Fair rates and terms to help you get ahead in life
Mortgage Rates |
Home Equity Rates |
Vehicle Rates |
Credit Card Rates |
Any Moment Loan Rates |
Business Rates
Whether you are buying a home, refinancing a vehicle, starting a business or consolidating debt, borrowing from ELGA Credit Union is a great way to help finance the big dreams you might not have cash for.
Make affordable monthly payments with fair rates that won’t leave you scrambling to make ends meet!
Mortgage Rates
1st Mortgage Purchase or Refinance ELGA Portfolio
|
Rate |
Discount Points |
APR |
| 10 Year Fixed |
As low as 4.900% |
0.00 |
5.292% |
| 15 Year Fixed |
As low as 5.000% |
0.00 |
5.275% |
| 20 Year Fixed |
As low as 5.250% |
0.00 |
5.468% |
| 15 Year Balloon - 30 Year Payment |
As low as 5.500% |
0.00 |
5.664% |
| Vacant Land |
As low as 6.500% |
0.00 |
6.674% |
Investment Property 1st Mortgage Purchase or Refinance ELGA Portfolio
|
Rate |
Discount Points |
APR |
| 10 Year Fixed |
As low as 6.150% |
0.00 |
6.551% |
| 15 Year Fixed |
As low as 6.250% |
0.00 |
6.535% |
| 20 Year Fixed |
As low as 6.500% |
0.00 |
6.729% |
| 15 Year Balloon - 30 Year Payment |
As low as 6.750% |
0.00 |
6.927% |
1st Mortgage Purchase or Refinance (Fannie Mae and Government Programs)
|
Rate |
Discount Points |
APR |
| 30 Year Fixed |
As low as 6.375% |
0.00 |
6.548% |
| 20 Year Fixed |
As low as 6.250% |
0.00 |
6.477% |
| 15 Year Fixed |
As low as 5.875% |
0.00 |
6.157% |
| 10 Year Fixed |
As low as 5.750% |
0.00 |
6.148% |
| FHA |
As low as 5.625% |
1.625 |
5.944% |
| Rural Development (RD) |
As low as 6.750% |
-0.875 |
6.927% |
| VA |
As low as 5.625% |
2.000 |
5.981% |
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.
Home Equity Rates
Home Equity
|
Rate |
Origination Fee |
APR |
| Home Equity Closed End up to 80.00% Loan to Value |
As low as 5.250% |
|
5.356%* |
| Home Equity Closed End up to 89.99% Loan to Value |
As low as 5.750% |
|
5.845%* |
| Home Equity Closed End up to 100.00% Loan to Value |
As low as 6.250% |
|
6.337%* |
| Home Equity Line of Credit (HELOC) |
As low as 7.250% |
|
7.250%** |
*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.
Vehicle Rates
Auto Loan Rate Specials (2016 and newer)
|
APR |
| Up to 72 Months |
As low as 5.74% |
| 73-84 Months |
As low as 6.49% |
| 85-96 Months |
As low as 7.25% |
Secured Loans (Including Vehicle Model Years 2015 and Older)
|
APR |
| 12-24 Months |
As low as 5.75% |
| 25-36 Months |
As low as 6.00% |
| 37-48 Months |
As low as 6.25% |
| 49-60 Months |
As low as 6.50% |
| 61-72 Months |
As low as 6.75% |
| 73-84 Months |
As low as 7.00% |
| 85-144 Months |
As low as 7.25% |
| 145-240 Months |
As low as 7.75% |
RV, Boat, Snowmobile, and Motorcycle Rate Specials
|
APR |
| Up to 72 Months |
As low as 5.74% |
| 73-84 Months |
As low as 7.00% |
| 85-180 Months |
As low as 7.25% |
| 181-240 Months (RVs and Boats) |
As low as 7.49% |
Rate special valid on 2016 or newer model year purchase or refinance transactions. Refinances must be from another institution to qualify for rate special. 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.
Credit Card Rates
VISA
|
APR |
| Visa Rewards Card |
As low as 9.90% |
| Visa Rewards (Introductory Offer) |
As low as 4.90% for the first 6 months |
| Visa Cash Back |
As low as 14.9% |
| Visa Cash Back (Introductory Offer) |
As low as 4.90% for the first 6 months |
| Visa Low Rate |
As low as 7.90% |
| Visa Low Rate (Introductory Offer) |
As low as 4.90% for the first 6 months |
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. For further details please see our VISA Credit Card Application Disclosures.
Any Moment Loan Rates
Deposit Secured Loans
|
APR |
| 12-60 Months |
As low as 3.50% |
| 61-120 Months |
As low as 5.00% |
Unsecured-Home Improvement Loans - Min Loan Amount $5,000
|
APR |
| 12-60 Months |
As low as 8.65% |
| 61-84 Months |
As low as 9.65% |
Unsecured-Personal Loans
|
APR |
| 12-120 Months |
As low as 10.65% |
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". Deposit Secured Loans require money held on deposit as collateral. APR = Annual Percentage Rate.
Business Rates
Business Loans
|
Rate |
APR |
| Business Platinum Rewards Visa |
|
12.90% Fixed |
| Contact ELGA's Business Lending Team for current rates. |
|
|
