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ELGA Credit Union

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ELGA Credit Union Rates & Review November 2026

Q: What are the current interest rates at ELGA Credit Union?

Current rates for ELGA Credit Union include: 12-Month CD: 2.65%, 18-Month CD: 2.70%, 24-Month CD: 2.75%, 60-Month CD: 3.15%, Savings: 1.51%, MMA: 3.30%

Q: What CD terms does ELGA Credit Union offer?

ELGA Credit Union CD rates are 2.65% APY for a 12 month CD, 2.70% APY for an 18 month CD, 2.75% APY for a 2 year CD, 3.05% APY for a 3 year CD, 3.15% APY for a 4 year CD and 3.45% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with ELGA Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

ELGA Credit Union's 60 Month Regular CD rates are at 3.45%, Regular CD - 60-Month rates are at 3.25%, 48 Month Regular CD rates are at 3.15%, 36 Month Regular CD rates are at 3.05%, Regular CD - 48-Month rates are at 3.05%. ELGA Credit Union's savings rates are at 1.51%. ELGA Credit Union's money market rates are at 3.30%. ELGA Credit Union's checking rates are as high as 6.17%. ELGA Credit Union's ARM 1st Mortgage Purchase or Refinance ELGA Portfolio - 3/1 ARM rates are at 6.38%, ARM 1st Mortgage Purchase or Refinance ELGA Portfolio - 5/1 ARM rates are at 6.50%, ARM 1st Mortgage Purchase or Refinance ELGA Portfolio - 7/1 ARM rates are at 6.62%, 1st Mortgage Purchase or Refinance ELGA Portfolio - 15 Year Fixed rates are at 6.62%, 1st Mortgage Purchase or Refinance ELGA Portfolio - 10 Year Fixed rates are at 6.53%. ELGA Credit Union's Personal Loan Rates are as low as 9.40%. ELGA Credit Union's Credit Card Rates are at 11.75%. ELGA Credit Union's CD rates are 5% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of ELGA Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.72%. Rates last updated and verified on 10/29/2026.

ELGA Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at ELGA Credit Union? Share your experience about ELGA Credit Union by leaving a review below, or read customer reviews before you decide to use ELGA Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.72%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

ELGA Credit Union
Headquarters

6065 Grand Pointe Blvd
Grand Blanc, MI 48439

https://www.elgacu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

ELGA Credit Union CD Rates

Product	Rate	APY	Term
10-Month Promo CD	3.93%	4.00%	10 months
Min Deposit $1,000 Min Balance $1,000 Details Promotional Regular CD account; Minimum Opening Balance & Balance to Earn Dividends: $1,000.00 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
10-Month Roth IRA Promo CD	3.93%	4.00%	10 months
Min Deposit $1,000 Min Balance $1,000 Details Promotional Roth IRA CD account; Minimum Opening Balance & Balance to Earn Dividends: $1,000.00 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
10-Month Traditional IRA Promo CD	3.93%	4.00%	10 months
Min Deposit $1,000 Min Balance $1,000 Details Promotional Traditional IRA CD account; Minimum Opening Balance & Balance to Earn Dividends: $1,000.00 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
60 Month Regular CD	3.40%	3.45%	60-Month
Min Deposit $1,000 Min Balance $500,000 Details Balance: $500,000.00 and over Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
60 Month Regular CD	3.30%	3.35%	60-Month
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99; Minimum Opening Balance & Balance to Earn Dividends: $1,000.00; Dividends compounded and credited monthly Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Regular CD - 60-Month	3.20%	3.25%	60-Month
Min Deposit $1,000 Min Balance $1,000 Details Regular CD / Traditional IRA CD & Roth IRA CD; $100,000.00 - $249,999.99 tier Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
60 Month Regular CD	3.15%	3.20%	60-Month
Min Deposit $1,000 Min Balance $30,000 Details Balance: $30,000.00 - 99,999.99; Minimum opening balance and balance to earn dividends $1,000.00 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
48 Month Regular CD	3.11%	3.15%	48-Month
Min Deposit $1,000 Min Balance $500,000 Details Balance: $500,000.00 and over Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Regular CD - 60-Month	3.11%	3.15%	60-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $29,999.99; Minimum opening and balance to earn dividends $1,000.00; Regular CD / Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
48 Month Regular CD	3.06%	3.10%	48-Month
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99; Minimum Opening Balance & Balance to Earn Dividends: $1,000.00; Dividends compounded and credited monthly Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
36 Month Regular CD	3.01%	3.05%	36-Month
Min Deposit $1,000 Min Balance $500,000 Details Balance: $500,000.00 and over Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Regular CD - 48-Month	3.01%	3.05%	48-Month
Min Deposit $1,000 Min Balance $1,000 Details Regular CD / Traditional IRA CD & Roth IRA CD; $100,000.00 - $249,999.99 tier Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
36 Month Regular CD	2.96%	3.00%	36-Month
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99; Minimum Opening Balance & Balance to Earn Dividends: $1,000.00; Dividends compounded and credited monthly Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
48 Month Regular CD	2.96%	3.00%	48-Month
Min Deposit $1,000 Min Balance $30,000 Details Balance: $30,000.00 - 99,999.99; Minimum opening balance and balance to earn dividends $1,000.00 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
24 Month Regular CD	2.91%	2.95%	24-Month
Min Deposit $1,000 Min Balance $500,000 Details Balance: $500,000.00 and over Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.95% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Regular CD - 36-Month	2.91%	2.95%	36-Month
Min Deposit $1,000 Min Balance $1,000 Details Regular CD / Traditional IRA CD & Roth IRA CD; $100,000.00 - $249,999.99 tier Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.95% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Regular CD - 48-Month	2.91%	2.95%	48-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $29,999.99; Minimum opening and balance to earn dividends $1,000.00; Regular CD / Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.95% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
18 Month Regular CD	2.86%	2.90%	18-Month
Min Deposit $1,000 Min Balance $500,000 Details Balance: $500,000.00 and over Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
24 Month Regular CD	2.86%	2.90%	24-Month
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99; Minimum Opening Balance & Balance to Earn Dividends: $1,000.00; Dividends compounded and credited monthly Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 2.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
36 Month Regular CD	2.86%	2.90%	36-Month
Min Deposit $1,000 Min Balance $30,000 Details Balance: $30,000.00 - 99,999.99; Minimum opening balance and balance to earn dividends $1,000.00 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
12 Month Regular CD	2.81%	2.85%	12-Month
Min Deposit $1,000 Min Balance $500,000 Details Balance: $500,000.00 and over Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
18 Month Regular CD	2.81%	2.85%	18-Month
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99; Minimum Opening Balance & Balance to Earn Dividends: $1,000.00; Dividends compounded and credited monthly Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 2.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Regular CD - 24-Month	2.81%	2.85%	24-Month
Min Deposit $1,000 Min Balance $1,000 Details Regular CD / Traditional IRA CD & Roth IRA CD; $100,000.00 - $249,999.99 tier Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Regular CD - 36-Month	2.81%	2.85%	36-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $29,999.99; Minimum opening and balance to earn dividends $1,000.00; Regular CD / Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
9 Month Regular CD	2.78%	2.82%	9-Month
Min Deposit $1,000 Min Balance $500,000 Details Balance: $500,000.00 and over Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.82% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
12 Month Regular CD	2.76%	2.80%	12-Month
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99; Minimum Opening Balance & Balance to Earn Dividends: $1,000.00; Dividends compounded and credited monthly Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 2.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
24 Month Regular CD	2.76%	2.80%	24-Month
Min Deposit $1,000 Min Balance $30,000 Details Balance: $30,000.00 - 99,999.99; Minimum opening balance and balance to earn dividends $1,000.00 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.80% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
6 Month Regular CD	2.76%	2.80%	6-Month
Min Deposit $1,000 Min Balance $500,000 Details Balance: $500,000.00 and over Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.80% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Regular CD - 18-Month	2.76%	2.80%	18-Month
Min Deposit $1,000 Min Balance $1,000 Details Regular CD / Traditional IRA CD & Roth IRA CD; $100,000.00 - $249,999.99 tier Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
9 Month Regular CD	2.74%	2.77%	9-Month
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99; Minimum Opening Balance & Balance to Earn Dividends: $1,000.00; Dividends compounded and credited monthly Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 2.77% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
18 Month Regular CD	2.72%	2.75%	18-Month
Min Deposit $1,000 Min Balance $30,000 Details Balance: $30,000.00 - 99,999.99; Minimum opening balance and balance to earn dividends $1,000.00 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
6 Month Regular CD	2.72%	2.75%	6-Month
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99; Minimum Opening Balance & Balance to Earn Dividends: $1,000.00; Dividends compounded and credited monthly Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 2.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Regular CD - 12-Month	2.72%	2.75%	12-Month
Min Deposit $1,000 Min Balance $1,000 Details Regular CD / Traditional IRA CD & Roth IRA CD; $100,000.00 - $249,999.99 tier Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Regular CD - 24-Month	2.72%	2.75%	24-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $29,999.99; Minimum opening and balance to earn dividends $1,000.00; Regular CD / Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Regular CD - 9-Month	2.69%	2.72%	9-Month
Min Deposit $1,000 Min Balance $1,000 Details Regular CD / Traditional IRA CD & Roth IRA CD; $100,000.00 - $249,999.99 tier Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.72% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
12 Month Regular CD	2.67%	2.70%	12-Month
Min Deposit $1,000 Min Balance $30,000 Details Balance: $30,000.00 - 99,999.99; Minimum opening balance and balance to earn dividends $1,000.00 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Regular CD - 18-Month	2.67%	2.70%	18-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $29,999.99; Minimum opening and balance to earn dividends $1,000.00; Regular CD / Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Regular CD - 6-Month	2.67%	2.70%	6-Month
Min Deposit $1,000 Min Balance $1,000 Details Regular CD / Traditional IRA CD & Roth IRA CD; $100,000.00 - $249,999.99 tier Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
9 Month Regular CD	2.64%	2.67%	9-Month
Min Deposit $1,000 Min Balance $30,000 Details Balance: $30,000.00 - 99,999.99; Minimum opening balance and balance to earn dividends $1,000.00 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.67% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
6 Month Regular CD	2.62%	2.65%	6-Month
Min Deposit $1,000 Min Balance $30,000 Details Balance: $30,000.00 - 99,999.99; Minimum opening balance and balance to earn dividends $1,000.00 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.65% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Regular CD - 12-Month	2.62%	2.65%	12-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $29,999.99; Minimum opening and balance to earn dividends $1,000.00; Regular CD / Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Regular CD - 9-Month	2.59%	2.62%	9-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $29,999.99; Minimum opening and balance to earn dividends $1,000.00; Regular CD / Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.62% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Regular CD - 6-Month	2.58%	2.60%	6-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $29,999.99; Minimum opening and balance to earn dividends $1,000.00; Regular CD / Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
3 Month Regular CD	2.23%	2.25%	3-Month
Min Deposit $1,000 Min Balance $500,000 Details Balance: $500,000.00 and over Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
3 Month Regular CD	2.18%	2.20%	3-Month
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99; Minimum Opening Balance & Balance to Earn Dividends: $1,000.00; Dividends compounded and credited monthly Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 2.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Regular CD - 3-Month	2.13%	2.15%	3-Month
Min Deposit $1,000 Min Balance $1,000 Details Regular CD / Traditional IRA CD & Roth IRA CD; $100,000.00 - $249,999.99 tier Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
3 Month Regular CD	2.08%	2.10%	3-Month
Min Deposit $1,000 Min Balance $30,000 Details Balance: $30,000.00 - 99,999.99; Minimum opening balance and balance to earn dividends $1,000.00 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Regular CD - 3-Month	2.03%	2.05%	3-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $29,999.99; Minimum opening and balance to earn dividends $1,000.00; Regular CD / Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%

ELGA Credit Union Savings Rates

Product	Rate	APY
Health Savings Account	1.50%	1.51%
Min Deposit $0 Min Balance $10,000 Details Balance: $10,000 + Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Health Savings Account	1.25%	1.25%
Min Deposit $0 Min Balance $1,000 Details Balance: $1,000-$9,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Health Savings Account	0.75%	0.75%
Min Deposit $0 Min Balance $200 Details Balance: $200.00-$999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Christmas Club	0.15%	0.15%
Min Deposit $5 Min Balance $200 Details Balance: All Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Super Saver Club	0.15%	0.15%
Min Deposit $5 Min Balance $0 Details Balance: All; Minimum Balance to Earn Dividends: $0.00 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Membership Share	0.10%	0.10%
Details Membership Share; available to All Consumer and Business Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%

ELGA Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Membership Share	0.10%	0.10%
Min Deposit $5 Min Balance $200 Details Dividends compounded and credited quarterly Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%

ELGA Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market Account	3.25%	3.30%
Min Deposit $10,000 Min Balance $25,000 Details Balance: $25,000.00 and up Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Business Money Market Account	1.50%	1.51%
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000.00-$24,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%

ELGA Credit Union Checking Rates

Product	Rate	APY	View More
Kasasa Cash Checking	6.00%	6.17%
Min Deposit $0 Min Balance $0 Details Balance: $0.00 - $15,000.00; Dividends compounded and credited monthly Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 6.17% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%

ELGA Credit Union Business Checking Rates

Product	Rate	APY
Business Basic Checking	0.10%	0.10%
Min Deposit $0 Min Balance $10,000 Details Dividends compounded and credited monthly Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Business Checking Plus	0.10%	0.10%
Min Deposit $0 Min Balance $10,000 Details Dividends compounded and credited monthly Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Business Non-Profit Checking	0.10%	0.10%
Min Deposit $0 Min Balance $10,000 Details Dividends compounded and credited monthly Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%

ELGA Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
ARM 1st Mortgage Purchase or Refinance ELGA Portfolio - 3/1 ARM	6.375%	0.000	6.583%	3/1 ARM
Details As Low As; Interest rate as low as 6.375%; APR based on estimated loan amount of $175,000 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 6.46% → 6.58% ▲ 0.13 pts · high 6.58% / low 6.46% Oct 9, 20266.58%▲ from 6.46% Sep 18, 20266.46%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
ARM 1st Mortgage Purchase or Refinance ELGA Portfolio - 5/1 ARM	6.50%	0.000	6.71%	5/1 ARM
Details As Low As; Interest rate as low as 6.500%; APR based on estimated loan amount of $175,000 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 6.58% → 6.71% ▲ 0.13 pts · high 6.71% / low 6.58% Oct 9, 20266.71%▲ from 6.58% Sep 18, 20266.58%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
ARM 1st Mortgage Purchase or Refinance ELGA Portfolio - 7/1 ARM	6.625%	0.000	6.836%	7/1 ARM
Details As Low As; Interest rate as low as 6.625%; APR based on estimated loan amount of $175,000 Last Updated 10/29/2026 Rate History 1 change since Sep 18, 2026 · 6.71% → 6.84% ▲ 0.13 pts · high 6.84% / low 6.71% Oct 9, 20266.84%▲ from 6.71% Sep 18, 20266.71%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
1st Mortgage Purchase or Refinance ELGA Portfolio - 15 Year Fixed	6.625%	0.000	6.971%	15 years
Details As Low As; Rates for members with excellent credit; Annual Percentage Rate based on an estimated loan amount of $175,000 Last Updated 10/29/2026 Rate History 4 changes since Sep 14, 2026 · 6.85% → 6.97% ▲ 0.13 pts · high 7.22% / low 6.85% Oct 29, 20266.97%▼ from 7.10% Oct 9, 20267.10%▼ from 7.22% Oct 2, 20267.22%▲ from 7.10% Sep 29, 20267.10%▲ from 6.85% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
1st Mortgage Purchase or Refinance ELGA Portfolio - 10 Year Fixed	6.525%	0.000	7.011%	10 years
Details As Low As; Rates for members with excellent credit; Annual Percentage Rate based on an estimated loan amount of $175,000 Last Updated 10/29/2026 Rate History 4 changes since Sep 14, 2026 · 6.89% → 7.01% ▲ 0.13 pts · high 7.26% / low 6.89% Oct 29, 20267.01%▼ from 7.14% Oct 9, 20267.14%▼ from 7.26% Oct 2, 20267.26%▲ from 7.14% Sep 29, 20267.14%▲ from 6.89% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
1st Mortgage Purchase or Refinance ELGA Portfolio - 20 Year Fixed	6.875%	0.000	7.155%	20 years
Details As Low As; Rates for members with excellent credit; Annual Percentage Rate based on an estimated loan amount of $175,000 Last Updated 10/29/2026 Rate History 4 changes since Sep 14, 2026 · 7.03% → 7.16% ▲ 0.13 pts · high 7.41% / low 7.03% Oct 29, 20267.16%▼ from 7.28% Oct 9, 20267.28%▼ from 7.41% Oct 2, 20267.41%▲ from 7.28% Sep 29, 20267.28%▲ from 7.03% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
1st Mortgage Purchase or Refinance ELGA Portfolio - 15 Year Balloon - 30 Year Payment	7.125%	0.000	7.343%	15 years
Details As Low As; Balloon with 30 year payment; Rates for members with excellent credit; Annual Percentage Rate based on an estimated loan amount of $175,000 Last Updated 10/29/2026 Rate History 1 change since Sep 29, 2026 · 7.47% → 7.34% ▼ 0.13 pts · high 7.47% / low 7.34% Oct 29, 20267.34%▼ from 7.47% Sep 29, 20267.47%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Investment Property ARM 1st Mortgage - 3/1 ARM	7.125%	0.000	7.343%	3/1 ARM
Details As Low As; Purchase or Refinance; ELGA Portfolio Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.34% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
1st Mortgage Purchase or Refinance (Fannie Mae and Government Programs) - 15 Year Fixed	7.00%	0.000	7.35%	15 years
Details As Low As; Fannie Mae and Government Programs; APR based on estimated loan amount of $175,000; rates for members with excellent credit Last Updated 10/29/2026 Rate History 4 changes since Sep 14, 2026 · 7.60% → 7.35% ▼ 0.25 pts · high 7.86% / low 7.35% Oct 29, 20267.35%▼ from 7.73% Oct 13, 20267.73%▼ from 7.86% Oct 2, 20267.86%▲ from 7.35% Sep 18, 20267.35%▼ from 7.60% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
1st Mortgage Purchase or Refinance (Fannie Mae and Government Programs) - 10 Year Fixed	6.875%	0.125	7.393%	10 years
Details As Low As; Fannie Mae and Government Programs; APR based on estimated loan amount of $175,000; rates for members with excellent credit Last Updated 10/29/2026 Rate History 2 changes since Sep 18, 2026 · 7.39% → 7.39% ▼ 0.00 pts · high 7.77% / low 7.39% Oct 29, 20267.39%▼ from 7.77% Oct 13, 20267.77%▲ from 7.39% Sep 18, 20267.39%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Investment Property ARM 1st Mortgage - 5/1 ARM	7.25%	0.000	7.469%	5/1 ARM
Details As Low As; Purchase or Refinance; ELGA Portfolio Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.47% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Investment Property ARM 1st Mortgage - 7/1 ARM	7.375%	0.000	7.596%	7/1 ARM
Details As Low As; Purchase or Refinance; ELGA Portfolio Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.60% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
1st Mortgage Purchase or Refinance (Fannie Mae and Government Programs) - 30 Year Fixed	7.375%	0.125	7.609%	30 years
Details As Low As; Fannie Mae and Government Programs; APR based on estimated loan amount of $175,000; rates for members with excellent credit Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 7.36% → 7.61% ▲ 0.25 pts · high 7.99% / low 7.36% Oct 29, 20267.61%▼ from 7.99% Sep 29, 20267.99%▲ from 7.36% Sep 14, 20267.36%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
1st Mortgage Purchase or Refinance (Fannie Mae and Government Programs) - 20 Year Fixed	7.375%	0.000	7.661%	20 years
Details As Low As; Fannie Mae and Government Programs; APR based on estimated loan amount of $175,000; rates for members with excellent credit Last Updated 10/29/2026 Rate History 3 changes since Sep 18, 2026 · 7.53% → 7.66% ▲ 0.13 pts · high 8.04% / low 7.53% Oct 29, 20267.66%▼ from 7.91% Oct 13, 20267.91%▼ from 8.04% Oct 2, 20268.04%▲ from 7.53% Sep 18, 20267.53%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Investment Property 1st Mortgage - 15 Year Fixed	7.875%	0.000	8.234%	15 years
Details As Low As; Purchase or Refinance; ELGA Portfolio Last Updated 10/29/2026 Rate History 2 changes since Oct 13, 2026 · 8.36% → 8.23% ▼ 0.13 pts · high 8.36% / low 8.11% Oct 29, 20268.23%▲ from 8.11% Oct 26, 20268.11%▼ from 8.36% Oct 13, 20268.36%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Investment Property 1st Mortgage - 10 Year Fixed	7.775%	0.000	8.273%	10 years
Details As Low As; Purchase or Refinance; ELGA Portfolio Last Updated 10/29/2026 Rate History 2 changes since Oct 13, 2026 · 8.40% → 8.27% ▼ 0.13 pts · high 8.40% / low 8.15% Oct 29, 20268.27%▲ from 8.15% Oct 26, 20268.15%▼ from 8.40% Oct 13, 20268.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Investment Property 1st Mortgage - 20 Year Fixed	8.125%	0.000	8.419%	20 years
Details As Low As; Purchase or Refinance; ELGA Portfolio Last Updated 10/29/2026 Rate History 2 changes since Oct 13, 2026 · 8.55% → 8.42% ▼ 0.13 pts · high 8.55% / low 8.29% Oct 29, 20268.42%▲ from 8.29% Oct 26, 20268.29%▼ from 8.55% Oct 13, 20268.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Investment Property 1st Mortgage - 15 Year Balloon - 30 Year Payment	8.375%	0.000	8.61%	15 years
Details As Low As; Purchase or Refinance; ELGA Portfolio Last Updated 10/29/2026 Rate History 2 changes since Oct 13, 2026 · 8.74% → 8.61% ▼ 0.13 pts · high 8.74% / low 8.48% Oct 29, 20268.61%▲ from 8.48% Oct 26, 20268.48%▼ from 8.74% Oct 13, 20268.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%

ELGA Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Closed End - 5 Year	6.50%	-	6.75%	5 Year
Details As Low As; Home Equity Closed End Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Home Equity Line of Credit (HELOC)	6.75%	-	6.75%
Details As Low As; Rate: As low as 6.75%; APR is based on Prime plus a margin, adjusted quarterly, never exceeding 18.000%; Rates based on credit bureau score; APR based on estimated loan amount of $100,000 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 6.50% → 6.75% ▲ 0.25 pts · high 6.75% / low 6.50% Oct 2, 20266.75%▲ from 6.50% Sep 14, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Home Equity Closed End - 10 Year	7.74%	-	8.038%	10 Year
Details As Low As; Home Equity Closed End Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 8.04% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Home Equity Closed End - 15 Year	8.74%	-	8.961%	15 Year
Details As Low As; Home Equity Closed End Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 8.96% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%

ELGA Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	5.50%	Up to 72 months
Details As Low As; Years: 2021 - 2026 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 5.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Classic Auto Loan	-	-	5.50%	Up to 72 months
Details As Low As; Years: Classic Auto Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 5.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Auto Loan	-	-	5.75%	73 - 84 months
Details As Low As; Years: 2021 - 2026 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 5.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Auto Loan	-	-	6.00%	85 - 96 months
Details As Low As; Years: 2025-2026 $65,000+ Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 6.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Auto Loan	-	-	6.00%	Up to 60 months
Details As Low As; Years: 2019 - 2020 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 6.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Auto Loan	-	-	7.00%	Up to 48 months
Details As Low As; Years: 2017 - 2018 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 7.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Auto Loan	-	-	7.50%	Up to 36 months
Details As Low As; Years: 2016 & Older Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 7.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%

ELGA Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boats, RVs, and Airplanes Loan	-	6.50%	Up to 60 months
Details As Low As; Loan Amount: $0 - $9,999 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Boats, RVs, and Airplanes Loan	-	6.75%	61 - 84 months
Details As Low As; Loan Amount: $10,000 - $19,999 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Boats, RVs, and Airplanes Loan	-	7.00%	85 - 144 months
Details As Low As; Loan Amount: $20,000 - $29,999 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Boats, RVs, and Airplanes Loan	-	7.25%	145 - 180 months
Details As Low As; Loan Amount: $30,000 & Over Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Boats, RVs, and Airplanes Loan	-	7.50%	181 - 240 months
Details As Low As; Loan Amount: $60,000 & Over Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Powersports: ATV, UTV, Snowmobiles, and Motorcycles (2020 and Newer) Loan	-	7.75%	Up to 48 months
Details As Low As; Loan Amount: $0 - $4,999 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Powersports: ATV, UTV, Snowmobiles, and Motorcycles (2020 and Newer) Loan	-	8.00%	Up to 72 months
Details As Low As; Loan Amount: $5,000 - $14,999 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Powersports: ATV, UTV, Snowmobiles, and Motorcycles (2020 and Newer) Loan	-	8.25%	73 - 96 months
Details As Low As; Loan Amount: $15,000 - $24,999 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Powersports: ATV, UTV, Snowmobiles, and Motorcycles (2020 and Newer) Loan	-	8.50%	97 - 144 months
Details As Low As; Loan Amount: $25,000 & Over Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%

ELGA Credit Union Credit Card Rates

Product	Rate	APR
Business Visa Credit Card	-	11.75%
Details Business Loans Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 11.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Visa Smart Rate	-	11.75%
Details As Low As; Credit Card; rates based on credit bureau score, for members with excellent credit Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 11.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Visa Cash Back	-	13.75%
Details As Low As; Credit Card; rates based on credit bureau score, for members with excellent credit Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 13.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Visa Rewards	-	13.75%
Details As Low As; Credit Card; rates based on credit bureau score, for members with excellent credit Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 13.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%

ELGA Credit Union Personal Loan Rates

Product	APR	Term
Unsecured-Home Improvement Loans	9.40%	1-60 Months
Details As Low As; Min Loan Amount $5,000; for members with excellent credit; 'as low as' includes 0.50% reduction for direct deposit and automatic payments from ELGA account Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 9.40% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Unsecured-Home Improvement Loans	10.40%	61-84 Months
Details As Low As; Min Loan Amount $5,000; for members with excellent credit; 'as low as' includes 0.50% reduction for direct deposit and automatic payments from ELGA account Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 10.40% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%

ELGA Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
BAMM!	3.00%	-	3.05%
Min Deposit $25,000 Min Balance $25,000 Details Qualifying rate; Balance: $25,000.00 - $99,999.99; Requires checking account with $5,000 average daily balance or ELGA VISA purchases of $2,500+ in the calendar month Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
BAMM!	3.25%	-	3.30%
Min Deposit $25,000 Min Balance $100,000 Details Qualifying rate; Balance: $100,000.00 - $249,999.99; Requires checking account with $5,000 average daily balance or ELGA VISA purchases of $2,500+ in the calendar month Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
BAMM!	3.50%	-	3.56%
Min Deposit $25,000 Min Balance $250,000 Details Qualifying rate; Balance: $250,000.00 or Greater; Requires checking account with $5,000 average daily balance or ELGA VISA purchases of $2,500+ in the calendar month Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.56% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
BAMM! Standard	1.70%	-	1.71%
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99; Standard Rate (default when BAMM! qualifications are not met) Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.71% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
BAMM! Standard	1.85%	-	1.87%
Min Deposit $25,000 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99; Standard Rate (default when BAMM! qualifications are not met) Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.87% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
BAMM! Standard	2.00%	-	2.02%
Min Deposit $25,000 Min Balance $250,000 Details Balance: $250,000.00 or Greater; Standard Rate (default when BAMM! qualifications are not met) Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.02% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Basic Cash	0.10%	-	0.10%
Details Applies to: All Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Basic Cash	-	-	0.10%
Min Deposit $0 Details $3.00 monthly fee waived with at least one of: 10 debit card purchases post and settle, eStatements, age 65 or older, $1,000 daily average balance, or ELGA Perks sign-up; Earn Relationship Rewards points Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
ELGA Elite	0.15%	-	0.15%
Min Balance $1,000 Details Balance: $1,000.00-$4,999.99; Balances below $1,000 earn regular savings rate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
ELGA Elite	0.20%	-	0.20%
Min Balance $5,000 Details Balance: $5,000.00-$9,999.99; Balances below $1,000 earn regular savings rate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
ELGA Elite	0.25%	-	0.25%
Min Balance $10,000 Details Balance: $10,000.00-$24,999.99; Balances below $1,000 earn regular savings rate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
ELGA Elite	0.35%	-	0.35%
Min Balance $25,000 Details Balance: $25,000-$49,999.99; Balances below $1,000 earn regular savings rate Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
ELGA Elite	0.35%	-	0.35%
Min Balance $50,000 Details Balance: $50,000.00-$99,999.99; Balances below $1,000 earn regular savings rate Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
ELGA Elite	0.50%	-	0.50%
Min Balance $100,000 Details Balance: $100,000.00-$249,999.99; Balances below $1,000 earn regular savings rate Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
ELGA Elite	0.50%	-	0.50%
Min Balance $250,000 Details Balance: $250,000.00-$499,999.99; Balances below $1,000 earn regular savings rate Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
ELGA Elite	0.85%	-	0.85%
Min Balance $500,000 Details Balance: $500,000.00-$999,999.99; Balances below $1,000 earn regular savings rate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
ELGA Elite	1.00%	-	1.00%
Min Balance $1,000,000 Details Balance: $1,000,000+; Balances below $1,000 earn regular savings rate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Kasasa Saver - Non-Qualifying Savings	0.01%	-	0.01%
Min Deposit $0 Min Balance $0 Details Non-Qualifying; Requires accompanying Kasasa Checking account Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.01% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Kasasa Saver Savings	1.50%	-	1.51%
Min Deposit $0 Min Balance $0 Details Balance: $0.00 - $250,000.00; Requires accompanying Kasasa Checking account Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Save To Win	0.75%	-	0.75%	12-Month
Min Deposit $25 Min Balance $0 Details Balance: $0.00 - $24,999.99; Minimum Balance to Earn Dividends: $0.00 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 2.65% → 0.75% ▼ 1.90 pts · high 2.65% / low 0.75% Sep 18, 20260.75%▼ from 2.65% Sep 14, 20262.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Save To Win	0.10%	-	0.10%	12-Month
Min Deposit $25 Min Balance $25,000 Details Balance: $25,000.00 and over; Minimum Balance to Earn Dividends: $0.00 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Traditional IRA, Roth IRA & Coverdell ESA IRA Savings	0.50%	-	0.50%
Min Deposit $0 Min Balance $0 Details Balance: $0.00 - $9,999.99 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Traditional IRA, Roth IRA & Coverdell ESA IRA Savings	0.75%	-	0.75%
Min Deposit $0 Min Balance $10,000 Details Balance: $10,000.00 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 0.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Traditional IRA, Roth IRA & Coverdell ESA IRA Savings	1.00%	-	1.00%
Min Deposit $0 Min Balance $50,000 Details Balance: $50,000.00 - $199,999.99 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Traditional IRA, Roth IRA & Coverdell ESA IRA Savings	1.25%	-	1.25%
Min Deposit $0 Min Balance $200,000 Details Balance: $200,000.00 - $499,999.99 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 1.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Traditional IRA, Roth IRA & Coverdell ESA IRA Savings	1.50%	-	1.51%
Min Deposit $0 Min Balance $500,000 Details Balance: $500,000.00 and over Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 1.51% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Traditional, Roth & Coverdell ESA IRA Accounts	0.50%	-	0.50%
Min Deposit $0 Min Balance $0 Details Balance: $0.00-$9,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Traditional, Roth & Coverdell ESA IRA Accounts	0.75%	-	0.75%
Min Deposit $0 Min Balance $10,000 Details Balance: $10,000.00-$49,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Traditional, Roth & Coverdell ESA IRA Accounts	1.00%	-	1.00%
Min Deposit $0 Min Balance $50,000 Details Balance: $50,000.00-$199,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Traditional, Roth & Coverdell ESA IRA Accounts	1.25%	-	1.25%
Min Deposit $0 Min Balance $200,000 Details Balance: $200,000.00-$499,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Traditional, Roth & Coverdell ESA IRA Accounts	1.50%	-	1.51%
Min Deposit $0 Min Balance $500,000 Details Balance: $500,000.00 and over Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Vibe	0.10%	-	0.10%
Min Deposit $5 Min Balance $200 Details Balance: All Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

ELGA Credit Union’s Texas Ratio fell from 6.22% in Q3 2023 to 4.72% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$2.5B	4.72%	5.0	A+
March 31, 2026	$2.5B	3.92%	5.0	A+
December 31, 2025	$1.8B	5.25%	5.0	A+
September 30, 2025	$1.8B	4.95%	5.0	A+
June 30, 2025	$1.6B	5.34%	5.0	A+
March 31, 2025	$1.6B	4.78%	5.0	A+
December 31, 2024	$1.6B	6.40%	5.0	A
September 30, 2024	$1.5B	6.50%	5.0	A
June 30, 2024	$1.5B	6.17%	5.0	A
March 31, 2024	$1.5B	6.55%	5.0	A
December 31, 2023	$1.5B	7.63%	5.0	A
September 30, 2023	$1.5B	6.22%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for ELGA Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather ELGA Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with ELGA Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name ELGA Credit Union

Website https://www.elgacu.com

Address 6065 Grand Pointe Blvd, Grand Blanc, MI 48439

Phone 810-715-3542

Fax

President Harold Mott

CEO Terry Katzur

Full-Time Employees 426

Part-Time Employees 19

Branch Locations 23

ATM Locations 17

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.72%

Return on Assets (ROA)

0.4907%

Return on Equity (ROE)

2.7566%

Non-Performing Loans Ratio (NPL)

1.38%

Total Assets

2,498,921,108

Total Amount of Shares and Deposits

2,037,410,280

Total Shares and Deposits < 1 Year

2,009,222,483

Total Shares and Deposits 1 3 Years

23,611,870

Total Shares and Deposits > 3 Years

4,575,927

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

473,632,259

Total Uninsured Shares and Deposits > $250K (F+J)

473,632,259

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,563,778,021

Total Interest Expense (Sum of items 6 8)

18,622,959

Share Certificates

9,537

Number of Accounts for Share Drafts

90,456

IRA KEOGH Accounts

1,904

Number of Accounts for Regular Shares

160,168

All other shares

548

Non Member Deposits

123

Money Market Shares

28,171

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

328,654,125

Total Liabilities

2,235,230,785

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

ELGA Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews

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Frequently Asked Questions About ELGA Credit Union

Does ELGA Credit Union offer CDs?

Yes. ELGA Credit Union current CD rates include its 60 Month Regular CD at 3.45% APY, its Regular CD - 60-Month at 3.25% APY and its 48 Month Regular CD at 3.15% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from ELGA Credit Union NCUA insured?

Yes. ELGA Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at ELGA Credit Union?

The highest ELGA Credit Union CD rate is its 10-Month Promo CD at 4.00% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does ELGA Credit Union offer?

ELGA Credit Union CD rates are 2.65% APY for a 12 month CD, 2.70% APY for an 18 month CD, 2.75% APY for a 2 year CD, 3.05% APY for a 3 year CD, 3.15% APY for a 4 year CD and 3.45% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with ELGA Credit Union for its full lineup.

What is the highest savings rate at ELGA Credit Union?

The highest ELGA Credit Union savings rate is its Health Savings Account at 1.51% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at ELGA Credit Union?

The highest ELGA Credit Union money market rate is its Business Money Market Account at 3.30% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at ELGA Credit Union?

The highest ELGA Credit Union checking rate is its Business Basic Checking at 0.10% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest 30 year fixed mortgage rate at ELGA Credit Union?

The lowest ELGA Credit Union 30 year fixed mortgage rate is its 1st Mortgage Purchase or Refinance (Fannie Mae and Government Programs) - 30 Year Fixed at 7.375%, verified by MonitorBankRates as of October 29, 2026. ELGA Credit Union mortgage rates are 7.375% for a 30 year mortgage, 6.875% for a 20 year mortgage, 6.625% for a 15 year mortgage, 6.525% for a 10 year mortgage, 6.375% for a 3/1 ARM, 6.50% for a 5/1 ARM and 6.625% for a 7/1 ARM.

What is the lowest auto loan rate at ELGA Credit Union?

The lowest ELGA Credit Union auto loan rate is its Auto Loan at 5.50% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at ELGA Credit Union?

The lowest ELGA Credit Union personal loan rate is its Unsecured-Home Improvement Loans at 9.40% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at ELGA Credit Union?

The lowest ELGA Credit Union credit card APR is its Business Visa Credit Card at 11.75% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does ELGA Credit Union operate?

ELGA Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join ELGA Credit Union?

Yes, to access services at ELGA Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, ELGA Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, ELGA Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does ELGA Credit Union offer online and mobile banking?

Most modern institutions like ELGA Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.elgacu.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do ELGA Credit Union rates compare?

ELGA Credit Union's CD rates are 5% higher than the MonitorBankRates national average, and it has an A+ health rating. ELGA Credit Union's top rates are its 10-Month Promo CD at 4.00% APY, its Health Savings Account at 1.51% APY, its Business Money Market Account at 3.30% APY, its Kasasa Cash Checking at 6.17% APY, its ARM 1st Mortgage Purchase or Refinance ELGA Portfolio - 3/1 ARM at 6.375%, its Unsecured-Home Improvement Loans at 9.40% APR and its Business Visa Credit Card at 11.75% APR, verified by MonitorBankRates on October 29, 2026.

Current ELGA Credit Union Rates

12-Month CD2.65%
18-Month CD2.70%
24-Month CD2.75%
60-Month CD3.15%
Savings1.51%
MMA3.30%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

ELGA Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

ELGA Credit Union Texas Ratio

ELGA Credit Union Health Trend

ELGA Credit Union CD Rates

ELGA Credit Union Savings Rates

ELGA Credit Union Business Savings Rates

ELGA Credit Union Business Money Market Rates

ELGA Credit Union Checking Rates

ELGA Credit Union Business Checking Rates

ELGA Credit Union Mortgage Rates

ELGA Credit Union Home Equity & HELOC

ELGA Credit Union Auto Loan Rates

ELGA Credit Union RV, Boat and Powersport Loan Rates

ELGA Credit Union Credit Card Rates

ELGA Credit Union Personal Loan Rates

ELGA Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

ELGA Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About ELGA Credit Union

Does ELGA Credit Union offer CDs?

Are CDs from ELGA Credit Union NCUA insured?

What is the highest CD rate at ELGA Credit Union?

What CD terms does ELGA Credit Union offer?

What is the highest savings rate at ELGA Credit Union?

What is the highest money market rate at ELGA Credit Union?

What is the highest checking rate at ELGA Credit Union?

What is the lowest 30 year fixed mortgage rate at ELGA Credit Union?

What is the lowest auto loan rate at ELGA Credit Union?

What is the lowest personal loan rate at ELGA Credit Union?

What is the lowest credit card APR at ELGA Credit Union?

How many branches does ELGA Credit Union operate?

Is a member application needed to join ELGA Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does ELGA Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do ELGA Credit Union rates compare?

Current ELGA Credit Union Rates

Compare to Other Credit Unions