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Elevations Credit Union

One State/TerritoryVariable · PrimeCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
18.24–21%
Annual fee
$49
0% intro
12 mo
0% transfer
12 mo
Foreign fee
1%
Grace period
None

Purchase APR by credit tier

Median rate the issuer reported for each tier

No score
—
≤619
—
620–719
21%
720+
18.24%
Lowest offered18.24%
Median20.24%
Highest offered21%

Introductory purchase APR

Promotional window: 12 months

The intro rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered0%
Median0%
Highest offered0%

Balance transfer APR

Promotional window: 12 months

The transfer rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered0%
Median0%
Highest offered0%

Cash advance APR

No score
—
≤619
—
620–719
—
720+
20.24%
Lowest offered20.24%
Median—
Highest offered21%

Every fee on this card

Annual fee$49
Periodic fee range$0 – $49
Balance transfer fee3%
Cash advance feeNone
Foreign transaction fee1%
Purchase transaction feeNone
Late fee$15
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Balance Transfer Fee$0

Rewards, benefits and features

Rewards
  • Cashback rewards
  • Travel-related rewards
  • Other rewards
Services
  • Access to Free Credit Scores
  • Automobile rental insurance
  • Discounts on purchases of goods and services (non travel related)
  • Extension on manufacturer’s warranty
Features
  • Contactless Payments
  • Chip card
  • Mobile wallet provisioning (for example, Apple Pay)

Issuer note: Discounts on certain items sold through the University of Colorado

Who can get this card

AvailabilityOne State/Territory
StatesCO
Membership requirementsYes
RequirementOther. Please Describe:
Phone1-800-429-7626
Balance transfer calculator
Stay put — 12 mo at 24%$600
Transfer fee (3%)$150
Promo interest at 0.00%$0
You save$450

Assumes you pay the balance down evenly across the 12-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 20.24% afterwards.

Cost to carry a balance
Interest for a year at 20.24%$607.20
Annual / periodic fees$49
Total yearly cost$656.20

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the stated-day grace period avoids the interest entirely.

Cardholder agreements

4 documents filed by Elevations Credit Union in the 2026 Q1 archive.

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