What are the current interest rates at ELGA Credit Union?

Current rates for ELGA Credit Union include: 12-Month CD: 0.10%, 18-Month CD: 2.70%, 24-Month CD: 2.75%, 60-Month CD: 3.15%, Savings: 0.75%, MMA: 1.51%

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ELGA Credit Union

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ELGA Credit Union Rates & Review September 2026

Q: 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.

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 22, 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%, Traditional 10-Month Promo CD rates are at 4.00%, 60 Month CD 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 ARM 1st Mortgage Purchase or Refinance ELGA Portfolio rates are at 6.12%, ARM 1st Mortgage Purchase or Refinance ELGA Portfolio rates are at 6.25%, ARM 1st Mortgage Purchase or Refinance ELGA Portfolio rates are at 6.38%, 1st Mortgage Purchase or Refinance ELGA Portfolio - 15 Year Fixed rates are at 6.50%, 1st Mortgage Purchase or Refinance ELGA Portfolio - 10 Year Fixed rates are at 6.40%. ELGA Credit Union's Personal Loan Rates are as low as 9.40%. ELGA Credit Union's Credit Card Rates are at 11.75%. 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 3.92%. Rates last updated and verified on 09/22/2026.

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

3.92%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

ELGA Credit Union
Burton

2303 S Center Rd
Burton, MI 48519-1147

https://www.elgacu.com

ELGA Credit Union CD Rates

Product	Rate	APY	Term
10-Month Promo CD	3.93%	4.00%	10-Month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
10-Month Roth IRA Promo CD	3.93%	4.00%	10-Month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
10-Month Traditional IRA Promo CD	3.93%	4.00%	10-Month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
Traditional 10-Month Promo CD	3.93%	4.00%	10-Month
Details CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
60 Month Certificate	3.40%	3.45%	60-Month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
60 Month Traditional CD	3.40%	3.45%	60-Month
Details CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
60 Month Certificate	3.30%	3.35%	60-Month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
60 Month Traditional CD	3.30%	3.35%	60-Month
Details CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
60 Month Traditional CD	3.20%	3.25%	60-Month
Details CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
60 Month Certificate	3.15%	3.20%	60-Month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
60 Month Traditional CD	3.15%	3.20%	60-Month
Details CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
48 Month Certificate	3.11%	3.15%	48-Month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
48 Month Traditional CD	3.11%	3.15%	48-Month
Details CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
60 Month Traditional CD	3.11%	3.15%	60-Month
Details CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
48 Month Certificate	3.06%	3.10%	48-Month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
48 Month Traditional CD	3.06%	3.10%	48-Month
Details CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
36 Month Certificate	3.01%	3.05%	36-Month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
36 Month Traditional CD	3.01%	3.05%	36-Month
Details CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
48 Month Traditional CD	3.01%	3.05%	48-Month
Details CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
36 Month Certificate	2.96%	3.00%	36-Month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
36 Month Traditional CD	2.96%	3.00%	36-Month
Details CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
48 Month Certificate	2.96%	3.00%	48-Month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
48 Month Traditional CD	2.96%	3.00%	48-Month
Details CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
24 Month Certificate	2.91%	2.95%	24-Month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
24 Month Traditional CD	2.91%	2.95%	24-Month
Details CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
36 Month Traditional CD	2.91%	2.95%	36-Month
Details CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
48 Month Traditional CD	2.91%	2.95%	48-Month
Details CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
18 Month Certificate	2.86%	2.90%	18-Month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
18 Month Traditional CD	2.86%	2.90%	18-Month
Details CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
24 Month Certificate	2.86%	2.90%	24-Month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
24 Month Traditional CD	2.86%	2.90%	24-Month
Details CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
36 Month Certificate	2.86%	2.90%	36-Month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
36 Month Traditional CD	2.86%	2.90%	36-Month
Details CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
12 Month Certificate	2.81%	2.85%	12-Month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
12 Month Traditional CD	2.81%	2.85%	12-Month
Details CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
18 Month Certificate	2.81%	2.85%	18-Month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
18 Month Traditional CD	2.81%	2.85%	18-Month
Details CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
24 Month Traditional CD	2.81%	2.85%	24-Month
Details CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
36 Month Traditional CD	2.81%	2.85%	36-Month
Details CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
9 Month Certificate	2.78%	2.82%	9-Month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
9 Month Traditional CD	2.78%	2.82%	9-Month
Details CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
12 Month Certificate	2.76%	2.80%	12-Month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
12 Month Traditional CD	2.76%	2.80%	12-Month
Details CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
18 Month Traditional CD	2.76%	2.80%	18-Month
Details CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
24 Month Certificate	2.76%	2.80%	24-Month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
24 Month Traditional CD	2.76%	2.80%	24-Month
Details CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
6 Month Certificate	2.76%	2.80%	6-Month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
6 Month Traditional CD	2.76%	2.80%	6-Month
Details CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
9 Month Certificate	2.74%	2.77%	9-Month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
9 Month Traditional CD	2.74%	2.77%	9-Month
Details CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
12 Month Traditional CD	2.72%	2.75%	12-Month
Details CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
18 Month Certificate	2.72%	2.75%	18-Month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
18 Month Traditional CD	2.72%	2.75%	18-Month
Details CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
24 Month Traditional CD	2.72%	2.75%	24-Month
Details CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
6 Month Certificate	2.72%	2.75%	6-Month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
6 Month Traditional CD	2.72%	2.75%	6-Month
Details CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
9 Month Traditional CD	2.69%	2.72%	9-Month
Details CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
12 Month Certificate	2.67%	2.70%	12-Month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
12 Month Traditional CD	2.67%	2.70%	12-Month
Details CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
18 Month Traditional CD	2.67%	2.70%	18-Month
Details CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
6 Month Traditional CD	2.67%	2.70%	6-Month
Details CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
9 Month Certificate	2.64%	2.67%	9-Month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
9 Month Traditional CD	2.64%	2.67%	9-Month
Details CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
12 Month Traditional CD	2.62%	2.65%	12-Month
Details CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
6 Month Certificate	2.62%	2.65%	6-Month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
6 Month Traditional CD	2.62%	2.65%	6-Month
Details CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
9 Month Traditional CD	2.59%	2.62%	9-Month
Details CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
6 Month Traditional CD	2.58%	2.60%	6-Month
Details CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
3 Month Certificate	2.23%	2.25%	3-Month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
3 Month Traditional CD	2.23%	2.25%	3-Month
Details CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
3 Month Certificate	2.18%	2.20%	3-Month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
3 Month Traditional CD	2.18%	2.20%	3-Month
Details CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
3 Month Traditional CD	2.13%	2.15%	3-Month
Details CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
3 Month Certificate	2.08%	2.10%	3-Month
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
3 Month Traditional CD	2.08%	2.10%	3-Month
Details CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
3 Month Traditional CD	2.03%	2.05%	3-Month
Details CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
Traditional 12-Month Certificate	0.75%	0.75%	12 months
Min Balance $0 Details Balance: $0.00 - $24,999.99; CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
Traditional 12-Month Certificate	0.10%	0.10%	12 months
Min Balance $25,000 Details Balance: $25,000.00 and over; CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%

ELGA Credit Union Savings Rates

Product	Rate	APY
Health Savings Account	1.50%	1.51%
Min Balance $10,000 Details Balance: $10,000 + Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
Health Savings Account	1.25%	1.25%
Min Balance $1,000 Details Balance: $1,000-$9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
Health Savings Account	0.75%	0.75%
Min Balance $200 Details Balance: $200.00-$999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
Christmas Club	0.15%	0.15%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
Super Saver Club	0.15%	0.15%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%

ELGA Credit Union Money Market Rates

Product	Rate	APY
Business Money Market Account	3.25%	3.30%
Min Balance $25,000 Details Balance: $25,000.00 and up Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
Business Money Market Account	1.50%	1.51%
Min Balance $10,000 Details Balance: $10,000.00-$24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%

ELGA Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
ARM 1st Mortgage Purchase or Refinance ELGA Portfolio	6.13%	0.000	6.33%	3/1 ARM
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
ARM 1st Mortgage Purchase or Refinance ELGA Portfolio	6.25%	0.000	6.46%	5/1 ARM
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
ARM 1st Mortgage Purchase or Refinance ELGA Portfolio	6.38%	0.000	6.58%	7/1 ARM
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
1st Mortgage Purchase or Refinance ELGA Portfolio - 15 Year Fixed	6.50%	0.000	6.85%	15 Year
Details As low as 6.500% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
1st Mortgage Purchase or Refinance ELGA Portfolio - 10 Year Fixed	6.40%	0.000	6.89%	10 Year
Details As low as 6.400% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
1st Mortgage Purchase or Refinance ELGA Portfolio - 20 Year Fixed	6.75%	0.000	7.03%	20 Year
Details As low as 6.750% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
Investment Property ARM 1st Mortgage Purchase or Refinance ELGA Portfolio - 3/1 ARM	6.88%	0.000	7.09%	3/1 ARM
Details As low as 6.875% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
Investment Property ARM 1st Mortgage Purchase or Refinance ELGA Portfolio - 5/1 ARM	7.00%	0.000	7.22%	5/1 ARM
Details As low as 7.000% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
Investment Property ARM 1st Mortgage Purchase or Refinance ELGA Portfolio - 7/1 ARM	7.13%	0.000	7.34%	7/1 ARM
Details As low as 7.125% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
1st Mortgage Purchase or Refinance (Fannie Mae and Government Programs) - 15 Year Fixed	7.00%	0.000	7.35%	15 Year
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
1st Mortgage Purchase or Refinance (Fannie Mae and Government Programs) - 10 Year Fixed	6.88%	0.125	7.39%	10 Year
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
1st Mortgage Purchase or Refinance (Fannie Mae and Government Programs) - 30 Year Fixed	7.13%	0.625	7.41%	30 Year
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
1st Mortgage Purchase or Refinance (Fannie Mae and Government Programs) - 20 Year Fixed	7.25%	0.000	7.53%	20 Year
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
Investment Property 1st Mortgage Purchase or Refinance ELGA Portfolio - 15 Year Fixed	7.75%	0.000	8.11%	15 Year
Details As low as 7.750% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
Investment Property 1st Mortgage Purchase or Refinance ELGA Portfolio - 10 Year Fixed	7.65%	0.000	8.15%	10 Year
Details As low as 7.650% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
Investment Property 1st Mortgage Purchase or Refinance ELGA Portfolio - 20 Year Fixed	8.00%	0.000	8.29%	20 Year
Details As low as 8.000% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
Investment Property 1st Mortgage Purchase or Refinance ELGA Portfolio - 15 Year Balloon - 30 Year Payment	8.25%	0.000	8.48%	15 Year
Details As low as 8.250% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%

ELGA Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit (HELOC)	6.50%	-	6.50%
Details As low as 6.500% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
Home Equity Closed End	6.50%	-	6.75%	5 Year
Details As low as; Rate: 6.500% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
Home Equity Closed End	7.74%	-	8.04%	10 Year
Details As low as; Rate: 7.740% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
Home Equity Closed End	8.74%	-	8.96%	15 Year
Details As low as; Rate: 8.740% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%

ELGA Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Classic Auto	-	-	5.50%	Up to 72 months
Details As low as* Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%

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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
Boats, RVs, and Airplanes Loan	-	6.75%	61 - 84 months
Details As Low As; Loan Amount: $10,000 - $19,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
Boats, RVs, and Airplanes Loan	-	7.00%	85 - 144 months
Details As Low As; Loan Amount: $20,000 - $29,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
Boats, RVs, and Airplanes Loan	-	7.25%	145 - 180 months
Details As Low As; Loan Amount: $30,000 & Over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
Boats, RVs, and Airplanes Loan	-	7.50%	181 - 240 months
Details As Low As; Loan Amount: $60,000 & Over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%

ELGA Credit Union Credit Card Rates

Product	Rate	APR
Business Visa Credit Card	-	11.75%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
Visa Smart Rate	-	11.75%
Details As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
Visa Cash Back	-	13.75%
Details As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
Visa Rewards	-	13.75%
Details As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%

ELGA Credit Union Personal Loan Rates

Product	APR	Term
Unsecured Home Improvement Loan	9.40%	1-60 Months
Details As low as; Unsecured Home Improvement Loan - Min Loan Amount $5,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
Unsecured Home Improvement Loan	10.40%	61-84 Months
Details As low as; Unsecured Home Improvement Loan - Min Loan Amount $5,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%

ELGA Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
15 Year Balloon - 30 Year Payment Loan	7.00%	0.000	7.22%	15 Year
Details As low as 7.000% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
Vacant Land Loan	8.00%	0.000	8.23%
Details As low as 8.000% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
BAMM! Account	6.00%	-	6.17%
Min Deposit $25,000 Min Balance $25,000 Details Qualifications Required: To earn the Qualifying Rate, you must have a checking account with an average daily balance of $5,000 monthly OR an ELGA VISA Credit Card with monthly purchases totaling $2,500 or more in the calendar month. The checking account or ELGA VISA Credit Card must be held under the same account number as the BAMM! Account. If neither of these is attained in a calendar month, the rate will default to the Standard Rate until the next qualification cycle. Business accounts are excluded from this offer. Balance transfers and cash advances on the ELGA VISA Credit Card do not count toward the qualifying monthly purchase totals. Credit vouchers for returns will reduce your purchase total for the month.; To earn the Qualifying Rate, you must have a checking account with an average daily balance of $5,000 monthly OR an ELGA VISA Credit Card with monthly purchases totaling $2,500 or more in the calendar month. The checking account or ELGA VISA Credit Card must be held under the same account number as the BAMM! Account. If neither of these is attained in a calendar month, the rate will default to the Standard Rate until the next qualification cycle. Business accounts are excluded from this offer. Balance transfers and cash advances on the ELGA VISA Credit Card do not count toward the qualifying monthly purchase totals. Credit vouchers for returns will reduce your purchase total for the month. Rates are variable and may change after the account is opened. Dividends compounded and credited monthly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
BAMM! Qualifier	3.00%	-	3.05%
Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
BAMM! Qualifier	3.25%	-	3.30%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
BAMM! Qualifier	3.50%	-	3.56%
Min Balance $250,000 Details Balance: $250,000.00 or Greater Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
BAMM! Standard	1.70%	-	1.71%
Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
BAMM! Standard	1.85%	-	1.87%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
BAMM! Standard	2.00%	-	2.02%
Min Balance $250,000 Details Balance: $250,000.00 or Greater Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
Basic Cash	0.10%	-	0.10%
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
Basic Cash	-	-	0.10%
Details Qualifications Required: 10 debit card purchases post and settle; eStatements enrollment; age 65 or older; $1,000 daily average balance; ELGA Perks enrollment; $3 monthly fee. Avoid fee Earn Relationship Rewards points. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
ELGA Elite	0.15%	-	0.15%
Min Balance $1,000 Details Balance: $1,000.00-$4,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
ELGA Elite	0.20%	-	0.20%
Min Balance $5,000 Details Balance: $5,000.00-$9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
ELGA Elite	0.25%	-	0.25%
Min Balance $10,000 Details Balance: $10,000.00-$24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
ELGA Elite	0.35%	-	0.35%
Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
ELGA Elite	0.35%	-	0.35%
Min Balance $50,000 Details Balance: $50,000.00-$99,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
ELGA Elite	0.50%	-	0.50%
Min Balance $100,000 Details Balance: $100,000.00-$249,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
ELGA Elite	0.50%	-	0.50%
Min Balance $250,000 Details Balance: $250,000.00-$499,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
ELGA Elite	0.85%	-	0.85%
Min Balance $500,000 Details Balance: $500,000.00-$999,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
ELGA Elite	1.00%	-	1.00%
Min Balance $1,000,000 Details Balance: $1,000,000+ Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
Kasasa Cash Checking	0.01%	-	0.01%
Details Non-Qualifying Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
Kasasa Saver Savings	1.50%	-	1.51%
Min Balance $0 Details Balance: $0.00-$250,000.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
Kasasa Saver Savings	0.01%	-	0.01%
Details Non-Qualifying Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
Membership Share	0.10%	-	0.10%
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
Save To Win	0.75%	-	0.75%	12 months
Min Deposit $25 Min Balance $0 Details Term: 12-Month $0.00 - $24,999.99; Balance: $0.00 - $24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
Save To Win	0.10%	-	0.10%	12 months
Min Deposit $25 Min Balance $25,000 Details Term: 12-Month $25,000.00 and over; Balance: $25,000.00 and over Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
Save To Win	2.03%	-	2.05%	3-Month
Min Deposit $25 Min Balance $0 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
Save To Win	2.58%	-	2.60%	6-Month
Min Deposit $25 Min Balance $0 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
Save To Win	2.59%	-	2.62%	9-Month
Min Deposit $25 Min Balance $0 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
Save To Win	2.62%	-	2.65%	12-Month
Min Deposit $25 Min Balance $0 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
Save To Win	2.67%	-	2.70%	18-Month
Min Deposit $25 Min Balance $0 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
Save To Win	2.72%	-	2.75%	24-Month
Min Deposit $25 Min Balance $0 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
Save To Win	2.81%	-	2.85%	36-Month
Min Deposit $25 Min Balance $0 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
Save To Win	2.91%	-	2.95%	48-Month
Min Deposit $25 Min Balance $0 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
Save To Win	3.11%	-	3.15%	60-Month
Min Deposit $25 Min Balance $0 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
Save To Win	3.15%	-	3.20%	72-Month
Min Deposit $25 Min Balance $0 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
Save To Win	0.50%	-	0.50%
Min Deposit $25 Min Balance $0 Details Balance: $0.00-$9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
Save To Win	0.75%	-	0.75%
Min Deposit $25 Min Balance $10,000 Details Balance: $10,000.00-$49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
Save To Win	1.00%	-	1.00%
Min Deposit $25 Min Balance $50,000 Details Balance: $50,000.00-$199,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
Save To Win	1.25%	-	1.25%
Min Deposit $25 Min Balance $200,000 Details Balance: $200,000.00-$499,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
Save To Win	1.50%	-	1.51%
Min Deposit $25 Min Balance $500,000 Details Balance: $500,000.00 + Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
Traditional, Roth & Coverdell ESA IRA Accounts	0.50%	-	0.50%
Min Balance $0 Details Balance: $0.00-$9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
Traditional, Roth & Coverdell ESA IRA Accounts	0.75%	-	0.75%
Min Balance $10,000 Details Balance: $10,000.00-$49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
Traditional, Roth & Coverdell ESA IRA Accounts	1.00%	-	1.00%
Min Balance $50,000 Details Balance: $50,000.00-$199,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
Traditional, Roth & Coverdell ESA IRA Accounts	1.25%	-	1.25%
Min Balance $200,000 Details Balance: $200,000.00-$499,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
Traditional, Roth & Coverdell ESA IRA Accounts	1.50%	-	1.51%
Min Balance $500,000 Details Balance: $500,000.00 + Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
Vibe	0.10%	-	0.10%
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%
Vibe	-	-	0.10%
Details Account for youth and young adults ages 14-25. Earn Relationship Rewards points. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.92%

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 6.18% in Q2 2023 to 3.92% in Q1 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
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
June 30, 2023	$1.4B	6.18%	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 2303 S Center Rd, Burton, MI 48519-1147

Phone 810-715-3542

Fax

President Harold Mott

CEO Terry Katzur

Full-Time Employees 421

Part-Time Employees 21

Branch Locations 18

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

3.92%

Return on Assets (ROA)

0.2307%

Return on Equity (ROE)

1.2979%

Non-Performing Loans Ratio (NPL)

1.13%

Total Assets

2,465,859,856

Total Amount of Shares and Deposits

2,004,523,563

Total Shares and Deposits < 1 Year

1,951,377,682

Total Shares and Deposits 1 3 Years

48,991,338

Total Shares and Deposits > 3 Years

4,154,541

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

436,867,361

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

436,867,361

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

1,567,656,202

Total Interest Expense (Sum of items 6 8)

8,209,219

Share Certificates

9,249

Number of Accounts for Share Drafts

90,224

IRA KEOGH Accounts

1,872

Number of Accounts for Regular Shares

151,275

All other shares

554

Non Member Deposits

121

Money Market Shares

27,790

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)

224,722,834

Total Liabilities

2,206,997,153

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

ELGA Credit Union earned the Verified Healthy badge

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About ELGA Credit Union

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

12-Month CD0.10%
18-Month CD2.70%
24-Month CD2.75%
60-Month CD3.15%
Savings0.75%
MMA1.51%

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

Compare to Other Credit Unions

ELGA Credit Union Rates & Review September 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 Money Market 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

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?

Current ELGA Credit Union Rates

Compare to Other Credit Unions