Credit union · NCUA insured
Elevations Credit Union CD Rates
Elevations Credit Union’s best CD rate is 3.75% APY on a 4-month share certificate (CD), with extra requirements. Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Elevations Credit Union’s CD rates compare
Compared with banks and credit unions near Boulder, CO, where Elevations Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Elevations Credit Union
3.75%APY
- Term
- 4 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $123
4-Month Promotional Flex CD
Top rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
2nd-highest rate
PNC
4.25%APY
- Term
- 13 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $461
Elevations Credit Union CD score
66
CD score
Higher than 17% of U.S. banks and credit unions
- 3–8 months3–8 mo3.00%
- 9–15 months9–15 mo3.00%
- 16–30 months16–30 mo2.50%
- 31–60 months31–60 mo2.50%
- QualifiedQualified3.75%
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 Elevations 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.
4-Month Promotional Flex CD
Up to 3.75%APY · 1 term
No early withdrawal penalty when withdrawing total balance and interest earned beginning 7 days after funds have been received. No withdrawals permitted during first 6 days following receipt of funds. No partial withdrawals allowed. Auto-renews to 3-month certificate. Membership eligibility and one-time $5 membership fee required at account opening.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 4 monthsAvailable with active Summit Dividend Checking account (0.25% relationship rate boost) opened or renewed on same membership account. Not available on HSA, ESA or IRA CD. Auto-renews to 3 months | 3.75% | $123 |
| 4 monthsStandard promotional rate for Regular & Business CDs. Auto-renews to 3 months | 3.50% | $115 |
Jumbo Certificates of Deposit
Up to 3.35%APY · 4 terms
Membership eligibility and one-time $5 membership fee required at account opening. Not available for business accounts. Early withdrawal penalty applies: 30 days of dividends for terms 6 months or less; 180 days of dividends for terms 7 months or more.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsHighest APY includes 0.25% APR rate boost for members with an active Summit Dividend Checking account opened or renewed on the same membership account | 3.35% | — |
| 12 monthsHighest APY includes 0.25% APR rate boost for members with an active Summit Dividend Checking account opened or renewed on the same membership account | 3.35% | — |
| 24 monthsHighest APY includes 0.25% APR rate boost for members with an active Summit Dividend Checking account opened or renewed on the same membership account | 2.85% | — |
| 60 monthsHighest APY includes 0.25% APR rate boost for members with an active Summit Dividend Checking account opened or renewed on the same membership account | 2.85% | — |
Sources (2)
All captured Oct 4, 2026
Standard Certificates of Deposit
Up to 3.25%APY · 8 terms
Membership eligibility and one-time $5 membership fee required at account opening. Early withdrawal penalty applies: 30 days of dividends for terms 6 months or less; 180 days of dividends for terms 7 months or more.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsHighest APY includes 0.25% APR rate boost for members with an active Summit Dividend Checking account opened or renewed on the same membership account | 2.75% | $68 |
| 3 monthsStandard rate | 2.50% | $62 |
| 6 monthsHighest APY includes 0.25% APR rate boost for members with an active Summit Dividend Checking account opened or renewed on the same membership account | 3.25% | $161 |
| 6 monthsStandard rate | 3.00% | $149 |
| 12 monthsHighest APY includes 0.25% APR rate boost for members with an active Summit Dividend Checking account opened or renewed on the same membership account | 3.25% | $325 |
| 12 monthsStandard rate | 3.00% | $300 |
| 18 monthsHighest APY includes 0.25% APR rate boost for members with an active Summit Dividend Checking account opened or renewed on the same membership account | 2.75% | $415 |
| 18 monthsStandard rate | 2.50% | $377 |
| 24 monthsHighest APY includes 0.25% APR rate boost for members with an active Summit Dividend Checking account opened or renewed on the same membership account | 2.75% | $558 |
| 24 monthsStandard rate | 2.50% | $506 |
| 36 monthsHighest APY includes 0.25% APR rate boost for members with an active Summit Dividend Checking account opened or renewed on the same membership account | 2.75% | $848 |
| 36 monthsStandard rate | 2.50% | $769 |
| 48 monthsHighest APY includes 0.25% APR rate boost for members with an active Summit Dividend Checking account opened or renewed on the same membership account | 2.75% | $1,146 |
| 60 monthsHighest APY includes 0.25% APR rate boost for members with an active Summit Dividend Checking account opened or renewed on the same membership account | 2.75% | $1,453 |
| 60 monthsStandard rate | 2.50% | $1,314 |
Sources (2)
All captured Oct 4, 2026
Special-purpose accounts
13-Month Promotional CD
Up to 4.00%APY · 1 term
Fixed rate for full term. Auto-renews to 12-month certificate. No monthly fees. Early withdrawal penalty applies (180 days of dividends for terms 7 months or more). Membership eligibility and one-time $5 membership fee required at account opening.
| Term | APY · $500 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 13 monthsAvailable with active Summit Dividend Checking account (0.25% relationship rate boost) opened or renewed on same membership account. Not available on HSA, ESA or IRA CD. Auto-renews to 12 months | 4.00% | — | 4.00% | $434 |
| 13 monthsJumbo promotional rate available with active Summit Dividend Checking account (0.25% relationship rate boost) opened or renewed on same membership account. Not available on HSA, ESA or IRA CD. Auto-renews to 12 months | — | 4.00% | —4.00% from $100k | — |
| 13 monthsJumbo promotional rate for Regular, IRA, HSA. Auto-renews to 12 months | — | 3.75% | —3.75% from $100k | — |
| 13 monthsStandard promotional rate for Regular, IRA, HSA, Business. Auto-renews to 12 months | 3.75% | — | 3.75% | $407 |
Sources (3)
- elevationscu.com
- elevationscu.com/personal/chec…ngs/savings/certificates
- elevationscu.com/resources/our-rates
All captured Oct 4, 2026
7-Month Promotional CD
Up to 3.75%APY · 1 term
Auto-renews to 6-month certificate. Early withdrawal penalty applies (180 days of dividends for terms 7 months or more). Membership eligibility and one-time $5 membership fee required at account opening.
| Term | APY · $500 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 7 monthsAvailable with active Summit Dividend Checking account (0.25% relationship rate boost) opened or renewed on same membership account. Not available on HSA, ESA or IRA CD. Auto-renews to 6 months | 3.75% | — | 3.75% | $217 |
| 7 monthsJumbo promotional rate available with active Summit Dividend Checking account (0.25% relationship rate boost) opened or renewed on same membership account. Not available on HSA, ESA or IRA CD. Auto-renews to 6 months | — | 3.85% | —3.85% from $100k | — |
| 7 monthsJumbo promotional rate for Regular, IRA, HSA. Auto-renews to 6 months | — | 3.60% | —3.60% from $100k | — |
| 7 monthsStandard promotional rate for Regular, IRA, HSA, Business CDs. Auto-renews to 6 months | 3.50% | — | 3.50% | $203 |
Sources (2)
All captured Oct 4, 2026
HSA Certificates
Up to 3.00%APY · 8 terms
Health Savings Account (HSA) certificate available starting with just $100, or save big with a Jumbo HSA certificate. Additional deposits permitted on certificates with terms of 12 months or less. IRS contribution limits and rules apply. Early withdrawal penalty applies: 30 days of dividends for terms 6 months or less; 180 days of dividends for terms 7 months or more. Membership eligibility and one-time $5 membership fee required at account opening.
| Term | APY · $100 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsStandard Certificate tier | 2.50% | — | 2.50% | $62 |
| 6 monthsJumbo Certificate tier | — | 3.10% | —3.10% from $100k | — |
| 6 monthsStandard Certificate tier | 3.00% | — | 3.00% | $149 |
| 12 monthsJumbo Certificate tier | — | 3.10% | —3.10% from $100k | — |
| 12 monthsStandard Certificate tier | 3.00% | — | 3.00% | $300 |
| 18 monthsStandard Certificate tier | 2.50% | — | 2.50% | $377 |
| 24 monthsJumbo Certificate tier | — | 2.60% | —2.60% from $100k | — |
| 24 monthsStandard Certificate tier | 2.50% | — | 2.50% | $506 |
| 36 monthsStandard Certificate tier | 2.50% | — | 2.50% | $769 |
| 48 monthsStandard Certificate tier | 2.50% | — | 2.50% | $1,038 |
| 60 monthsJumbo Certificate tier | — | 2.60% | —2.60% from $100k | — |
| 60 monthsStandard Certificate tier | 2.50% | — | 2.50% | $1,314 |
Sources (2)
All captured Oct 4, 2026
IRA Certificates
Up to 3.00%APY · 8 terms
Membership eligibility and one-time $5 membership fee required at account opening. Available as Traditional, Roth, and Rollover IRAs. Not eligible for Summit Dividend Checking 0.25% APY rate boost. Early withdrawal penalty applies: 30 days of dividends for terms 6 months or less; 180 days of dividends for terms 7 months or more.
| Term | APY · $100 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsStandard Certificate tier | 2.50% | — | 2.50% | $62 |
| 6 monthsJumbo Certificate tier | — | 3.10% | —3.10% from $100k | — |
| 6 monthsStandard Certificate tier | 3.00% | — | 3.00% | $149 |
| 12 monthsJumbo Certificate tier | — | 3.10% | —3.10% from $100k | — |
| 12 monthsStandard Certificate tier | 3.00% | — | 3.00% | $300 |
| 18 monthsStandard Certificate tier | 2.50% | — | 2.50% | $377 |
| 24 monthsJumbo Certificate tier | — | 2.60% | —2.60% from $100k | — |
| 24 monthsStandard Certificate tier | 2.50% | — | 2.50% | $506 |
| 36 monthsStandard Certificate tier | 2.50% | — | 2.50% | $769 |
| 48 monthsStandard Certificate tier | 2.50% | — | 2.50% | $1,038 |
| 60 monthsJumbo Certificate tier | — | 2.60% | —2.60% from $100k | — |
| 60 monthsStandard Certificate tier | 2.50% | — | 2.50% | $1,314 |
Elevations First Tracks™ Certificates
Up to 3.00%APY · 2 terms
For children 17 or under. Additional deposits starting at $10 permitted as regularly as desired. Membership eligibility and one-time $5 membership fee required at account opening. Early withdrawal penalty applies: 30 days of dividends for terms 6 months or less; 180 days of dividends for terms 7 months or more.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsStandard tier | 3.00% | $300 |
| 24 monthsStandard tier | 2.50% | $506 |
Sources (2)
All captured Oct 4, 2026
Who can join Elevations Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Live or work in Adams, Arapahoe, Boulder, Broomfield, Chaffee, Clear Creek, Delta, Denver, Douglas, Eagle, El Paso, Elbert, Gilpin, Grand, Jackson, Jefferson, Lake, Larimer, Logan, Mesa, Morgan, Park, Pitkin, Routt, Summit, Teller, or Weld counties.
Employers and groups
- Work for one of the nearly 400 Elevations select employer groups (SEGs).
Military, government and schools
- Work or study at CU Boulder or Naropa University.
Family and household
- Be related to an Elevations member.
Other ways
- Donate $15 or more to the Local Change Foundation.
Cost to join
- Join Elevations by opening a Membership Savings Account and paying a one-time $5 membership fee for each account holder.
Membership information collected October 4, 2026.