Elga Credit Union VISA Rewards | Consumer Financial Protection Bureau

Nationwide

Availability

Eligibility requirements

ELGA Credit Union Membership qualifications
This card is from a credit union, a not-for-profit, member-owned institution that you must join before applying for the card. Check with the credit union for membership requirements, which typically include living in certain areas or working for certain employers.

Review details with the company before applying

APRs change over time and are specific to the applicant. Check rates before applying.

Web

elgacu.com

Phone

(810) 715-3542

Did you know: This card is from a credit union, which often offer lower interest rates and could save you hundreds of dollars per year.

Purchase interest rate and fees

This card does not charge interest on purchases.

4.9% for 6 months

Your introductory APR will vary based on your credit score. Here are typical introductory APRs for different credit scores for this card:

Credit score	Median intro APR
620-719	4.9%
720+	4.9%

If a card has promotional interest, ensure you’re on track to pay off the balance within the promotional period, or you could end up owing more in interest than the original purchase amount. Learn more about introductory APR offers.

Foreign transaction fee: 2% of each purchase
Minimum finance charge: No minimum interest payment is required to avoid additional fees
Grace period: 30 days until interest begins to accrue on purchases
Balance computation method: Monthly interest is calculated based on your average daily balance including new purchases

Learn more about how credit card interest is calculated.

Fees

$0

Late fee: $25 for the first late payment
Over-limit fee: None
Replacement Card Fee: $5 (Replacement card mailed to member ahead of card expiration date)
Rush Replacement Card: $10 (Replacement card ahead of card expiration date, instant issued in a branch)
Rush Delivery: $30 (Charged when mailed replacement card is rushed from the vendor)

Rewards and perks

Other

Other rewards: Card holders accrue 1 relationship reward point for every dollar spent

Card features

Contactless Payments
Chip card
Mobile wallet provisioning (for example, Apple Pay)

Did you know: If you carry a balance on your credit card, interest and fees typically exceed the value of any rewards earned. Learn why rewards may not be as beneficial as they seem.

Balance transfer interest rate and fees

This card does not offer balance transfers.

Cash advance interest rate and fees

4.9% – 9.9%*

+

$0

*As of Dec. 31, 2024. Advertised cash advance APRs change over time. Check rates before applying.

The median cash advance APR for this card is 7.4%.

Did you know: If you use your card to transfer a balance or get a cash advance, you may have to start paying interest on some or all of your total balance, including new purchases, as of the date of the transaction.