Credit union · NCUA insured
ELGA Credit Union Savings Rates
ELGA Credit Union’s best savings rate is 0.25% APY on $10,000, with its ELGA Elite High Yield Savings. Rates checked October 16, 2026.
How ELGA Credit Union’s savings rates compare
Compared with banks and credit unions near Flint, MI, where ELGA Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
ELGA Credit Union
1.51%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $151
Kasasa Saver
Top rate
Flagstar Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
2nd-highest rate
Credit Union ONE
3.30%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $330
ELGA Credit Union savings score
84
Savings score
Higher than 66% of U.S. banks and credit unions
- $1,000 balance$1,0000.75%
- $10,000 balance$10,0000.75%
- $100,000 balance$100,0000.50%
- QualifiedQualified1.51%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where ELGA Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
BAMM!
Up to 3.56%APY
Listed under Savings Rates. Minimum to open $25,000. Minimum to earn dividends $25,000. Dividends compounded and credited monthly. Business accounts are excluded from the qualifying-rate offer. Rates are variable.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25,000 – $100,000BAMM! Qualifier. Same-account checking with $5,000 average daily balance monthly OR ELGA VISA with $2,500+ calendar-month purchases (no balance transfers/cash advances; returns reduce totals). Otherwise Standard Rate applies next cycle. | 3.05% | — | BAMM! Qualifier. Same-account checking with $5,000 average daily balance monthly OR ELGA VISA with $2,500+ calendar-month purchases (no balance transfers/cash advances; returns reduce totals). Otherwise Standard Rate applies next cycle. |
| $25,000 – $100,000BAMM! Standard when Qualifier checking/card activity is not met for the calendar month. | 1.71% | — | BAMM! Standard when Qualifier checking/card activity is not met for the calendar month. |
| $100,000 – $250,000BAMM! Qualifier. Same-account checking with $5,000 average daily balance monthly OR ELGA VISA with $2,500+ calendar-month purchases. | 3.30% | — | BAMM! Qualifier. Same-account checking with $5,000 average daily balance monthly OR ELGA VISA with $2,500+ calendar-month purchases. |
| $100,000 – $250,000BAMM! Standard when Qualifier checking/card activity is not met for the calendar month. | 1.87% | — | BAMM! Standard when Qualifier checking/card activity is not met for the calendar month. |
| $250,000 and upBAMM! Qualifier. $250,000.00 or greater. Same-account checking with $5,000 average daily balance monthly OR ELGA VISA with $2,500+ calendar-month purchases. | 3.56% | — | BAMM! Qualifier. $250,000.00 or greater. Same-account checking with $5,000 average daily balance monthly OR ELGA VISA with $2,500+ calendar-month purchases. |
| $250,000 and upBAMM! Standard. $250,000.00 or greater. Applies when Qualifier checking/card activity is not met. | 2.02% | — | BAMM! Standard. $250,000.00 or greater. Applies when Qualifier checking/card activity is not met. |
Sources (3)
All captured Oct 5, 2026
ELGA Elite High Yield Savings
0.25%APY
Must be an ELGA member. Minimum opening balance equals the lowest amount of each published tier. Minimum balance to earn dividends equals the minimum opening balance on Elite accounts. Balances below $1,000 earn the regular savings rate unless under $200, then no interest. Product page: no withdrawal penalties or maturity dates; only 6 electronic transactions each month. Rate table page: dividends compounded and credited quarterly. Rates are variable.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| $200 – $1,000Balances below $1,000.00 earn the regular savings rate (Membership Share 0.10% APY / 0.10% dividend). Under $200.00 does not earn interest. · Unknown to open | 0.10% | Unknown | — | Balances below $1,000.00 earn the regular savings rate (Membership Share 0.10% APY / 0.10% dividend). Under $200.00 does not earn interest. |
| $1,000 – $5,000Tier $1,000.00-$4,999.99; opening minimum is the tier floor. · $1,000 to open | 0.15% | $1,000 | — | Tier $1,000.00-$4,999.99; opening minimum is the tier floor. |
| $5,000 – $10,000Tier $5,000.00-$9,999.99; opening minimum is the tier floor. · Unknown to open | 0.20% | Unknown | — | Tier $5,000.00-$9,999.99; opening minimum is the tier floor. |
| $10,000 – $25,000Tier $10,000.00-$24,999.99; opening minimum is the tier floor. · Unknown to open | 0.25% | Unknown | $25 | Tier $10,000.00-$24,999.99; opening minimum is the tier floor. |
| $25,000 – $50,000Tier $25,000-$49,999.99 as printed (no cents on the lower bound); opening minimum is the tier floor. · Unknown to open | 0.35% | Unknown | — | Tier $25,000-$49,999.99 as printed (no cents on the lower bound); opening minimum is the tier floor. |
| $50,000 – $100,000Tier $50,000.00-$99,999.99; opening minimum is the tier floor. · Unknown to open | 0.35% | Unknown | — | Tier $50,000.00-$99,999.99; opening minimum is the tier floor. |
| $100,000 – $250,000Tier $100,000.00-$249,999.99; opening minimum is the tier floor. · Unknown to open | 0.50% | Unknown | — | Tier $100,000.00-$249,999.99; opening minimum is the tier floor. |
| $250,000 – $500,000Tier $250,000.00-$499,999.99; opening minimum is the tier floor. · Unknown to open | 0.50% | Unknown | — | Tier $250,000.00-$499,999.99; opening minimum is the tier floor. |
| $500,000 – $1,000,000Tier $500,000.00-$999,999.99; opening minimum is the tier floor. · Unknown to open | 0.85% | Unknown | — | Tier $500,000.00-$999,999.99; opening minimum is the tier floor. |
| $1,000,000 and upTier $1,000,000+; opening minimum is the tier floor. · Unknown to open | 1.00% | Unknown | — | Tier $1,000,000+; opening minimum is the tier floor. |
Sources (3)
All captured Oct 5, 2026
Save To Win
0.75%APY · 1 term
Every $25 deposited earns prize entries, capped at 100 per month. Prize drawings described; Florida openers/primary Florida-branch transactors ineligible to win. Minimum opening balance is $25.00; minimum balance to earn dividends is $0.00. Dividends compounded and credited monthly.
| Term | APY · Up to $25,000 | APY · $25,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 months12-Month $0.00 - $24,999.99. Minimum opening balance $25.00; minimum balance to earn dividends $0.00 | 0.75% | — | 0.75% | $75 |
| 12 months12-Month $25,000.00 and over. Minimum opening balance $25.00; minimum balance to earn dividends $0.00 | — | 0.10% | —0.10% from $25k | — |
Membership Share
0.10%APY
Minimum balance to open $5.00. Minimum balance to earn dividends $200.00. Dividends compounded and credited quarterly. Rates are variable and may change after the account is opened. Table also lists business, which is out of scope.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 and upAll consumer balances that meet the $200.00 minimum to earn dividends.$200 and up | 0.10% | $10 | All consumer balances that meet the $200.00 minimum to earn dividends. |
Kasasa Saver
0.00%APY on $10,000
Requires an accompanying Kasasa Checking (Kasasa Cash, Kasasa Cash Classic, or Kasasa Cash Back). Limit one Kasasa Saver per individual taxpayer identification number. $0.00 minimum to open or earn dividends. No recurring monthly service charges. Dividends compounded and credited monthly. Rates and rewards are variable.
| Part of the balance | Rate on that part |
|---|---|
| $250,001 and up | 0.25% |
On $10,000 the tiers blend to about 0.00% APY, earning $0 a year.
Sources (3)
All captured Oct 5, 2026
Special-purpose accounts
Coverdell Education Savings Account (ESA)
0.75%APY
Described as a Coverdell education savings account (ESA) option. Minimum opening balance and balance to earn dividends is $0.00.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Tier $0.00-$9,999.99. Minimum opening balance & balance to earn dividends $0.00. | 0.50% | — | Tier $0.00-$9,999.99. Minimum opening balance & balance to earn dividends $0.00. |
| $10,000 – $50,000Tier $10,000.00-$49,999.99. Minimum opening balance & balance to earn dividends $0.00. | 0.75% | $75 | Tier $10,000.00-$49,999.99. Minimum opening balance & balance to earn dividends $0.00. |
| $50,000 – $200,000Tier $50,000.00-$199,999.99. Minimum opening balance & balance to earn dividends $0.00. | 1.00% | — | Tier $50,000.00-$199,999.99. Minimum opening balance & balance to earn dividends $0.00. |
| $200,000 – $500,000Tier $200,000.00-$499,999.99. Minimum opening balance & balance to earn dividends $0.00. | 1.25% | — | Tier $200,000.00-$499,999.99. Minimum opening balance & balance to earn dividends $0.00. |
| $500,000 and upTier $500,000.00 +. Minimum opening balance & balance to earn dividends $0.00. | 1.51% | — | Tier $500,000.00 +. Minimum opening balance & balance to earn dividends $0.00. |
Health Savings Account
1.51%APY
Minimum opening balance $0.00. Minimum balance to earn dividends $200.00. Dividends compounded and credited quarterly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 – $1,000Tier $200.00-$999.99. | 0.75% | — | Tier $200.00-$999.99. |
| $1,000 – $10,000Tier $1,000-$9,999.99 as printed. | 1.25% | — | Tier $1,000-$9,999.99 as printed. |
| $10,000 and upTier $10,000 +. | 1.51% | $151 | Tier $10,000 +. |
Traditional and Roth IRAs
0.75%APY
Traditional and Roth IRA savings options. Minimum opening balance and balance to earn dividends is $0.00.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Tier $0.00-$9,999.99. Minimum opening balance & balance to earn dividends $0.00. | 0.50% | — | Tier $0.00-$9,999.99. Minimum opening balance & balance to earn dividends $0.00. |
| $10,000 – $50,000Tier $10,000.00-$49,999.99. Minimum opening balance & balance to earn dividends $0.00. | 0.75% | $75 | Tier $10,000.00-$49,999.99. Minimum opening balance & balance to earn dividends $0.00. |
| $50,000 – $200,000Tier $50,000.00-$199,999.99. Minimum opening balance & balance to earn dividends $0.00. | 1.00% | — | Tier $50,000.00-$199,999.99. Minimum opening balance & balance to earn dividends $0.00. |
| $200,000 – $500,000Tier $200,000.00-$499,999.99. Minimum opening balance & balance to earn dividends $0.00. | 1.25% | — | Tier $200,000.00-$499,999.99. Minimum opening balance & balance to earn dividends $0.00. |
| $500,000 and upTier $500,000.00 +. Minimum opening balance & balance to earn dividends $0.00. | 1.51% | — | Tier $500,000.00 +. Minimum opening balance & balance to earn dividends $0.00. |
Christmas Club
0.15%APY
Minimum balance to open $5.00. Minimum balance to earn dividends $200.00. Dividends compounded and credited quarterly. Rates are variable.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 and upAll Christmas Club balances that meet the $200.00 minimum to earn dividends.$200 and up | 0.15% | $15 | All Christmas Club balances that meet the $200.00 minimum to earn dividends. |
Super Saver Club
0.15%APY
Youth savings for members ages 0-13. Minimum balance to open $5.00. Minimum balance to earn dividends $0.00. Dividends compounded and credited quarterly. Rates are variable.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAll Super Saver Club balances.Any balance | 0.15% | $15 | All Super Saver Club balances. |
Sources (3)
All captured Oct 5, 2026
Vibe
0.10%APY
Youth savings. Rate table: minimum to open $5.00; minimum to earn dividends $200.00. p14 labels Vibe Membership Share ages 14-17; youth page lists Vibe accounts for ages 14-25 and says the account earns dividends. Dividends compounded and credited quarterly. Rates are variable.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $200 and upAll qualifying Vibe balances.$200 and up | 0.10% | $10 | All qualifying Vibe balances. |
Sources (3)
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.