Elevations Credit Union

2300 55th Street
Boulder, CO 80301
303-443-4672
www.elevationscu.com

NCUA

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Elevations Credit Union is headquartered in Boulder and is the 3^rd largest credit union in the state of Colorado. It is also the 136^th largest credit union in the nation. It was established in 1952 and as of December of 2012, it had grown to 275 employees and 99,070 members. Elevations Credit Union's savings rates are 3X the national average, and it boasts a 5-star health rating.

$100 Checking Account Bonus at Elevations Credit Union in Colorado - Local Only - 8/9/2009

Elevations Credit Union is offering a $100 checking account bonus. There is no direct deposit requirement or debit card usage requirement. The promotion doesn't seem to be listed at the credit union's website. It was recently advertised in some Colorado...

4.85% 13-Month CD at a Colorado CU (Elevations). - 2/3/2008

Update 2/09/08: The 13-month promotional CD has ended. The yield on the 5-month promotional CD has gone down. Please check the credit union's website for the latest rates.Elevations Credit Union is offering two certificate specials with a 4.85% APY. The...

9.00% 9-Month CD at a Colorado Credit Union Continues - $2K Max (Elevations) - 12/16/2007

Elevations Credit Union continues to offer a 9% APY 9-month certificate. The minimum deposit is $1,000 and the maximum is $2,000 per member. A checking account is required. A free checking account is allowed for new members. Current members must open a...

9.00% 9-Month CD at a Colorado CU - $2K Max (Elevations) - Update - 3/6/2007

Elevations Credit Union continues to offer a 9% APY 9-month certifcate. The minimum deposit is $1,000 and the maximum is $2,000 per member. A checking account is required. A free checking account is allowed for new members. Current members must open a...

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See Rates for: Checking | Savings | Money Market | CD | IRA

Elevations Credit Union Checking Account Rates

Apy	Min	Max	Product
0.10%	$10k	-	eStyle Checking
0.10%	$10k	-	Dividend Checking

Elevations Credit Union Savings Account Rates

Apy	Min	Max	Product
1.40%	$100	-	60 Month HSA
1.40%	$100k	-	Jumbo 60 Month HSA
1.10%	$100	-	48 Month HSA
0.90%	$100	-	36 Month HSA
0.60%	$100	-	24 Month HSA
0.60%	$100k	-	Jumbo 24 Month HSA
0.50%	$100	-	18 Month HSA
0.40%	$100	-	12 Month HSA
0.40%	$100k	-	Jumbo 12 Month HSA
0.25%	-	-	HSA Checking
0.25%	$100	-	6 Month HSA
0.25%	$100k	-	Jumbo 6 Month HSA
0.15%	$100	-	3 Month HSA
0.15%	$100	-	IRA Savings
0.15%	$100	-	ESA Savings
0.05%	$25	-	Savings Account

Elevations Credit Union Money Market Rates

Apy	Min	Max	Product
0.35%	$100k	-	Jumbo Money Market
0.30%	$50k	-	Premier Money Market
0.25%	$75k	-	FlexTier Money Market
0.25%	$25k	-	Select Money Market

Elevations Credit Union CD Rates

Apy	Min	Max	Product
1.40%	$500	-	60 Month CD
1.40%	$100k	-	Jumbo 60 Month CD
1.10%	$500	-	48 Month CD
0.90%	$500	-	36 Month CD
0.60%	$500	-	24 Month CD
0.60%	$100k	-	Jumbo 24 Month CD
0.60%	$100	-	Rags 24 Month CD
0.50%	$500	-	18 Month CD
0.40%	$500	-	12 Month CD
0.40%	$100k	-	Jumbo 12 Month CD
0.40%	$100	-	Rags 12 Month CD
0.25%	$500	-	6 Month CD
0.25%	$100k	-	Jumbo 6 Month CD
0.15%	$500	-	3 Month CD

Elevations Credit Union IRA Rates

Apy	Min	Max	Product
1.40%	$100	-	60 Month IRA
1.40%	$100k	-	Jumbo 60 Month IRA
1.40%	$100	-	60 Month ESA
1.40%	$100k	-	Jumbo 60 Month ESA
1.10%	$100	-	48 Month IRA
1.10%	$100	-	48 Month ESA
0.90%	$100	-	36 Month IRA
0.90%	$100	-	36 Month ESA
0.60%	$100	-	24 Month IRA
0.60%	$100k	-	Jumbo 24 Month IRA
0.60%	$100	-	24 Month ESA
0.60%	$100k	-	Jumbo 24 Month ESA
0.50%	$100	-	18 Month IRA
0.50%	$100	-	18 Month ESA
0.40%	$100	-	12 Month IRA
0.40%	$100k	-	Jumbo 12 Month IRA
0.40%	$100	-	12 Month ESA
0.40%	$100k	-	Jumbo 12 Month ESA
0.25%	$100	-	6 Month IRA
0.25%	$100k	-	Jumbo 6 Month IRA
0.25%	$100	-	6 Month ESA
0.25%	$100k	-	Jumbo 6 Month ESA
0.15%	$100	-	3 Month IRA
0.15%	$100	-	3 Month ESA

Rates updated: 5/24/2013

Data for Q4 2012

Institution Statistics

ELEVATIONS
NCUA #	68565
BankRate Report	View
Year Chartered	1952
Employees	275
Primary Regulator
Assets and Liabilities
Assets	$1.29 billion
Loans	$626.04 million
Deposits	$1.14 billion
Equity Capital	$118.25 million
Loan Loss Allowance	$4.85 million
Unbacked Noncurrent Loans	$4.18 million
Real Estate Owned	$114,000
Historic Data - December 2011
Assets	$1.15 billion
Equity Capital	$105.13 million
Loan Loss Allowance	$4.43 million
Unbacked Noncurrent Loans	$4.55 million
Real Estate Owned	$768,000
Profit Margin - Quarterly
Net Interest Margin	5.35%
Return on Assets	0.82%
Return on Equity	8.94%
Interest Income	$39.77 million
Non-Interest Income	$28.37 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 Elevations Credit Union had $4.3 million in non-current loans and owned real-estate with $123.1 million in equity and loan loss allowances on hand to cover it. This gives Elevations Credit Union a Texas Ratio of 3.49% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Elevations Credit Union decreased slightly from 4.85% as of December 31, 2011 to 3.49% as of December 31, 2012, resulting in a positive change of 28.09%.This indicates that the balance sheet and financial strength for Elevations Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, Elevations Credit Union has increased its total deposits by $124.52 million, resulting in 12.32% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Elevations Credit Union has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Elevations Credit Union has $1.29 billion in assets with $123.1 million in equity, resulting in a capitalization level of 9.58%, which is average.