Elga Credit Union VISA Rewards | Consumer Financial Protection Bureau

Nationwide

Availability

Eligibility requirements

ELGA Credit Union member affiliation
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

(800) 882-6457

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

9.9% – 17.9%*

*As of Jun. 30, 2024. Advertised purchase APRs change over time and are specific to the applicant, based on your credit score. Check rates before applying.

Here are typical APRs for different credit scores for this card:

Credit score	Median purchase APR	Comparison to other cards
620-719	13.57%	1 dollar sign symbol Pay less interest

After opening the credit card, the purchase APR is fixed, meaning it will not go up or down with changes to an index, but it may still change. Learn more about APRs in general and about fixed versus variable APRs.

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%

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: A minimum interest payment of $25 is required to avoid additional fees
Grace period: None, interest begins accruing on purchases immediately
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 and $25 for a late payment within six billing cycles of another late payment
Over-limit fee: None
Card Replacement Fee: $5 (Request by member for replacement of card.)
Pick-up Fee: $75 (If card has been blocked as lost or stolen and is recovered and use was attempted, there will be a $75.00 charge.)

Rewards and perks

Travel and other

Other rewards: Relationship Reward Points earned for purchases.

Card features

Contactless Payments
Chip card

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

4.9%*

+

$0

*As of Jun. 30, 2024. Advertised balance transfer APRs change over time and are specific to the applicant, based on your credit score. Check rates before applying.

Here are typical balance transfer APRs for different credit scores for this card:

Credit score	Median balance transfer APR
620-719	4.9%

After 6 months, any remaining unpaid balance on your account will be subject to interest charges based on your purchase APR.

Cash advance interest rate and fees

9.9% – 17.9%*

+

$0

*As of Jun. 30, 2024. Advertised cash advance APRs change over time and are specific to the applicant, based on your credit score. Check rates before applying.

Here are typical cash advance APRs for different credit scores for this card:

Credit score	Median cash advance APR
620-719	13.57%

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.