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ELGA Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.elgacu.com
810-715-3542
2303 S Center Rd
Burton, MI 48519

ELGA Credit Union is headquartered in Grand Blanc and is the 15th largest credit union in the state of Michigan. It is also the 299th largest credit union in the nation. It was established in 1968 and as of March of 2025, it had grown to 299 employees and 99,857 members at 13 locations. ELGA Credit Union's CD rates are 3X the national average, and it has an A health rating.

Field of Membership Restrictions

ELGA Credit Union is open to individuals who live, work, worship, attend school, or volunteer anywhere in Michigan. Membership eligibility also extends to include the employees and retirees of many employer groups, including State of Michigan Government agencies, Building Trades AFL-CIO, and Consumers Energy Company. Individuals who donate $25 to the Salvation Army Bed & Bread Program also qualify for membership, as do immediate family members of current ELGA members.
See current membership details

Reviews (2)

POS Credit Union

Posted by: |

Never saw a pos credit union like this before ever. Their website never works, you can never log in. Try calling them, you will never get through. So you’re late making your payment. and they will ruin your credit report. Worst pos credit union I have ever seen in my entire life. I wouldn’t recommend this pos to my worst enemy.

1

Trash Bank

Posted by: |

absolute garbage bank use any other one trust

9


Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #61797
Year Chartered1968
Employees299
Primary Regulator
Profit Margin
Return on Assets - YTD1.51%
Return on Equity - YTD10.6%
Annual Interest Income$23MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$1.6B$1.52B
LoansQ1 2025vs Q1 2024$1.18B$1.21B
DepositsQ1 2025vs Q1 2024$1.18B$1.11B
Equity CapitalQ1 2025vs Q1 2024$225.6MM$194.5MM
Loan Loss AllowanceQ1 2025vs Q1 2024$20.1MM$17.5MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$20.6MM$26.4MM
Real Estate OwnedQ1 2025vs Q1 2024$185K$180K
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

ELGA Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%*$500k*-Coverdell ESA
OTHER TIERS: 0.50% → $0 - $10k | 0.75% → $10k - $50k | 1.00% → $50k - $200k | 1.25% → $200k - $500k
1.51%*$10k*-HSA Savings
OTHER TIERS: 0.75% → $200 - $1k | 1.25% → $1k - $10k
1.51%*$0$250kKasasa Saver
OTHER TIERS: 0.25% → $250k+
0.15%$200-Christmas Club
0.15%$0-Super Saver Club
0.10%$200-Regular Savings
0.10%$200-Membership Share
0.10%$200-Vibe Savings
0.10%$200-Business Membership Share
0.10%$200-Any Moment Savings

ELGA Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.81%*$250k*-BAMM! Account
OTHER TIERS: 3.30% → $25k - $100k | 3.56% → $100k - $250k
3.66%*$25k*-Business Money Market
OTHER TIERS: 1.51% → $10k - $25k
0.55%*$500k*-ELGA Elite Money Market
OTHER TIERS: 0.15% → $1k - $5k | 0.20% → $5k - $10k | 0.25% → $10k - $50k | 0.30% → $50k - $100k | 0.40% → $100k - $250k | 0.50% → $250k - $500k
0.55%*$500k*-Business ELGA Elite Money Market
OTHER TIERS: 0.15% → $1k - $5k | 0.20% → $5k - $10k | 0.25% → $10k - $50k | 0.30% → $50k - $100k | 0.40% → $100k - $250k | 0.50% → $250k - $500k

ELGA Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
6.17%$0$15kKasasa Cash
0.10%$10k-Business Checking
0.10%$10k-Business Non-Profit Checking
0.10%$500-Vibe Checking
0.10%$10k-Basic Cash
0.10%$10k-Business Checking Plus
0.10%$10k-Community Checking

ELGA Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.55%$1k-20 Month CD Special
4.55%$1k-Business 20 Month CD Special
3.51%*$500k*-72 Month CD
OTHER TIERS: 3.20% → $1k - $30k | 3.25% → $30k - $100k | 3.30% → $100k - $250k | 3.40% → $250k - $500k
3.51%*$500k*-Business 72 Month CD
OTHER TIERS: 3.20% → $1k - $30k | 3.25% → $30k - $100k | 3.30% → $100k - $250k | 3.40% → $250k - $500k
3.45%*$500k*-60 Month CD
OTHER TIERS: 3.15% → $1k - $30k | 3.20% → $30k - $100k | 3.25% → $100k - $250k | 3.35% → $250k - $500k
3.45%*$500k*-Business 60 Month CD
OTHER TIERS: 3.15% → $1k - $30k | 3.20% → $30k - $100k | 3.25% → $100k - $250k | 3.35% → $250k - $500k
3.15%*$500k*-48 Month CD
OTHER TIERS: 2.95% → $1k - $30k | 3.00% → $30k - $100k | 3.05% → $100k - $250k | 3.10% → $250k - $500k
3.15%*$500k*-Business 48 Month CD
OTHER TIERS: 2.95% → $1k - $30k | 3.00% → $30k - $100k | 3.05% → $100k - $250k | 3.10% → $250k - $500k
3.05%*$500k*-36 Month CD
OTHER TIERS: 2.85% → $1k - $30k | 2.90% → $30k - $100k | 2.95% → $100k - $250k | 3.00% → $250k - $500k
3.05%*$500k*-Business 36 Month CD
OTHER TIERS: 2.85% → $1k - $30k | 2.90% → $30k - $100k | 2.95% → $100k - $250k | 3.00% → $250k - $500k
2.95%*$500k*-24 Month CD
OTHER TIERS: 2.75% → $1k - $30k | 2.80% → $30k - $100k | 2.85% → $100k - $250k | 2.90% → $250k - $500k
2.95%*$500k*-Business 24 Month CD
OTHER TIERS: 2.75% → $1k - $30k | 2.80% → $30k - $100k | 2.85% → $100k - $250k | 2.90% → $250k - $500k
2.85%*$500k*-12 Month CD
OTHER TIERS: 2.65% → $1k - $30k | 2.70% → $30k - $100k | 2.75% → $100k - $250k | 2.80% → $250k - $500k
2.85%*$500k*-Business 12 Month CD
OTHER TIERS: 2.65% → $1k - $30k | 2.70% → $30k - $100k | 2.75% → $100k - $250k | 2.80% → $250k - $500k
2.75%$250-24 Month Learn2Save CD
2.65%$250-12 Month Learn2Save CD
0.75%*$0$25k12 Month Save To Win CD
OTHER TIERS: 0.10% → $25k+

ELGA Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.55%$1k-20 Month IRA Special
3.51%*$500k*-72 Month IRA
OTHER TIERS: 3.20% → $1k - $30k | 3.25% → $30k - $100k | 3.30% → $100k - $250k | 3.40% → $250k - $500k
3.45%*$500k*-60 Month IRA
OTHER TIERS: 3.15% → $1k - $30k | 3.20% → $30k - $100k | 3.25% → $100k - $250k | 3.35% → $250k - $500k
3.15%*$500k*-48 Month IRA
OTHER TIERS: 2.95% → $1k - $30k | 3.00% → $30k - $100k | 3.05% → $100k - $250k | 3.10% → $250k - $500k
3.05%*$500k*-36 Month IRA
OTHER TIERS: 2.85% → $1k - $30k | 2.90% → $30k - $100k | 2.95% → $100k - $250k | 3.00% → $250k - $500k
2.95%*$500k*-24 Month IRA
OTHER TIERS: 2.75% → $1k - $30k | 2.80% → $30k - $100k | 2.85% → $100k - $250k | 2.90% → $250k - $500k
2.85%*$500k*-12 Month IRA
OTHER TIERS: 2.65% → $1k - $30k | 2.70% → $30k - $100k | 2.75% → $100k - $250k | 2.80% → $250k - $500k
1.51%*$500k*-IRA Tiered Savings
OTHER TIERS: 0.50% → $0 - $10k | 0.75% → $10k - $50k | 1.00% → $50k - $200k | 1.25% → $200k - $500k
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