Credit union · NCUA insured
ELGA Credit Union Credit Card Rates
ELGA Credit Union credit cards start at 12.00% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How ELGA Credit Union’s credit card rates compare
Compared with banks and credit unions near Flint, MI, where ELGA Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
ELGA Credit Union
12.00%APR
- Annual fee
- None
- Up to
- 19.00% APR
Visa Smart Rate
Lowest rate
Security Credit Union
8.90%APR
- Annual fee
- None
- Up to
- —
2nd-lowest rate
Sovita Credit Union
8.90%APR
- Annual fee
- $9
- Up to
- —
ELGA Credit Union credit card score
72
Credit card score
Higher than 30% of U.S. banks and credit unions
- Purchase APRPurchase APR12.00%
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 credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Visa Cash Back
APR is based on creditworthiness, credit score, and analysis. Rates subject to change without notice.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.00%–21.00% | None | APR is based on creditworthiness and other qualifications required for approval. No Annual Fee. Earn 1% cash back on purchases. |
Sources (3)
- elgacu.com/borrow/cash-back-credit-card
- elgacu.com/borrow/credit-card-rates
- elgacu.com/borrow/credit-cards
All captured Oct 5, 2026
Visa Rewards
APR is based on creditworthiness, credit score, and analysis. Rates subject to change without notice.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.00%–21.00% | None | APR is based on creditworthiness and other qualifications required for approval. No Annual Fee. Earn 1 point for every dollar spent. |
Sources (3)
- elgacu.com/borrow/credit-card-rates
- elgacu.com/borrow/credit-cards
- elgacu.com/borrow/rewards-credit-card
All captured Oct 5, 2026
Visa Smart Rate
APR is based on creditworthiness, credit score, and analysis. Rates subject to change without notice.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.00%–19.00% | None | APR is based on creditworthiness and other qualifications required for approval. No Annual Fee. |
Sources (3)
- elgacu.com/borrow/credit-card-rates
- elgacu.com/borrow/credit-cards
- elgacu.com/borrow/low-rate-credit-card
All captured Oct 5, 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.