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Overview / Commentary
2300 55th St
Boulder, CO 80301-2807

Elevations Credit Union is headquartered in Boulder and is the 4th largest credit union in the state of Colorado. It is also the 125th largest credit union in the nation. It was established in 1952 and as of December of 2017, it had grown to 477 employees and 129,703 members at 14 locations. Elevations Credit Union has an A health rating.

Field of Membership Restrictions

Membership in Elevations Credit Union is open to anyone in the state of Colorado through making a $15 donation to the Elevations Foundation. Membership is also open to the following: (1) those who live or work in Adams, Boulder, Broomfield, Denver, Jefferson, Larimer and Weld Counties in Colorado; (2) faculty, staff and students of CU-Boulder and Naropa University; (3) employees of City of Boulder, Boulder County and over 200 area Company Members.
See current membership details

Related Posts

Significant CC Funding Opportunity? - 11/15/2017

It appears possible Elevations CU, which can be joined regardless where you live, might offer a remarkable CC funding opportunity. Elevations is in Colorado. I telephoned them earlier today to make inquiry. The rep who took my call denied existence of the opportunity I was seeking. However, online posters elsewhere say different! AFAIK profit potential at Elevations has never been discussed here on Ken's website. Would anyone out there be willing to share their experience with Elevations, whether positive or negative? I realize that is a "big ask", and I understand a desire to keep some shade on an amazing situation. Still, perhaps someone would see their way clear to stepping forward and reporting their results. Since GTE I have been seeking out MS (manufactured spending) opportunities at other financial institutions. Research shows opening of CD accounts using a CC is not an approach favored by the MS experts and pros. While they do not decry the technique in absolute terms, it tie

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Reviews (4)

Long-time member

I have been a member at Elevations since i was five years old. I have always enjoyed banking here. There are no fees, it was easy to get set up, and they always give me a lolly pop at the drive through window. My only issue with Elevations Credit Union is that they have had trouble when I travel. One time they inputted the wrong country, and then kept shutting off my cards even though I continually called them to tell them it was me and not fraud. Everything except that is great, i would recommend.

A credit union for me

Posted by: Plotalbrid | Nov 9, 2017

Elevations Credit Union was a positive change compared to what I had prior to moving to Colorado. It is the first credit union/bank that has not had unacceptable practices. For example, in the past I was charged to deposit coins. This kind of practice is unheard of at Elevations. I am pleased with the fact that I am given free checks. They also have pretty funny commercials - not that this is important to consider if a financial institution is qualified to handle my money. Their website and mobile app are both very nice. They also hold public events for their members (for example, a community barbecue). Every branch I have been to has friendly and helpful employees who are willing to have a real conversation, not just a terse business relationship. I would highly recommend this credit union to anyone who lives in the area.

Elevations Credit Experience

I went into elevations credit union because there were no local branches of my current bank within a reasonable distance. The local branch was a big building which was very attractive, and the staff was very accommodating. They asked me if I was a student and I told them yes. They set me up with a student account which was even a lot better that the current account I had with one of the big banks. I have not had a problem with weird fees or any other complaints with elevations like I used to have with my previous bank. I like the fact that they are a credit union and the fact that if I maintain a good banking relationship with them, I will have access to good rates on future money borrowed. When I go back east I find it hard to find an ATM where I am not charged fees. That is a bit annoying. Based on their relatively small reach, I don't know if I would bank with them exclusively.

Dumping Them After 25 Years

Posted by: Anonymous | Mar 12, 2012

25 year credit union customer but I have recently dumped them entirely: Banking, Credit Cards, Loans, and Safe Deposit.

Recently (Nov 2011), they sold all customer personal financial data to Inuit without customer consent for their new online banking portal. Not only is the online banking even worse than before but Intuit owns your financial data and you get to look at ads for Intuit services in your online banking!

Final straw was a botched bill payment. When I called to ask about it they said bill pay is now handled by a third party but I couldn't talk to that third party and there was nothing they could do to resolve the situation.

When I pulled my money out the VP of online services called me to talk about it. I asked why the online banking was so much worse. Bottom line... they only test for and support for IE and one ancient version of FireFox. That was all I needed to hear. Run away as fast as you can.


Health Grade Components

NCUA #68565
Year Chartered1952
Primary Regulator
Profit Margin
Return on Assets - YTD1.26%
Return on Equity - YTD11.85%
Annual Interest Income$64.3MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$1.96B$1.80B
LoansQ4 2017vs Q4 2016$1.40B$1.29B
DepositsQ4 2017vs Q4 2016$1.72B$1.58B
Equity CapitalQ4 2017vs Q4 2016$205.2MM$181.6MM
Loan Loss AllowanceQ4 2017vs Q4 2016$4.7MM$4.5MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$4.3MM$3.2MM
Real Estate OwnedQ4 2017vs Q4 2016$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Elevations Credit Union Savings Account Rates

0.25%--HSA Checking
0.15%$100-IRA Savings
0.05%$25-Savings Account
0.05%--Rags to Riches Club Savings Account
0.05%$25-Business Savings Account

Elevations Credit Union Money Market Rates

0.35%*$100k*-Jumbo Money Market Accounts
OTHER TIERS: 0.05% Up to $100k
0.30%*$50k*-Premier Money Market Accounts
OTHER TIERS: 0.05% Up to $50k
0.30%*$100k*-Business Money Market Account
OTHER TIERS: 0.10% $2k - $25k | 0.20% $25k - $50k | 0.25% $50k - $100k
0.25%*$75k*-FlexTier Money Market Accounts
OTHER TIERS: 0.05% $2k - $10k | 0.10% $10k - $25k | 0.15% $25k - $50k | 0.20% $50k - $75k
0.25%*$25k*-Select Money Market Accounts
OTHER TIERS: 0.05% Up to $25k

Elevations Credit Union Checking Account Rates

0.25%*$100k*-Premium Business Checking Account
OTHER TIERS: 0.15% Up to $100k
0.10%*$10k*-eStyle Checking Accounts
OTHER TIERS: 0.05% $1k - $10k
0.10%*$10k*-Dividend Checking Accounts
OTHER TIERS: 0.05% $1k - $10k

Elevations Credit Union CD Rates

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

Elevations Credit Union IRA Rates

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