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

Current rates for Elevate Federal Credit Union include: 12-Month CD: 3.95%, 24-Month CD: 4.15%, 36-Month CD: 4.00%, Savings: 0.10%, MMA: 0.75%, Personal Loan: 11.50%

Elevate Federal Credit Union Rates and Review February 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.

Content reviewed by

Brian McKay

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Elevate Federal Credit Union Deposit Rates

Elevate Federal Credit Union's 24 month CD 24-Month rates are at 4.15%, 30 month CD 30-Month rates are at 4.00%, 36 month CD 36-Month rates are at 4.00%, 12 month CD 12-Month rates are at 3.95%, 6 month CD 6-Month rates are at 3.95%. Elevate Federal Credit Union's savings rates are at 0.10%. Elevate Federal Credit Union's money market rates are at 0.75%. Elevate Federal Credit Union's Personal Loan Rates are at 11.50%.

Elevate Federal Credit Union

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 by leaving a review below, or read customer reviews before you decide to use .

Elevate Federal Credit Union Texas Ratio

Elevate Federal Credit Union's Texas Ratio is at 0.37%, which is considered excellent. The Texas Ratio for Elevate Federal Credit Union is lower than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that Elevate Federal Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.

MonitorBankRates Rating

5.0

Excellent

Out of 5.0 Stars

Elevate Federal Credit Union has earned a Smart Rating of 5.0 out of 5 stars. 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.

Overall, Elevate Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars.

Current Interest Rates

Product

APY/APR

vs.Avg

12-Month CD

3.95%

2.38%

18-Month CD

N/A

2.14%

24-Month CD

4.15%

2.17%

36-Month CD

4.00%

2.11%

48-Month CD

N/A

2.10%

60-Month CD

N/A

2.23%

Savings

0.10%

0.60%

MMA

0.75%

30-Year Fixed

N/A

6.09%

Credit Card

N/A

14.10%

Personal Loan

11.50%

11.27%

"N/A" indicates the product is not offered or the rate is unavailable.

Elevate Federal Credit Union
Elevate Credit Union

1023 Medical Dr
Brigham City, UT 84302 3049

https://www.elevatecu.com

MonitorBankRates

Official Financial Rating

5.0

★★★★★

EXCELLENT

🏆

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Elevate Federal Credit Union Savings Rates

Product	Rate	APY
Dollar Dog Kids Club	-	0.10%
Min Deposit$25 Last Updated 02/10/2026
Traditional Savings	-	0.10%
Min Deposit$25 Last Updated 02/10/2026

Elevate Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Tier 8	-	3.00%
Min Deposit$250,000 DetailsBalance: $250,000 & Above Last Updated 02/10/2026
Money Market Tier 7	-	2.50%
Min Deposit$100,000 DetailsBalance: $100,000 - $249,999.99 Last Updated 02/10/2026
Money Market Tier 6	-	1.90%
Min Deposit$50,000 DetailsBalance: $50,000 - $99,999.99 Last Updated 02/10/2026
Money Market Tier 5	-	1.50%
Min Deposit$25,000 DetailsBalance: $25,000 - $49,999.99 Last Updated 02/10/2026
Money Market Tier 4	-	1.10%
Min Deposit$10,000 DetailsBalance: $10,000 - $24,999.99 Last Updated 02/10/2026
Money Market Tier 3	-	1.00%
Min Deposit$5,000 DetailsBalance: $5,000 - $9,999.99 Last Updated 02/10/2026
Money Market Tier 2	-	0.75%
Min Deposit$2,500 DetailsBalance: $2,500 - $4,999.99 Last Updated 02/10/2026

Elevate Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Line of Credit (HELOC)	-	-	6.75%
DetailsLTV Up to 50%, Introductory rate of 4.50% 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 02/10/2026
Home Equity Line of Credit (HELOC)	-	-	7.00%
DetailsLTV Up to 51%-80%, Introductory rate of 4.50% 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 02/10/2026
Home Equity Line of Credit (HELOC)	-	-	10.00%
DetailsLTV Up to 81%-100%, 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 02/10/2026

Elevate Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	4.49%	36 Months
DetailsAge of Vehicle: 2016-2026, Benefits: LOWEST RATE. No payment for 60 days Last Updated 02/10/2026
Auto Loan	-	-	4.74%	48 Months
DetailsAge of Vehicle: 2016-2026, Benefits: No payment for 60 days Last Updated 02/10/2026
Auto Loan	-	-	4.99%	66 Months
DetailsAge of Vehicle: 2016-2026, Benefits: No payment for 60 days Last Updated 02/10/2026
Auto Loan	-	-	5.24%	72 Months
DetailsAge of Vehicle: 2016-2026, Benefits: $12,000 or more. No payment for 60 days Last Updated 02/10/2026
Auto Loan	-	-	6.24%	84 Months
DetailsAge of Vehicle: 2016-2026, Benefits: $25,000 or more. No payment for 60 days Last Updated 02/10/2026
Auto Loan	-	-	6.99%	60 Months
DetailsAge of Vehicle: 2011-2015, Benefits: No payment for 60 days Last Updated 02/10/2026
Auto Loan	-	-	8.99%	48 Months
DetailsAge of Vehicle: 2010 & Older, Benefits: No payment for 60 days Last Updated 02/10/2026

Elevate Federal Credit Union Credit Card Rates

Product	Rate	Points	APR	Term	View More
Visa Credit Card	-	-	11.25%
DetailsANNUAL SERVICE CHARGE: No Charge, GRACE PERIOD: 28 days, SPECIAL INTRO RATE: 5.99% Last Updated 02/10/2026

Elevate Federal Credit Union Personal Loan Rates

Product	Rate	Points	APR	Term	View More
Personal Loan	-	-	11.50%
No additional details. Last Updated 02/10/2026

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

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

Full Time Employees: 40
Part Time Employees: 6
President: Blake Broadheaad
CEO: Scott Webre
Branch Locations: 3
ATM Locations: 3

Corporate Office Address:

1023 Medical Dr
Brigham City, UT 84302 3049
Phone Number: 435-723-3437
Fax Number: 435-723-8424

Financials

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

Total Cash on Deposit (Amounts Deposited in Financial Institutions):

5,292,817

Total Liabilities:

197,474,603

Source: NCUA Last Updated 09/30/2025

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Frequently Asked Questions About Elevate Federal Credit Union

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.

Is there a first-time homebuyer program?

Currently, Elevate Federal Credit Union provides a range of mortgage and home equity products.

Is Elevate Federal Credit Union a safe place to deposit money?

Yes, Elevate Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor.