Most Popular Rates
Kasasa Cash® Checking
Up to 6.17% APY*
| Kasasa Cash | APY | Dividend Rate |
|---|---|---|
| $0.00-$15,000.00 | 6.17% | 6.00% |
| $15,001.00 + | 6.17%-1.01% | 0.25% |
| Non-Qualifying | 0.01% | 0.01% |
*When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $15,000.00 in your Kasasa Cash account earn a dividend rate of 6.00% resulting in an APY of 6.17%; and daily balances over $15,000.00 earn a dividend rate of 0.25% on the portion of the daily balance over $15,000.00, resulting in a range from 6.17% to 1.01% APY depending on the account’s daily balance.
Vehicle Loans
New Auto Loan Rates & Used Auto Loan Rates (By Model Year)
| Years | APR as low as* | Maximum Term |
|---|---|---|
| 2025-2026 $65,000+ | As low as 6.00% | 85 – 96 months |
| 2021 – 2026 | As low as 5.75% | 73 – 84 months |
| 2021 – 2026 | As low as 5.50% | Up to 72 months |
| 2019 – 2020 | As low as 6.00% | Up to 60 months |
| 2017 – 2018 | As low as 7.00% | Up to 48 months |
| 2016 & Older | As low as 7.50% | Up to 36 months |
| Classic Auto | As low as 5.50% | Up to 72 months |
Promotional CD – Minimum Opening Balance: $1,000.00
CD, Traditional IRA CD & Roth IRA CD Accounts
| Months | APY | Dividend Rate |
|---|---|---|
| 10-Month Promo CD | 4.00% | 3.94% |
| 10-Month Traditional IRA Promo CD | 4.00% | 3.94% |
| 10-Month Roth IRA Promo CD | 4.00% | 3.94% |
BAMM! – Minimum Opening Balance: $25,000
| BAMM! Qualifier | APY | Dividend Rate |
|---|---|---|
| $25,000.00 – $99,999.99 | 3.05% | 3.00% |
| $100,000.00 – $249,999.99 | 3.30% | 3.25% |
| $250,000.00 or Greater | 3.56% | 3.50% |
| BAMM! Standard | APY | Dividend Rate |
|---|---|---|
| $25,000.00 – $99,999.99 | 1.71% | 1.70% |
| $100,000.00 – $249,999.99 | 1.87% | 1.85% |
| $250,000.00 or Greater | 2.02% | 2.00% |
Minimum balance to earn dividends matches minimum opening balance. Dividends compounded and credited quarterly for Promotional CD Accounts. Dividends compounded and credited monthly for Kasasa Cash and BAMM! Accounts. APY = Annual Percentage Yield.
BAMM! Accounts: 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.
For further details please see our Rate and Service Charges Disclosure.
Vehicle Loans: 72-month term at 5.50% APR* would have an estimated monthly payment of $16.34 per $1,000 borrowed. Rates based on your credit bureau score. The rates listed above are for members** who have excellent credit. Rates increase if there have been previous credit problems. All rates quoted “as low as.” “As low as” includes .50% rate reduction available for members receiving direct deposit to their ELGA Credit Union account, setting up automatic payments from their ELGA Credit Union account. Program, rates, terms, and conditions are subject to change without notice. Other loan terms are available at different rates. *APR = Annual Percentage Rate. **Membership must be established prior to loan closing.
