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    Home state: Michigan
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    ELGA mortgage rates

    ELGA's lowest publicly advertised 30-year fixed rate today is 7.596% APR — the national average is 7.147%. We read ELGA's rates every weekday, starting around 11 a.m. Central.

    We last read ELGA's rates page on Nov 2, 2026.

    Today's rates from ELGA

    ProductRateAPRPointsWe readSource
    30 Year Fixed7.375%7.596%0Nov 2, 2026Visit
    20 Year Fixed6.75%7.029%0Nov 2, 2026Visit
    15 Year Fixed6.5%6.845%0Nov 2, 2026Visit
    10 Year Fixed6.4%6.885%0Nov 2, 2026Visit
    3 Year ARM6.375%6.583%0Nov 2, 2026Visit
    5 Year ARM6.5%6.71%0Nov 2, 2026Visit
    7 Year ARM6.625%6.836%0Nov 2, 2026Visit
    FHA 30 Year Fixed7.625%7.903%0.5Nov 2, 2026Visit
    VA 30 Year Fixed7.625%7.93%0.75Nov 2, 2026Visit
    10 Year Fixed Refinance6.4%6.885%0Nov 2, 2026Visit
    15 Year Fixed Refinance6.5%6.845%0Nov 2, 2026Visit
    20 Year Fixed Refinance6.75%7.029%0Nov 2, 2026Visit
    3 Year ARM Refinance6.375%6.583%0Nov 2, 2026Visit
    30 Year Fixed Refinance7.375%7.596%0Nov 2, 2026Visit
    5 Year ARM Refinance6.5%6.71%0Nov 2, 2026Visit
    7 Year ARM Refinance6.625%6.836%0Nov 2, 2026Visit
    FHA 30 Year Fixed Refinance7.625%7.903%0.5Nov 2, 2026Visit
    USDA 30 Year Fixed Refinance7.625%7.903%0.5Nov 2, 2026Visit
    VA 30 Year Fixed Refinance7.625%7.93%0.75Nov 2, 2026Visit
    Visit ELGA's rates page

    Rate history

    Lowest daily APR, or rate when APR is not published, for each product over the 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

    ELGA publishes mortgage lending in 1 state.

    Michigan

    Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.

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