Our Rates
Below you can see all of our rates. To filter on specific rate types, use the tabs above.
Auto and Harley Davidson Motorcycle Loan Rates
| Vehicle Year | APR Starting At* |
|---|---|
| Model Year 2020-2024 | 6.74%† |
| Model Year 2019-older | 7.24%† |
*APR = Annual Percentage RatePayment example: term of 63 months, 9.49% APR, min credit score 680; estimated monthly payment of $20.22 per $1,000.00. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors. Effective 6/7/2023. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.
Recreational Vehicle Loan Rates
| Vehicle Type | APR Starting At* |
|---|---|
| Titled Loans: Motorcycle, Motorhome, Travel Trailer | 10.49%‡ |
| Untitled Loans: Motorcycle, ATV, Personal Watercraft, Boat, Snowmobile | 11.49%‡ |
*APR = Annual Percentage RatePayment example: term of 63 months, 14.49% APR, min credit score 680; estimated monthly payment of $23.29 per $1,000.00. The APR is the Credit Union’s standard rate. The rate may vary depending on each individual’s credit history and underwriting factors. Effective 6/7/2023. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.
Energy Loan Rates
| Terms | APR starting at* | APR up to * |
|---|---|---|
| 36 Month | 6.990% | 9.615% |
| 60 Month | 6.990% | 9.615% |
| 84 Month | 7.490% | 10.115% |
| 120 Month | 7.740% | 10.365% |
| 180 Month | 8.240% | 10.865% |
| 240 Month - Solar PV only | 8.740% | 11.365% |
*APR = Annual Percentage Rate. APR listed is the lowest possible Annual Percentage Rate for qualified borrowers. Rate may change dependent upon credit qualifications. All rates are subject to change daily. Borrower must have approved credit and limitations may apply.
Payment example: $15,000 loan for 120 months, 8.115% APR, min credit score of 680, payment of $182.90 a month. The rate may vary depending on each individual's credit history and underwriting factors. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.
Personal and Secure Loan Rates
| Energy Loan | APR starting at* |
|---|---|
| Personal Loan | 10.99% |
| Secured Loan | 3.05% † |
*APR = Annual Percentage Rate
Payment example; term of 60 months, 17.99% APR, min credit score 680; estimated monthly payment of $24.64 per $1000.00 borrowed. The APR is the Credit Union’s standard rate. Rate shown as low as for qualified borrowers. Rate may change dependent on credit qualifications. Borrower must have approved credit and limitations may apply. Please speak with an Elevations representative for more information.The rate may vary depending on each individual's credit history and underwriting factors.All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.
†3.0% over deposit account rate
Home Equity Loan Rates
| Loan Type | APR starting at* | APR up to* |
|---|---|---|
| Home Equity Line of Credit (HELOC) - variable APR ‡ | 7.99% | 15.70% |
| Home Equity Loan - fixed APR † | 7.99% | 15.86% |
All offers of credit are subject to credit, approval, properties located in CO and membership eligibility. All credit union rates, terms, and programs are subject to change at any time. * APR = Annual Percentage Rate†Fixed Rate - Rate is dependent upon Loan to Value (LTV) ratio, term and credit history.‡Variable Rate – Based on Prime Rate plus a margin that is based on your Loan to Value (LTV) Ratio and credit history.As of 10/2/24, the variable APR for home equity lines of credit, based on creditworthiness and loan-to-value, ranges from 8.24 to 7.99% - 18.00%. This interest rate is subject to change but will not exceed 18.00% APR. Consult your tax advisor regarding the deductibility of interest. Property insurance is required. Offer is available for HELOCs secured by a primary residence. Some additional restrictions may apply. The third-party fees for a home equity loan range from $105 to $2,000. The Credit Union will pay up to a $250 credit toward all third-party fees related to originating a new HELOC. (If the loan is not open for at least 2 years the fees are the responsibility of the borrower at the closing of the line of credit.) After the first 12 months, $75 annual fee applies to open lines of credit.Rate shown as low as for qualified borrowers. Rate may change dependent on credit qualifications. Borrower must have approved credit and limitations may apply. Please speak with an Elevations representative for more information.The rate may vary depending on each individual's credit history and underwriting factors.All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.
Credit Card Rates
| Card | Intro APR starting at* | Regular APR starting at* | For every $1 spent, you get: |
|---|---|---|---|
| Go Buffs® Visa Signature Rewards | 0% for first 12 months (balance transfers) | 19.24% | 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. |
| Visa Signature Cash Rewards | 0% for first 12 months (purchases) | 19.24% | 1.5% cash back |
| Visa Signature Travel Rewards | 0% for first 12 months (purchases) | 19.24% | 3% points on travel purchases and 1.5 points on all other purchases |
| Visa Rewards | 0% for 12 months (purchases & balance transfers) | 16.49% | 1 point on all purchases |
| Visa | 0% for 12 months (purchases & balance transfers) | 12.74% | None |
* APR = Annual Percentage Rate Rate shown as low as for qualified borrowers. Rate may change dependent on credit qualifications. Please speak with an Elevations representative for more information. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. Offers of credit are subject to membership requirements and credit approval.