Build your credit here: We’re in it for the long haul.

Start adulting the right way with the Elevations Graduation Program,1 and bank with an organization that’s about more than the bottom line. Here, you can build credit, community and lasting relationships.

Members can pre-qualify for a credit card with a limit of up to $2,500 — even without a credit history.

This program is valid for up to 24 months after graduating from a college or technical school.



Your no-cost financial consultation can include takeaways like:

  • Ideas to reduce fees, increase savings and better manage your money
  • A plan to achieve your short-term and long-term financial goals
  • Advice on your financial situation and answers to your questions
  • A budget plan for holidays, trips and special occasions

An Elevations Visa® Credit Card features:

  • Start with a credit limit up to $2,500
  • Enjoy an introductory APR†
  • Free, easy online application
  • No annual fee
  • No credit score or established credit history required

Choose between the Elevations Visa Rewards Credit Card (earn 1 point per $1 spent)** or the Elevations Visa Credit Card (a low-rate option).

For complete terms, please see the Elevations Visa Application and Solicitation Disclosure.


What you’ll need to apply:

  • A copy of your diploma (or a letter from the Registrar’s Office/copy of your transcript confirming your graduation date)
  • A signed job offer letter that includes salary information (or your most recent paystub)
  • Recent bank statements showing a disposable income of at least $1,000
  • Your current driver’s license, state ID card or passport
  • Your Social Security Number

An Elevations auto loan features:
  • $0 down payment up to 100% retail value (through the Elevations Graduation Program*)
  • A simple online application
  • Instant approval if qualified
  • Flexible term options
  • Loans available for new and used vehicles, from a dealership or private party
  • Powerful tools like AutoTrek* or AutoSMART* or our auto loan calculator

What you’ll need to apply:
  • A copy of your diploma (or a letter from the Registrar’s Office/copy of your transcript confirming your graduation date)
  • A signed job offer letter that includes salary information (or your most recent paystub)
  • Your current driver’s license, state ID card or passport
  • Your Social Security Number

Ready to build your credit?

Your hard work deserves credit. Whether you’re planning to travel, make important purchases, or simply want peace of mind, we’re here to help.

Elevations Auto Loan

$0 down auto loans

Looking for a new ride? Our graduation program can help with that, too.

  • $0 down payment (through the Elevations Graduation Program1)
  • A simple online application
  • Instant approval if qualified
  • Flexible term options

Questions?

We’re here to help.

*Links to a third-party site.

**Elevations Rewards are subject to change and to program rules.

1Membership required. The Elevations Graduation Program is designed to assist members that have recently graduated (up to 24 months) from a college or technical school and may or may not already have established credit. Some applications may require a cosigner for loan approval. Maximum DTI and income requirements will apply. A copy of your transcript confirming your graduation date can also be used to qualify if you have not yet graduated. Other restrictions apply and all applicants are subject to underwriting and approval. This offer is limited to the person associated with this email address, requires proof of identity, cannot be combined with any other offer, and cannot be accepted by or with another person, unless a co-signer is required. If you request a loan but no longer meet the criteria that was used to select you for this offer, you may not qualify for the terms above. Terms and conditions are subject to change.

†Annual Percentage Rate. Offers of credit are subject to membership requirements and credit approval. All credit union loan programs, rates, promotions, terms and conditions subject to change without notice. The introductory Annual Percentage Rate (APR) will continue for thirteen billing cycles. After the introductory period, your available APR will apply, depending on creditworthiness, and will be applied to any remaining balance, purchases and balance transfers. Please see the Elevations Visa Application and Solicitation Disclosure (PDF).

© Elevations Credit Union. All Rights Reserved. Routing #307074580. NMLS #717246.

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Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.