Loan Rates

Fair rates and terms to help you get ahead in life

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
10 Year Fixed	As low as 4.250%
15 Year Fixed	As low as 4.250%
15 Year Balloon - 20 Year Payment	As low as 4.500%
15 Year Balloon - 30 Year Payment	As low as 4.750%
Vacant Land	As low as 5.750%

1st Mortgage Purchase or Refinance (Fannie Mae and Government Programs)

	Rate
30 Year Fixed	As low as 4.500%
20 Year Fixed	As low as 4.500%
15 Year Fixed	As low as 4.000%
10 Year Fixed	As low as 4.000%
FHA	As low as 4.125%
Rural Development (RD)	As low as 4.500%
VA	As low as 4.375%

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.

Home Equity Rates

Home Equity

	Rate	Origination Fee
Home Equity Closed End up to 80.00% Loan to Value	As low as 3.750%	$250.00
Home Equity Closed End up to 89.99% Loan to Value	As low as 4.500%	$250.00
Home Equity Closed End up to 100.00% Loan to Value	As low as 5.250%	$250.00
Home Equity Line of Credit (HELOC)	As low as 5.000%	$250.00

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

	APR
Up to 72 Months	As low as 3.24%
73-84 Months	As low as 3.49%
85-96 Months	As low as 4.24%

RV, Boat, Snowmobile, and Motorcycle Rate Specials

	APR
Up to 72 Months	As low as 3.24%
73-144 Months	As low as 4.24%

Secured Loans (Including Vehicle Model Years 2009 and Older)

	APR
12-24 Months	As low as 4.25%
25-36 Months	As low as 4.50%
37-48 Months	As low as 4.75%
49-60 Months	As low as 5.00%
61-72 Months	As low as 5.25%
73-84 Months	As low as 5.50%
85-144 Months	As low as 5.75%
145-180 Months	As low as 6.25%

Rate special valid on 2010 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 Platinum Rewards Card	As low as 9.90%
Visa Platinum Rewards (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.

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 Loans

	APR
12-120 Months	As low as 9.65%

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.