Today's rates from ELGA
| Product | Rate | APR | Points | As of | Source | |
|---|---|---|---|---|---|---|
| 30 Year Fixed | 7.125% | 7.356% | 0.125 | Sep 11, 2026 | Visit | |
| 20 Year Fixed | 6.75% | 7.029% | 0 | Sep 11, 2026 | Visit | |
| 15 Year Fixed | 6.5% | 6.845% | 0 | Sep 11, 2026 | Visit | |
| 10 Year Fixed | 6.4% | 6.885% | 0 | Sep 11, 2026 | Visit | |
| 3 Year ARM | 6.25% | 6.456% | 0 | Sep 11, 2026 | Visit | |
| 5 Year ARM | 6.375% | 6.583% | 0 | Sep 11, 2026 | Visit | |
| 7 Year ARM | 6.5% | 6.71% | 0 | Sep 11, 2026 | Visit | |
| FHA 30 Year Fixed | 7.125% | 7.343% | 0 | Sep 11, 2026 | Visit | |
| VA 30 Year Fixed | 7.125% | 7.356% | 0.125 | Sep 11, 2026 | Visit | |
| USDA 30 Year Fixed | 7.125% | 7.343% | 0 | Sep 11, 2026 | Visit | |
| 10 Year Fixed Refinance | 6.4% | 6.885% | 0 | Sep 11, 2026 | Visit | |
| 15 Year Fixed Refinance | 6.5% | 6.845% | 0 | Sep 11, 2026 | Visit | |
| 20 Year Fixed Refinance | 6.75% | 7.029% | 0 | Sep 11, 2026 | Visit | |
| 3 Year ARM Refinance | 6.25% | 6.456% | 0 | Sep 11, 2026 | Visit | |
| 30 Year Fixed Refinance | 7.125% | 7.356% | 0.125 | Sep 11, 2026 | Visit | |
| 5 Year ARM Refinance | 6.375% | 6.583% | 0 | Sep 11, 2026 | Visit | |
| 7 Year ARM Refinance | 6.5% | 6.71% | 0 | Sep 11, 2026 | Visit | |
| FHA 30 Year Fixed Refinance | 7.125% | 7.343% | 0 | Sep 11, 2026 | Visit | |
| USDA 30 Year Fixed Refinance | 7.125% | 7.343% | 0 | Sep 11, 2026 | Visit | |
| VA 30 Year Fixed Refinance | 7.125% | 7.356% | 0.125 | Sep 11, 2026 | Visit |
Rate history
Lowest daily rate ELGA advertised for each product, past 90 days.
Collecting data — the trend chart appears after a few days of tracking.
Who can join ELGA
Membership in ELGA Credit Union is open to those who live, work, worship, or attend school in Genesee or Shiawassee counties. Immediate family members of a current ELGA Credit Union member are also eligible. The credit union has participated in in-school branch programs to provide financial education and a foundation for future membership.
County
Genesee County, MI, Shiawassee County, MI
Where ELGA writes mortgages
Lending states not published; shown as serving its chartered area. Confirm directly with ELGA.
Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.
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