Credit union · NCUA insured
Elevate Credit Union CD Rates
Top CarrotElevate Credit Union’s best CD rate is 4.35% APY on a 3-year share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 22, 2026.
How Elevate Credit Union’s CD rates compare
Compared with banks and credit unions near Brigham City, UT-ID, where Elevate Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Elevate Credit Union
4.35%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,363
Traditional Certificate
Top rate
America First Credit Union
4.60%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,522
2nd-highest rate
Goldenwest Credit Union
4.45%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $910
Elevate Credit Union CD score
94
CD score
Higher than 96% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.05%
- 16–30 months16–30 mo4.30%
- 31–60 months31–60 mo4.35%
- QualifiedQualified4.35%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Elevate Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Traditional Certificate
Up to 4.35%APY · 6 terms
$500 minimum opening deposit. Terms from 6 to 36 months. 18-month term features rate bump. Early withdrawal subject to dividend penalties.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.00% | $198 |
| 12 months | 4.05% | $405 |
| 18 monthsWith rate bump feature | 4.10% | $621 |
| 24 months | 4.25% | $868 |
| 30 months | 4.30% | $1,110 |
| 36 months | 4.35% | $1,363 |
Sources (1)
- elevatecu.com/accounts/certificates · captured Oct 4, 2026
Starter Certificate
4.05%APY
Open with as little as $50 and a $25 monthly deposit; when balance reaches $500, funds are transferred to a 12-month certificate. Additional deposits permitted anytime.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMatures/rolls over when balance reaches $500; requires minimum $25 monthly deposit. Additional deposits permitted anytime.Any balance | 4.05% | $405 | Matures/rolls over when balance reaches $500; requires minimum $25 monthly deposit. Additional deposits permitted anytime. |
Sources (1)
- elevatecu.com/accounts/certificates · captured Oct 4, 2026
Fluid Certificate
3.95%APY · 1 term
$10,000 minimum balance. Add funds anytime, and one penalty-free withdrawal permitted per month as long as minimum balance of $10,000 is maintained.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsOne withdrawal per month permitted without penalty as long as the minimum balance of $10,000 is maintained; additional deposits permitted at any time | 3.95% | $229 |
Sources (1)
- elevatecu.com/accounts/certificates · captured Oct 4, 2026
Growth Certificate
3.95%APY · 1 term
$500 minimum to start and a $25 monthly auto-transfer is required. Add money anytime. Early withdrawal results in termination of certificate and assessment of early withdrawal penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsMust have auto-transfer set up with at least $25 per month going into the certificate; additional deposits permitted anytime; early withdrawal terminates certificate with penalty | 3.95% | $295 |
Sources (1)
- elevatecu.com/accounts/certificates · captured Oct 4, 2026
Who can join Elevate Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, attend school, worship, or regularly conduct business in Box Elder County, Cache County, or Rich County in Northern Utah are eligible for membership.
Family and household
- Family members of an existing Elevate Credit Union member (including parent, child, spouse/surviving spouse, sibling, grandparent, grandchild, stepparent, stepchild, step-sibling, guardian, foster or adoptive relationship, or partner) are eligible for membership.
Cost to join
- A minimum deposit of $25 is required to secure a share in the credit union upon opening an account.
Membership information collected October 4, 2026.