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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 ELGA Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 25, 2026
ELGA Credit Union's 10 Month Promo CD rates are at 4.00%, 10 Month Roth IRA Promo CD rates are at 4.00%, 10 Month Traditional IRA Promo CD rates are at 4.00%, CD, Traditional IRA CD & Roth IRA CD Accounts 72 Month rates are at 3.51%, CD, Traditional IRA CD & Roth IRA CD Accounts 60 Month rates are at 3.45%. ELGA Credit Union's savings rates are at 0.75%. ELGA Credit Union's money market rates are at 1.51%. ELGA Credit Union's 1st Mortgage Purchase or Refinance ELGA Portfolio 15 Year Fixed rates are at 5.88%, 1st Mortgage Purchase or Refinance ELGA Portfolio 10 Year Fixed rates are at 5.78%, 1st Mortgage Purchase or Refinance ELGA Portfolio 20 Year Fixed rates are at 6.12%, 10 Year Fixed rates are at 6.00%, 1st Mortgage Purchase or Refinance ELGA Portfolio 15 Year Balloon - 30 Year Payment rates are at 6.38%. ELGA Credit Union's Personal Loan Rates are at 11.40%. 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 5.21%. Rates were last updated on 03/25/2026. 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. 
ELGA Credit Union CD Rates
ELGA Credit Union Savings Rates
ELGA Credit Union Money Market Rates
ELGA Credit Union Mortgage Rates
ELGA Credit Union Home Equity & HELOC
ELGA Credit Union Credit Card Rates
ELGA Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates 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
339
Part-Time Employees
15
Branch Locations
17
ATM Locations
17
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.21%
Return on Assets (ROA)
1.2119%
Return on Equity (ROE)
4.9779%
Non-Performing Loans Ratio (NPL)
1.86%
Total Assets
1,762,415,556
Total Amount of Shares and Deposits
1,316,997,066
Total Shares and Deposits < 1 Year
1,205,628,058
Total Shares and Deposits 1 3 Years
107,536,992
Total Shares and Deposits > 3 Years
3,832,014
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
174,666,929
Total Uninsured Shares and Deposits > $250K (F+J)
174,666,929
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,142,330,137
Total Interest Expense (Sum of items 6 8)
19,825,044
Share Certificates
7,764
Number of Accounts for Share Drafts
79,122
IRA KEOGH Accounts
1,739
Number of Accounts for Regular Shares
147,667
All other shares
258
Non Member Deposits
125
Money Market Shares
26,394
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
200,340,474
Total Liabilities
1,513,270,185
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About ELGA Credit UnionIs ELGA Credit Union a safe place to deposit money?Yes, ELGA Credit Union is considered a safe financial institution. With a Texas Ratio of 5.2082056468931%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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. Current ELGA Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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