Solar PV only
Last Updated10/14/2026
Rate History
No change since Oct 10, 2026 · 8.74% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
Dividend Business Escrow
0.15%
-
0.15%
Min Deposit$0
Min Balance$0
DetailsBalance: $0 - $99,999.99
Last Updated10/14/2026
Rate History
No change since Sep 22, 2026 · 0.15% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
Dividend Business Escrow
0.25%
-
0.25%
Min Deposit$0
Min Balance$0
DetailsBalance: $100,000 and up
Last Updated10/14/2026
Rate History
1 change since Sep 22, 2026 · 0.15% → 0.25% ▲ 0.10 pts · high 0.25% / low 0.15%
Oct 14, 20260.25%▲ from 0.15%
Sep 22, 20260.15%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.03%
Financial Health History
Elevations Credit Union’s Texas Ratio rose from 0.96% in Q3 2023 to 3.03% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$3.5B
3.03%
5.0
A+
March 31, 2026
$3.5B
2.66%
5.0
A+
December 31, 2025
$3.5B
1.00%
5.0
A+
September 30, 2025
$3.4B
1.17%
5.0
A+
June 30, 2025
$3.4B
1.22%
5.0
A+
March 31, 2025
$3.4B
1.59%
5.0
A+
December 31, 2024
$3.4B
2.37%
5.0
A+
September 30, 2024
$3.3B
1.47%
5.0
A+
June 30, 2024
$3.4B
0.86%
5.0
A+
March 31, 2024
$3.4B
0.99%
5.0
A+
December 31, 2023
$3.4B
1.00%
5.0
A+
September 30, 2023
$3.4B
0.96%
5.0
A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating
Our rating for Elevations 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 Elevations 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 Elevations Credit Union's official website for the most current offers and terms.
Address
2960 Diagonal Highway,
Boulder, CO 80301-1412
Phone303-443-4672
Fax303-443-0387
PresidentGarry Woods
CEOMichael Calcote
Full-Time Employees504
Part-Time Employees27
Branch Locations14
ATM Locations16
NCUA Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.03%
Return on Assets (ROA)
0.4982%
Return on Equity (ROE)
4.2490%
Non-Performing Loans Ratio (NPL)
0.49%
Total Assets
3,524,095,583
Total Amount of Shares and Deposits
2,708,373,730
Total Shares and Deposits < 1 Year
2,694,588,907
Total Shares and Deposits 1 3 Years
12,011,873
Total Shares and Deposits > 3 Years
1,772,950
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
249,015,400
Total Uninsured Shares and Deposits > $250K (F+J)
249,015,400
Total Insured Shares and Deposits > $250K (item 17 less item K)
2,459,358,330
Total Interest Expense (Sum of items 6 8)
21,039,358
Share Certificates
13,963
Number of Accounts for Share Drafts
128,035
IRA KEOGH Accounts
3,263
Number of Accounts for Regular Shares
199,353
All other shares
7,034
Money Market Shares
14,736
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)
65,540,722
Total Liabilities
3,114,297,852
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
Elevations Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Elevations Credit Union
How many branches does Elevations Credit Union operate?
Elevations 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 Elevations Credit Union?
Yes, to access services at Elevations 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, Elevations 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, Elevations Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Elevations Credit Union offer online and mobile banking?
Most modern institutions like Elevations 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.elevationscu.com.
Current Elevations Credit Union Rates
12-Month CD3.00%
18-Month CD2.50%
24-Month CD2.50%
60-Month CD2.50%
Savings2.00%
MMA3.00%
Retrieved from our database of financial products. Rates subject to change.