Early access to your money. No waiting. No fees.
From paychecks to tax refunds, Early Pay puts your money in your hands sooner.
At ELGA Credit Union, we believe your hard-earned money should be available when you need it most.
With Early Pay, you could access your eligible direct deposits up to two days early*. There’s no enrollment and no extra cost—just set up your direct deposit into your ELGA Credit Union account, and we’ll take care of the rest.
When your funds are sent to us, we’ll deposit them right away—so you can take care of bills, plan ahead, or simply enjoy a little more breathing room.
Because getting your money early feels pretty great.
Frequently Asked Questions
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ELGA CU and COPOCO CU have applied to their regulators to merge into one credit union. The merger requires approval of the NCUA, Michigan Department of Insurance and Financial Services, and members of COPOCO CU.
How does Early Pay work?
Once your employer or payment provider sends us your deposit information, we’ll release your funds early—often up to two days before your scheduled payday.
Do I need to sign up?
Nope! Early Pay is automatically included with all ELGA Credit Union accounts that receive direct deposits. No forms, no extra steps.
How will I know when my pay is available?
Sign up to receive account alert notifications in digital banking to get notified every time your deposit hits your account.
Why does Early Pay matter?
Because a little extra time can make a big difference. Early Pay helps you cover expenses, save more confidently, and enjoy the peace of mind that comes from having your money when you need it.
*Early Pay is an automatic feature of your ELGA Credit Union account that may allow you to access eligible direct deposits up to two days early (and up to five days early for certain federal payments). You must have an active direct deposit set up to be eligible. Early Pay is not guaranteed. Availability depends on when we receive payment instructions from your employer or other payer. We do not guarantee that any direct deposit will be posted before its scheduled settlement date. Some direct deposit types may not be eligible for Early Pay, including Health Savings Account (HSA), Individual Retirement Account (IRA), and International ACH Transactions (IATs). It is at our discretion to identify which recurring direct deposits are eligible for Early Pay, and we may modify or discontinue this feature at any time without notice.
