Credit union · NCUA insured
Elevate Credit Union Savings Rates
Top CarrotElevate Credit Union’s best savings rate is 1.20% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How Elevate Credit Union’s savings 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
1.20%APY
- Minimum
- —
- Earns on $10,000 a year
- $120
Money Market
Top rate
America First Credit Union
3.95%APY
- Minimum
- $0
- Earns on $10,000 a year
- $395
2nd-highest rate
Goldenwest Credit Union
1.25%APY
- Minimum
- $0
- Earns on $10,000 a year
- $125
Elevate Credit Union savings score
86
Savings score
Higher than 75% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0001.20%
- $100,000 balance$100,0002.60%
- QualifiedQualified1.20%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Save the Change
4.05%APY
Upon enrollment debit card purchases are rounded up to the nearest dollar and transferred to the Save the Change account. If insufficient funds or overdrawn in checking, daily purchases will not round up. When balance reaches $250, funds transfer to a Regular Savings account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRate as of September 17, 2026 schedule. | 4.05% | $405 | Rate as of September 17, 2026 schedule. |
| Up to $250$0 min / $250 max balance; dividends compounded and credited monthly. | 3.90% | — | $0 min / $250 max balance; dividends compounded and credited monthly. |
Sources (3)
- elevatecu.com/accounts/savings
- elevatecu.com/hubfs/Disclosure…es-ElevateCU-2-19-26.pdf
- elevatecu.com/rates
All captured Oct 15, 2026
Money Market
1.20%APY
Dividends may be forfeited if the account is closed before accrued dividends have been credited. No withdrawal limits or monthly maintenance service charges.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $5,000 | 0.90% | — |
| $5,000 – $10,000 | 1.10% | — |
| $10,000 – $25,000 | 1.20% | $120 |
| $25,000 – $50,000 | 1.60% | — |
| $50,000 – $100,000 | 2.00% | — |
| $100,000 – $250,000 | 2.60% | — |
| $250,000 and up | 3.25% | — |
Sources (1)
- elevatecu.com/accounts/savings · captured Oct 4, 2026
Escrow Savings Accounts
0.10%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum balance to earn APY is $25.00. Dividends compounded and credited monthly.$25 and up | 0.10% | $10 | Minimum balance to earn APY is $25.00. Dividends compounded and credited monthly. |
Sources (1)
- elevatecu.com/hubfs/Disclosure…es-ElevateCU-2-19-26.pdf · captured Oct 15, 2026
Regular Savings Accounts
0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $25 and up | 0.10% | $10 |
Sources (1)
- elevatecu.com/hubfs/Disclosure…es-ElevateCU-2-19-26.pdf · captured Oct 15, 2026
Second Chance Savings
0.10%APY
Second Chance Accounts are not eligible for Courtesy Pay and may not be eligible for Bill Pay or Mobile Deposits. Monthly service charge of $10.00 applies.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and credited monthly. Second Chance Accounts are not eligible for Courtesy Pay and may not be eligible for Bill Pay or Mobile Deposits. Monthly service charge is $10.00.Any balance | 0.10% | $10 | Dividends compounded and credited monthly. Second Chance Accounts are not eligible for Courtesy Pay and may not be eligible for Bill Pay or Mobile Deposits. Monthly service charge is $10.00. |
Sources (1)
- elevatecu.com/hubfs/Disclosure…es-ElevateCU-2-19-26.pdf · captured Oct 15, 2026
Special Savings Accounts
0.10%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum balance to earn APY is $25.00. Dividends compounded and credited monthly.$25 and up | 0.10% | $10 | Minimum balance to earn APY is $25.00. Dividends compounded and credited monthly. |
Sources (1)
- elevatecu.com/hubfs/Disclosure…es-ElevateCU-2-19-26.pdf · captured Oct 15, 2026
Traditional Savings
0.10%APY
Dividends are paid on the last day of the month to account holders who have maintained an average daily balance of $25 or more.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upDividends paid on the last day of the month to account holders maintaining an average daily balance of $25 or more.$25 and up | 0.10% | $10 | Dividends paid on the last day of the month to account holders maintaining an average daily balance of $25 or more. |
Special-purpose accounts
IRA Accounts
0.15%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum balance to earn APY is $25.00. Dividends compounded and credited monthly.$25 and up | 0.15% | $15 | Minimum balance to earn APY is $25.00. Dividends compounded and credited monthly. |
Sources (1)
- elevatecu.com/hubfs/Disclosure…es-ElevateCU-2-19-26.pdf · captured Oct 15, 2026
Christmas Club Accounts
0.10%APY
Standard withdrawal dates are from October 1st to December 31, but money can be withdrawn anytime without penalty. No account service charges and no early withdrawal service charges.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum balance to earn APY is $25.00. Dividends compounded and credited monthly. Standard withdrawal dates are from October 1st to December 31, but money can be withdrawn anytime without penalty.$25 and up | 0.10% | $10 | Minimum balance to earn APY is $25.00. Dividends compounded and credited monthly. Standard withdrawal dates are from October 1st to December 31, but money can be withdrawn anytime without penalty. |
Sources (2)
All captured Oct 15, 2026
Dollar Dog Kids Club
0.10%APY
Youth savings account for kids.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upDividends paid on the last day of the month to account holders maintaining an average daily balance of $25 or more.$25 and up | 0.10% | $10 | Dividends paid on the last day of the month to account holders maintaining an average daily balance of $25 or more. |
Sources (3)
All captured Oct 15, 2026
iSave Teen
0.10%APY
Youth savings account for teens.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upDividends paid on the last day of the month to account holders maintaining an average daily balance of $25 or more.$25 and up | 0.10% | $10 | Dividends paid on the last day of the month to account holders maintaining an average daily balance of $25 or more. |
Sources (3)
All captured Oct 15, 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.