Elga Credit UnionVisa Rewards Credit CardRegistry illustration · issuer artwork unavailable

Visa Rewards Credit CardElga Credit Union · state credit union, MI · NCUA 61797

CurrentLast observed Oct 13, 2026Official issuerCredit card · Consumer · VisaNetwork stated on issuer website

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Purchase APR

—

Balance transfer

—

Cash advance APR

—

Annual fee

No Annual Fee

a year

Foreign fee

—

Grace period

—

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	—	no source read
APR for balance transfers	—	no source read
APR for cash advances	—	no source read
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	—	no source read
Annual fee	No Annual FeeELGA · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	“No Annual Fee”ELGA · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	Website
Transaction fees
Cash advance	—	no source read
Balance transfer	—	no source read
Foreign transaction	—	no source read
Penalty fees
Late payment	—	no source read
Returned payment	—	no source read
Purchase rewardsNot disclosed	1 point per $1. See source conditions for eligible purchases.ELGA · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	“Earn 1 point for every dollar spent!”ELGA · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	Website
Rewards conditionsPurchase rewards	Point posting timing is not disclosed. Point expiration is not disclosed. Point redemption options are not disclosed. Earn 1 point for every dollar spent!ELGA · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	“Earn 1 point for every dollar spent!”ELGA · Page Capture Oct 13, 2026 · Captured Oct 13, 2026	Website

A+-13.75 - VISA Rewards ACCT Disclosures - ELGACU - 01-01-26page 1 of 1

Visa Rewards Credit Card Account Disclosures

6065 Grand Pointe Blvd. Grand Blanc, MI 48439 Ph 810-715-3542 · TF 800-882-6457 Fx 810-600-2590 · www.ELGACU.com

INTEREST RATES AND INTEREST CHARGES Annual Percentage Rate (APR) for Purchases, Balance Transfers and Cash Advances · 13.75% This rate will vary with the market based on the Prime Rate. Paying Interest · Your due date is at least 25 days after the close of each billing cycle. We will not charge any interest on the portion of the purchases balance thatyou pay by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau · To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at: http://www.consumerfinance.gov/learnmore.

FEES Annual Fee · None Transaction Fees • Cash Advance Fee • Balance Transfer Fee • Foreign Transaction Fee · None None Up to 2% of the US dollar amount of the foreign transaction. This fee applies to any credit card transaction made at a location in a for- eign country, or payable to a merchant located in a foreign country even if you initiate the transaction from within the United States. Penalty Fees • Late Payment Fee • Over-the-Credit Limit Fee • Returned Payment Fee · Up to $25 None $25

Other Fees:

Replacement Card

Rush Replacement Card

$10

Rush Delivery of Card $30

How We Will Calculate Your Balance: We use a method called 'average daily balance' (including new purchases).

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Credit Card Account Agreement.

Additional Information

Periodic Rate: The Monthly Periodic Rate for the Purchases, Balance Transfers, and Credit Advances APR shown above is: 13.75%.

Margin: The margin that we add to the index rate to determine your Annual Percentage Rate is: 7.00%. The APR will not exceed 25.0%.

These Account Disclosures are part of and integrated with your VISA Credit Card Agreement with ELGA Credit Union. We reserve the right to amend the VISA Credit Card Agreement as permitted by law. The above rates and fees are effective as of January 1, 2026.

1Page 1 is cited

Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

ELGA
Page Capture Oct 13, 2026 · Captured Oct 13, 2026 · record official-issuer:page:url:23fae188578faa46aef8af5dad0dcc4f9385e907cccfdfb512faccab101a3045
“No Annual Fee”
Open source link ↗
ELGA
Page Capture Oct 13, 2026 · Captured Oct 13, 2026 · record official-issuer:page:url:23fae188578faa46aef8af5dad0dcc4f9385e907cccfdfb512faccab101a3045
“Earn 1 point for every dollar spent!”
Open source link ↗
ELGA
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Your due date is at least 25 days after the close of each billing cycle. We will not charge any interest on the portion of the purchases balance thatyou pay by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
ELGA
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Your due date is at least 25 days after the close of each billing cycle. We will not charge any interest on the portion of the purchases balance thatyou pay by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
ELGA
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Your due date is at least 25 days after the close of each billing cycle. We will not charge any interest on the portion of the purchases balance thatyou pay by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
ELGA
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Your due date is at least 25 days after the close of each billing cycle. We will not charge any interest on the portion of the purchases balance thatyou pay by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
ELGA
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Your due date is at least 25 days after the close of each billing cycle. We will not charge any interest on the portion of the purchases balance thatyou pay by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
ELGA
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Your due date is at least 25 days after the close of each billing cycle. We will not charge any interest on the portion of the purchases balance thatyou pay by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
ELGA
Page Capture Oct 13, 2026 · Captured Oct 13, 2026 · record official-issuer:page:url:23fae188578faa46aef8af5dad0dcc4f9385e907cccfdfb512faccab101a3045
“14.00% – 21.00%”
Additional source detail; structured values remain unknown. The page gives a numeric APR range for this card, but does not state whether it applies to purchases, balance transfers or cash advances. Transaction purpose is not inferred.
Open source link ↗
ELGA
Page Capture Oct 13, 2026 · Captured Oct 13, 2026 · record official-issuer:page:url:23fae188578faa46aef8af5dad0dcc4f9385e907cccfdfb512faccab101a3045
“VISA Rewards”
Open source link ↗

History

dates on sources or when they were captured

Oct 13, 2026: Annual fee, Rewards

Offered through: Elga Credit Union
Legal issuer: Not established by retained evidence
Regulator: NCUA charter 61797
Branches: 17 in MI
Sources: Official issuer · 6 documents · 1 page cited

Documents

A+-13.75 - VISA Rewards ACCT Disclosures - ELGACU - 01-01-26effective date not parsed
A-14.75 - VISA Rewards ACCT Disclosures - ELGACU - 01-01-26effective date not parsed
B-16.75 - VISA Rewards ACCT Disclosures - ELGACU - 01-01-26effective date not parsed
C-17.75 - VISA Rewards ACCT Disclosures - ELGACU - 01-01-26effective date not parsed
D-19.75 - VISA Rewards ACCT Disclosures - ELGACU - 01-01-26effective date not parsed
E-20.75 - VISA Rewards ACCT Disclosures - ELGACU - 01-01-26effective date not parsed

Visa Rewards Credit CardElga Credit Union · state credit union, MI · NCUA 61797

Rates and fees