Loan Rates

Annual Percentage Rate (APR) based on an estimated loan amount of $175,000. The actual interest rate to you may vary based on several factors including but not limited to down payment, occupancy type, property type, and your credit history.

All rates subject to change without notice. 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 and for other applicable loan level price adjustments. All rates quoted “as low as”. APR = Annual Percentage Rate. The payment example does not include taxes or insurance and the actual payment obligation may be greater.

*Annual Percentage Rate (APR) based on an estimated loan amount of $100,000. The actual interest rate to you may vary based on several factors including but not limited to occupancy type, property type, and your credit history.

**The Annual Percentage Rate (APR) is based on Prime plus a margin. Prime is based on the highest Prime Rate reported in the Wall Street Journal. Prime is a variable rate; as it changes, the APR on your account will be adjusted quarterly. The APR will never exceed 18.000% or the maximum rate allowed by law. The margin is determined by your credit profile.

All rates subject to change without notice. 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”. APR = Annual Percentage Rate.

72-month term at 6.75% APR* would have an estimated monthly payment of $16.93 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 0.75% rate reduction available for members receiving direct deposit to their ELGA Credit Union account, setting up automatic payments from their ELGA Credit Union account and with collateral less than 80% Loan to Value. 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.

84-month term at 7.00% APR* would have an estimated monthly payment of $15.10 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 0.75% rate reduction available for members receiving direct deposit to their ELGA Credit Union account, setting up automatic payments from their ELGA Credit Union account and with collateral less than 80% Loan to Value. 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.

72-month term at 8.25% APR* would have an estimated monthly payment of $17.66 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 0.75% rate reduction available for members receiving direct deposit to their ELGA Credit Union account, setting up automatic payments from their ELGA Credit Union account and with collateral less than 80% Loan to Value. 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.

60-month term at 11.65%* would have an estimated monthly payment of $22.07 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 0.25% 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.