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%

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ELGA Credit Union

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ELGA Credit Union Rates & Review October 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: October 13, 2026

ELGA Credit Union's top rates as of October 13, 2026 are 4.00% APY on its 10-Month Promo CD, 1.51% APY on savings, 3.30% APY on money market accounts, 0.10% APY on checking, 6.38% on its ARM 1st Mortgage Purchase or Refinance ELGA Portfolio - 3/1 ARM, personal loans from 9.40% APR, and credit cards from 11.75% APR, according to rates verified by MonitorBankRates. Other ELGA Credit Union CD rates include 10-Month Roth IRA Promo CD at 4.00%, 10-Month Traditional IRA Promo CD at 4.00%, and 60 Month Regular CD at 3.45%. Other ELGA Credit Union mortgage rates include ARM 1st Mortgage Purchase or Refinance ELGA Portfolio - 5/1 ARM at 6.50%, ARM 1st Mortgage Purchase or Refinance ELGA Portfolio - 7/1 ARM at 6.62%, and 1st Mortgage Purchase or Refinance ELGA Portfolio - 15 Year Fixed at 6.75%. 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 4.72%. Rates last updated and verified on 10/13/2026.

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 Q2 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 Details Promotional CD - Minimum Opening Balance: $1,000.00; Dividends compounded and credited quarterly; CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
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 10/13/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 6 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 10/13/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 6 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 10/13/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 6 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; Dividends compounded and credited monthly Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.45% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
60 Month Traditional CD	3.40%	3.45%	60-Month
Min Deposit $1,000 Min Balance $500,000 Details Balance: $500,000.00 and over; Applies to CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
60 Month Regular CD / Traditional IRA CD & Roth IRA CD	3.30%	3.35%	60-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $250,000.00 - $499,999.99; Dividends compounded and credited monthly Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.35% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
60 Month Traditional CD	3.30%	3.35%	60-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $250,000.00 - $499,999.99; Also available as Traditional IRA CD and Roth IRA CD; CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
60 Month Regular CD / Traditional IRA CD & Roth IRA CD	3.20%	3.25%	60-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
60 Month Traditional CD	3.20%	3.25%	60-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $100,000.00 - $249,999.99; Also listed under Traditional IRA CD & Roth IRA CD Accounts; CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 4 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; applies to Regular CD / Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
60 Month Traditional CD	3.15%	3.20%	60-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $30,000.00 - 99,999.99; Applies to CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/13/2026 Rate History No change since Sep 14, 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; Dividends compounded and credited monthly Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
48 Month Traditional CD	3.11%	3.15%	48-Month
Min Deposit $1,000 Min Balance $500,000 Details Balance: $500,000.00 and over; Applies to CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
60 Month Regular CD / Traditional IRA CD & Roth IRA CD Accounts	3.11%	3.15%	60-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $29,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Traditional 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; Applies to CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.35% → 3.15% ▼ 0.20 pts · high 3.35% / low 3.15% Oct 13, 20263.15%▼ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
48 Month Regular CD / Traditional IRA CD & Roth IRA CD	3.06%	3.10%	48-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $250,000.00 - $499,999.99; Dividends compounded and credited monthly Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
48 Month Traditional CD	3.06%	3.10%	48-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $250,000.00 - $499,999.99; Also available as Traditional IRA CD and Roth IRA CD; CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 4 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; Dividends compounded and credited monthly Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
36 Month Traditional CD	3.01%	3.05%	36-Month
Min Deposit $1,000 Min Balance $500,000 Details Balance: $500,000.00 and over; Applies to CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
48 Month Regular CD / Traditional IRA CD & Roth IRA CD	3.01%	3.05%	48-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
48 Month Traditional CD	3.01%	3.05%	48-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $100,000.00 - $249,999.99; Also listed under Traditional IRA CD & Roth IRA CD Accounts; CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
36 Month Regular CD / Traditional IRA CD & Roth IRA CD	2.96%	3.00%	36-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $250,000.00 - $499,999.99; Dividends compounded and credited monthly Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
36 Month Traditional CD	2.96%	3.00%	36-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $250,000.00 - $499,999.99; Also available as Traditional IRA CD and Roth IRA CD; CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 4 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; applies to Regular CD / Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
48 Month Traditional CD	2.96%	3.00%	48-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $30,000.00 - 99,999.99; Applies to CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/13/2026 Rate History No change since Sep 14, 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; Dividends compounded and credited monthly Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.95% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
24 Month Traditional CD	2.91%	2.95%	24-Month
Min Deposit $1,000 Min Balance $500,000 Details Balance: $500,000.00 and over; Applies to CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.95% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
36 Month Regular CD / Traditional IRA CD & Roth IRA CD	2.91%	2.95%	36-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.95% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
36 Month Traditional CD	2.91%	2.95%	36-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $100,000.00 - $249,999.99; Also listed under Traditional IRA CD & Roth IRA CD Accounts; CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.95% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
48 Month Regular CD / Traditional IRA CD & Roth IRA CD Accounts	2.91%	2.95%	48-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $29,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.95% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Traditional 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; Applies to CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.10% → 2.95% ▼ 0.15 pts · high 3.10% / low 2.95% Oct 13, 20262.95%▼ from 3.10% Sep 14, 20263.10%first recorded 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; Dividends compounded and credited monthly Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.90% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
18 Month Traditional CD	2.86%	2.90%	18-Month
Min Deposit $1,000 Min Balance $500,000 Details Balance: $500,000.00 and over; Applies to CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
24 Month Regular CD / Traditional IRA CD & Roth IRA CD	2.86%	2.90%	24-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $250,000.00 - $499,999.99; Dividends compounded and credited monthly Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.90% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
24 Month Traditional CD	2.86%	2.90%	24-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $250,000.00 - $499,999.99; Also available as Traditional IRA CD and Roth IRA CD; CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.90% APY · checked 4 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; applies to Regular CD / Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.90% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
36 Month Traditional CD	2.86%	2.90%	36-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $30,000.00 - 99,999.99; Applies to CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/13/2026 Rate History No change since Sep 14, 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; Dividends compounded and credited monthly Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
12 Month Traditional CD	2.81%	2.85%	12-Month
Min Deposit $1,000 Min Balance $500,000 Details Balance: $500,000.00 and over; Applies to CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
18 Month Regular CD / Traditional IRA CD & Roth IRA CD	2.81%	2.85%	18-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $250,000.00 - $499,999.99; Dividends compounded and credited monthly Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
18 Month Traditional CD	2.81%	2.85%	18-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $250,000.00 - $499,999.99; Also available as Traditional IRA CD and Roth IRA CD; CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
24 Month Regular CD / Traditional IRA CD & Roth IRA CD	2.81%	2.85%	24-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
24 Month Traditional CD	2.81%	2.85%	24-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $100,000.00 - $249,999.99; Also listed under Traditional IRA CD & Roth IRA CD Accounts; CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
36 Month Regular CD / Traditional IRA CD & Roth IRA CD Accounts	2.81%	2.85%	36-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $29,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Traditional 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; Applies to CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.00% → 2.85% ▼ 0.15 pts · high 3.00% / low 2.85% Oct 13, 20262.85%▼ from 3.00% Sep 14, 20263.00%first recorded 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; Dividends compounded and credited monthly Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.82% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
9 Month Traditional CD	2.78%	2.82%	9-Month
Min Deposit $1,000 Min Balance $500,000 Details Balance: $500,000.00 and over; Applies to CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.82% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
12 Month Regular CD / Traditional IRA CD & Roth IRA CD	2.76%	2.80%	12-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $250,000.00 - $499,999.99; Dividends compounded and credited monthly Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
12 Month Traditional CD	2.76%	2.80%	12-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $250,000.00 - $499,999.99; Also available as Traditional IRA CD and Roth IRA CD; CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.80% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
18 Month Regular CD / Traditional IRA CD & Roth IRA CD	2.76%	2.80%	18-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
18 Month Traditional CD	2.76%	2.80%	18-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $100,000.00 - $249,999.99; Also listed under Traditional IRA CD & Roth IRA CD Accounts; CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.80% APY · checked 4 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; applies to Regular CD / Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
24 Month Traditional CD	2.76%	2.80%	24-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $30,000.00 - 99,999.99; Applies to CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/13/2026 Rate History No change since Sep 14, 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; Dividends compounded and credited monthly Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
6 Month Traditional CD	2.76%	2.80%	6-Month
Min Deposit $1,000 Min Balance $500,000 Details Balance: $500,000.00 and over; Applies to CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.80% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
9 Month Regular CD / Traditional IRA CD & Roth IRA CD	2.74%	2.77%	9-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $250,000.00 - $499,999.99; Dividends compounded and credited monthly Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.77% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
9 Month Traditional CD	2.74%	2.77%	9-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $250,000.00 - $499,999.99; Also available as Traditional IRA CD and Roth IRA CD; CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.77% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
12 Month Regular CD / Traditional IRA CD & Roth IRA CD	2.72%	2.75%	12-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
12 Month Traditional CD	2.72%	2.75%	12-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $100,000.00 - $249,999.99; Also listed under Traditional IRA CD & Roth IRA CD Accounts; CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 4 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; applies to Regular CD / Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
18 Month Traditional CD	2.72%	2.75%	18-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $30,000.00 - 99,999.99; Applies to CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
24 Month Regular CD / Traditional IRA CD & Roth IRA CD Accounts	2.72%	2.75%	24-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $29,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
6 Month Regular CD / Traditional IRA CD & Roth IRA CD	2.72%	2.75%	6-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $250,000.00 - $499,999.99; Dividends compounded and credited monthly Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
6 Month Traditional CD	2.72%	2.75%	6-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $250,000.00 - $499,999.99; Also available as Traditional IRA CD and Roth IRA CD; CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Traditional 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; Applies to CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 2.90% → 2.75% ▼ 0.15 pts · high 2.90% / low 2.75% Oct 13, 20262.75%▼ from 2.90% Sep 14, 20262.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
9 Month Regular CD / Traditional IRA CD & Roth IRA CD	2.69%	2.72%	9-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.72% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
9 Month Traditional CD	2.69%	2.72%	9-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $100,000.00 - $249,999.99; Also listed under Traditional IRA CD & Roth IRA CD Accounts; CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.72% APY · checked 4 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; applies to Regular CD / Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.70% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
12 Month Traditional CD	2.67%	2.70%	12-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $30,000.00 - 99,999.99; Applies to CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
18 Month Regular CD / Traditional IRA CD & Roth IRA CD Accounts	2.67%	2.70%	18-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $29,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.70% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
6 Month Regular CD / Traditional IRA CD & Roth IRA CD	2.67%	2.70%	6-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.70% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
6 Month Traditional CD	2.67%	2.70%	6-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $100,000.00 - $249,999.99; Also listed under Traditional IRA CD & Roth IRA CD Accounts; CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Traditional 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; Applies to CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 2.85% → 2.70% ▼ 0.15 pts · high 2.85% / low 2.70% Oct 13, 20262.70%▼ from 2.85% Sep 14, 20262.85%first recorded 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; applies to Regular CD / Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.67% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
9 Month Traditional CD	2.64%	2.67%	9-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $30,000.00 - 99,999.99; Applies to CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.67% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
12 Month Regular CD / Traditional IRA CD & Roth IRA CD Accounts	2.62%	2.65%	12-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $29,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.65% APY 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; applies to Regular CD / Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.65% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
6 Month Traditional CD	2.62%	2.65%	6-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $30,000.00 - 99,999.99; Applies to CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.65% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Traditional 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; Applies to CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 2.80% → 2.65% ▼ 0.15 pts · high 2.80% / low 2.65% Oct 13, 20262.65%▼ from 2.80% Sep 14, 20262.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
9 Month Regular CD / Traditional IRA CD & Roth IRA CD Accounts	2.59%	2.62%	9-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $29,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.62% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Traditional 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; Applies to CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 2.77% → 2.62% ▼ 0.15 pts · high 2.77% / low 2.62% Oct 13, 20262.62%▼ from 2.77% Sep 14, 20262.77%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
6 Month Regular CD / Traditional IRA CD & Roth IRA CD Accounts	2.58%	2.60%	6-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $29,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.60% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Traditional 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; Applies to CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 2.75% → 2.60% ▼ 0.15 pts · high 2.75% / low 2.60% Oct 13, 20262.60%▼ from 2.75% Sep 14, 20262.75%first recorded 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; Dividends compounded and credited monthly Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
3 Month Traditional CD	2.23%	2.25%	3-Month
Min Deposit $1,000 Min Balance $500,000 Details Balance: $500,000.00 and over; Applies to CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
3 Month Regular CD / Traditional IRA CD & Roth IRA CD	2.18%	2.20%	3-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $250,000.00 - $499,999.99; Dividends compounded and credited monthly Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
3 Month Traditional CD	2.18%	2.20%	3-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $250,000.00 - $499,999.99; Also available as Traditional IRA CD and Roth IRA CD; CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
3 Month Regular CD / Traditional IRA CD & Roth IRA CD	2.13%	2.15%	3-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
3 Month Traditional CD	2.13%	2.15%	3-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $100,000.00 - $249,999.99; Also listed under Traditional IRA CD & Roth IRA CD Accounts; CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.15% APY · checked 4 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; applies to Regular CD / Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
3 Month Traditional CD	2.08%	2.10%	3-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $30,000.00 - 99,999.99; Applies to CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
3 Month Regular CD / Traditional IRA CD & Roth IRA CD Accounts	2.03%	2.05%	3-Month
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $29,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Traditional 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; Applies to CD, Traditional IRA CD & Roth IRA CD Accounts Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 2.20% → 2.05% ▼ 0.15 pts · high 2.20% / low 2.05% Oct 13, 20262.05%▼ from 2.20% Sep 14, 20262.20%first recorded 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 +; Minimum Balance to Earn Dividends: $200.00; Dividends compounded and credited quarterly Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 6 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; Minimum Balance to Earn Dividends: $200.00; Dividends compounded and credited quarterly Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 6 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; Minimum Balance to Earn Dividends: $200.00; Dividends compounded and credited quarterly Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 6 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 Minimum Balance to Earn Dividends: $200.00; Rate applies to All Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 0.15% APY · checked 2 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 Membership: All; Minimum Balance to Earn Dividends: $0.00 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 0.15% APY · checked 2 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; Minimum Balance to Earn Dividends: $10,000.00 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 6 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; Minimum Balance to Earn Dividends: $10,000.00 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 6 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 monthly and credited monthly Last Updated 10/13/2026 Rate History No change since Sep 29, 2026 · 0.10% APY · checked 3 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 monthly and credited monthly Last Updated 10/13/2026 Rate History No change since Sep 29, 2026 · 0.10% APY · checked 3 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 monthly and credited monthly Last Updated 10/13/2026 Rate History No change since Sep 29, 2026 · 0.10% APY · checked 3 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; ELGA Portfolio; Mortgage Rates Last Updated 10/13/2026 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; ELGA Portfolio; Mortgage Rates Last Updated 10/13/2026 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; ELGA Portfolio; Mortgage Rates Last Updated 10/13/2026 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	6.75%	0.000	7.097%	15 years
Details As Low As; Rates based on excellent credit; APR based on estimated loan amount of $175,000 Last Updated 10/13/2026 Rate History 3 changes since Sep 14, 2026 · 6.85% → 7.10% ▲ 0.25 pts · high 7.22% / low 6.85% Oct 9, 20267.10%▼ from 7.22% Oct 2, 20267.22%▲ from 7.10% Sep 29, 20267.10%▲ from 6.85% Sep 14, 20266.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
1st Mortgage Purchase or Refinance ELGA Portfolio - 10 Year Fixed	6.65%	0.000	7.137%	10 years
Details As Low As; Rates based on excellent credit; APR based on estimated loan amount of $175,000 Last Updated 10/13/2026 Rate History 3 changes since Sep 14, 2026 · 6.89% → 7.14% ▲ 0.25 pts · high 7.26% / low 6.89% Oct 9, 20267.14%▼ from 7.26% Oct 2, 20267.26%▲ from 7.14% Sep 29, 20267.14%▲ from 6.89% Sep 14, 20266.89%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
1st Mortgage Purchase or Refinance ELGA Portfolio - 20 Year Fixed	7.00%	0.000	7.281%	20 years
Details As Low As; Rates based on excellent credit; APR based on estimated loan amount of $175,000 Last Updated 10/13/2026 Rate History 3 changes since Sep 14, 2026 · 7.03% → 7.28% ▲ 0.25 pts · high 7.41% / low 7.03% Oct 9, 20267.28%▼ from 7.41% Oct 2, 20267.41%▲ from 7.28% Sep 29, 20267.28%▲ from 7.03% Sep 14, 20267.03%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; Investment Property ARM 1st Mortgage Purchase or Refinance ELGA Portfolio; APR based on estimated loan amount of $175,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.34% APR 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	7.25%	0.000	7.469%	15 years
Details As Low As; 30 year payment schedule; Rates based on excellent credit; APR based on estimated loan amount of $175,000 Last Updated 10/13/2026 Rate History No change since Sep 29, 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 - 5/1 ARM	7.25%	0.000	7.469%	5/1 ARM
Details As Low As; Investment Property ARM 1st Mortgage Purchase or Refinance ELGA Portfolio; APR based on estimated loan amount of $175,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.47% APR 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; Investment Property ARM 1st Mortgage Purchase or Refinance ELGA Portfolio; APR based on estimated loan amount of $175,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.60% APR 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	7.375%	0.000	7.729%	15 years
Details As Low As; Excellent credit rates; APR based on estimated loan amount of $175,000 Last Updated 10/13/2026 Rate History 3 changes since Sep 14, 2026 · 7.60% → 7.73% ▲ 0.13 pts · high 7.86% / low 7.35% Oct 13, 20267.73%▼ from 7.86% Oct 2, 20267.86%▲ from 7.35% Sep 18, 20267.35%▼ from 7.60% Sep 14, 20267.60%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) - 10 Year Fixed	7.25%	0.125	7.772%	10 years
Details As Low As; Excellent credit rates; APR based on estimated loan amount of $175,000 Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 7.39% → 7.77% ▲ 0.38 pts · high 7.77% / low 7.39% 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%
1st Mortgage Purchase or Refinance (Fannie Mae and Government Programs) - 30 Year Fixed	7.625%	0.000	7.849%	30 years
Details As Low As; Excellent credit rates; APR based on estimated loan amount of $175,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.85% APR 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	7.625%	0.000	7.913%	20 years
Details As Low As; Excellent credit rates; APR based on estimated loan amount of $175,000 Last Updated 10/13/2026 Rate History 2 changes since Sep 18, 2026 · 7.53% → 7.91% ▲ 0.38 pts · high 8.04% / low 7.53% 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	8.00%	0.000	8.36%	15 years
Details As Low As; Purchase or Refinance; ELGA Portfolio Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.36% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Investment Property 1st Mortgage - 10 Year Fixed	7.90%	0.000	8.399%	10 years
Details As Low As; Purchase or Refinance; ELGA Portfolio Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.40% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Investment Property 1st Mortgage - 20 Year Fixed	8.25%	0.000	8.546%	20 years
Details As Low As; Purchase or Refinance; ELGA Portfolio Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.55% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Investment Property 1st Mortgage - 15 Year Balloon - 30 Year Payment	8.50%	0.000	8.737%	15 years
Details As Low As; Purchase or Refinance; ELGA Portfolio; 30 year payment schedule Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.74% APR 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; Up to 80.00% Loan to Value; APR based on an estimated loan amount of $100,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 6 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; APR is based on Prime plus a margin, adjusted quarterly; APR will never exceed 18.000% Last Updated 10/13/2026 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; Up to 80.00% Loan to Value; APR based on an estimated loan amount of $100,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.04% APR · checked 6 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; Up to 80.00% Loan to Value; APR based on an estimated loan amount of $100,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.96% APR · checked 6 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
Classic Auto Loan	-	-	5.50%	Up to 72 months
Details As Low As; Model Year: Classic Auto Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 5.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Vehicle Loan	-	-	5.50%	Up to 72 months
Details As Low As; Model Year: 2021-2026; New and used auto loan rates by model year Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Vehicle Loan	-	-	6.00%	85 - 96 months
Details As Low As; Model Year: 2025-2026; Loan Amount: $65,000+; New and used auto loan rates by model year Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
New Auto Loan & Used Auto Loan (By Model Year)	-	-	7.00%	Up to 48 months
Details As Low As; Years: 2017 - 2018 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
New Auto Loan & Used Auto Loan (By Model Year)	-	-	7.50%	Up to 36 months
Details As Low As; Years: 2016 & Older Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.50% APR 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; Rates include .50% direct deposit/autopay reduction Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 6 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; Rates include .50% direct deposit/autopay reduction Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 6 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; Rates include .50% direct deposit/autopay reduction Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 6 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; Rates include .50% direct deposit/autopay reduction Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 6 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; Rates include .50% direct deposit/autopay reduction Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 6 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 10/13/2026 Rate History No change since Sep 14, 2026 · 7.75% APR · checked 6 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 10/13/2026 Rate History No change since Sep 14, 2026 · 8.00% APR · checked 6 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 10/13/2026 Rate History No change since Sep 14, 2026 · 8.25% APR · checked 6 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 10/13/2026 Rate History No change since Sep 14, 2026 · 8.50% APR · checked 6 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%
No additional details. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 11.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Visa Smart Rate	-	11.75%
Details As Low As; Visa Credit Card; Rates based on credit bureau score; for members with excellent credit Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 11.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Visa Cash Back	-	13.75%
Details As Low As; Visa Credit Card; Rates based on credit bureau score; for members with excellent credit Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 13.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Visa Rewards	-	13.75%
Details As Low As; Visa Credit Card; Rates based on credit bureau score; for members with excellent credit Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 13.75% APR · checked 6 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; Rates for members with excellent credit Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 9.40% APR · checked 4 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; Rates for members with excellent credit Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 10.40% APR · checked 4 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 Balance: $25,000.00 - $99,999.99; BAMM! Qualifier rate; requires checking account with $5,000 average daily balance or ELGA VISA with $2,500 monthly purchases Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.05% APY · checked 3 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 Balance: $100,000.00 - $249,999.99; BAMM! Qualifier rate; requires checking account with $5,000 average daily balance or ELGA VISA with $2,500 monthly purchases Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 3 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 Balance: $250,000.00 or Greater; BAMM! Qualifier rate; requires checking account with $5,000 average daily balance or ELGA VISA with $2,500 monthly purchases Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 3.56% APY · checked 2 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 Standard Rate; Balance: $25,000.00 - $99,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.71% APY · checked 6 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 Standard Rate; Balance: $100,000.00 - $249,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.87% APY · checked 6 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 Standard Rate; Balance: $250,000.00 or Greater Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Basic Cash	0.10%	-	0.10%
Details Qualifier: All Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Basic Cash	-	-	0.10%
Details No minimum opening balance; $3 monthly fee waived with at least one qualification; Earn Relationship Rewards points Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Business Membership Share	0.10%	-	0.10%
Min Deposit $5 Min Balance $200 Details Dividends compounded quarterly and credited quarterly Last Updated 10/13/2026 Rate History No change since Sep 29, 2026 · 0.10% APY · checked 3 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; Minimum Balance to Earn Dividends: $200.00; Balances below $1,000 earn regular savings rate Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 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; Minimum Balance to Earn Dividends: $200.00; Balances below $1,000 earn regular savings rate Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 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; Minimum Balance to Earn Dividends: $200.00; Balances below $1,000 earn regular savings rate Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 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; Minimum Balance to Earn Dividends: $200.00; Balances below $1,000 earn regular savings rate Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 5 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; Minimum Balance to Earn Dividends: $200.00; Balances below $1,000 earn regular savings rate Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 5 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; Minimum Balance to Earn Dividends: $200.00; Balances below $1,000 earn regular savings rate Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 5 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; Minimum Balance to Earn Dividends: $200.00; Balances below $1,000 earn regular savings rate Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 5 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; Minimum Balance to Earn Dividends: $200.00; Balances below $1,000 earn regular savings rate Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 6 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: $1,000,000.00 and over; Minimum Balance to Earn Dividends: $200.00; Balances below $1,000 earn regular savings rate Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 6 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 10/13/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Kasasa Saver Savings	0.01%	-	0.01%
Min Deposit $0 Details Non-Qualifying; Requires accompanying Kasasa Checking account Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.72%
Membership Share	0.10%	-	0.10%
Min Deposit $5 Min Balance $200 Details All Consumer and Business Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 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 10/13/2026 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 $0 Details Balance: $25,000.00 and over; Minimum Balance to Earn Dividends: $0.00 Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 2.65% → 0.10% ▼ 2.55 pts · high 2.65% / low 0.10% Oct 13, 20260.10%▼ from 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 months
Min Deposit $25 Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.10% 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	0.50%	-	0.50%
Min Deposit $0 Min Balance $0 Details Balance: $0.00-$9,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.50% APY 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 $0 Details Balance: $10,000.00-$49,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.75% APY 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 $0 Details Balance: $50,000.00-$199,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 1.00% APY 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 $0 Details Balance: $200,000.00-$499,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 1.25% APY 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 $0 Details Balance: $500,000.00 and over Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 1.51% APY 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; IRA Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 5 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 $0 Details Balance: $10,000.00 - $49,999.99; IRA Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 0.50% → 0.75% ▲ 0.25 pts · high 0.75% / low 0.50% Oct 13, 20260.75%▲ from 0.50% Sep 14, 20260.50%first recorded 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 $0 Details Balance: $50,000.00 - $199,999.99; IRA Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 0.50% → 1.00% ▲ 0.50 pts · high 1.00% / low 0.50% Oct 13, 20261.00%▲ from 0.50% Sep 14, 20260.50%first recorded 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 $0 Details Balance: $200,000.00 - $499,999.99; IRA Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 0.50% → 1.25% ▲ 0.75 pts · high 1.25% / low 0.50% Oct 13, 20261.25%▲ from 0.50% Sep 14, 20260.50%first recorded 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 $0 Details Balance: $500,000.00 and over; IRA Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 0.50% → 1.51% ▲ 1.01 pts · high 1.51% / low 0.50% Oct 13, 20261.51%▲ from 0.50% Sep 14, 20260.50%first recorded 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 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 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

Q2 2026 MBR Health & Safety Badge

ELGA Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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

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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 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.

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ELGA Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

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Financial Health History

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Credit Union Profile & Overview

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ELGA Credit Union earned the Verified Healthy badge

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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

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