Credit union · NCUA insured
ELGA Credit Union Auto Loan Rates
ELGA Credit Union auto loans start at 5.50% APR for a new vehicle and 5.50% for a used one. Rates checked October 16, 2026.
How ELGA Credit Union’s auto loan rates compare
Compared with banks and credit unions near Flint, MI, where ELGA Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
ELGA Credit Union
5.50%APR
- Terms
- up to 72 months
New Auto Loan Rates & Used Auto Loan Rates (By Model Year)
Lowest rate
Sovita Credit Union
4.70%APR
- Terms
- up to 60 months
2nd-lowest rate
Credit Union ONE
4.99%APR
- Terms
- up to 60 months
ELGA Credit Union auto loan score
72
Auto loan score
Higher than 32% of U.S. banks and credit unions
- New vehicleNew5.50%
- Used vehicleUsed5.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where ELGA Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New Auto Loan Rates & Used Auto Loan Rates (By Model Year)
Membership must be established prior to loan closing. Rates based on credit bureau score; rates listed are for members with excellent credit. All rates quoted 'as low as' and include a 0.50% rate reduction available for members receiving direct deposit to their ELGA Credit Union account and setting up automatic payments from their ELGA Credit Union account. Program, rates, terms, and conditions subject to change without notice.
| Terms | APR | Conditions |
|---|---|---|
| 85–96 months | 6.00% | Model Years 2025-2026 $65,000+. Includes 0.50% rate reduction for direct deposit and automatic payments from ELGA Credit Union account. |
| 73–84 months | 5.75% | Model Years 2021 – 2026. Includes 0.50% rate reduction for direct deposit and automatic payments from ELGA Credit Union account. |
| up to 72 months | 5.50% | Model Years 2021 – 2026. Includes 0.50% rate reduction for direct deposit and automatic payments from ELGA Credit Union account. |
| up to 60 months | 6.00% | Model Years 2019 – 2020. Includes 0.50% rate reduction for direct deposit and automatic payments from ELGA Credit Union account. |
| up to 48 months | 7.00% | Model Years 2017 – 2018. Includes 0.50% rate reduction for direct deposit and automatic payments from ELGA Credit Union account. |
| up to 36 months | 7.50% | Model Years 2016 & Older. Includes 0.50% rate reduction for direct deposit and automatic payments from ELGA Credit Union account. |
Sources (1)
- elgacu.com/bank/most-popular-rates · captured Oct 7, 2026
Who can join ELGA Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, volunteer, or attend school in Brevard, Indian River, St. Lucie, Martin, Okeechobee, Osceola, Orange, or Seminole counties in Florida are eligible for membership.
- Individuals who live, work, worship, volunteer, or attend school in the State of Michigan are eligible for membership.
Employers and groups
- Any business or legal entity primarily comprised of the credit union's eligible membership group is eligible to join.
Military, government and schools
- Saginaw Valley State University students and alumni are eligible for membership.
Family and household
- Immediate family members of any current ELGA Credit Union member are eligible for membership.
Other ways
- Any person making a $25.00 donation to the Salvation Army Bed and Bread Program is eligible for membership (not available online).
Cost to join
- A $25.00 donation to the Salvation Army Bed and Bread Program is required to qualify under the donation membership route.
- Joining requires opening a Membership Share account (amount unstated).
Membership information collected October 5, 2026.