---
Field of Membership
Membership is open to anyone who lives, works, worships, or volunteers in the Michigan Counties of Genesee, Saginaw, Lapeer, Shiawassee, Oakland, or Livingston. Eligibility details...
NerdWallet's Consumer Friendliness Accolades
Credit Unions receive stars for meeting our consumer friendliness requirements.
Elga Credit Union is 5 stars better than your typical bank:
 Branches |  ATMs |  Low Late Fee |  No Int'l Fee |  No Advance Fee |
- Branch Convenience - This credit union is a member of CU Service Centers, a nationwide cooperative that allows customers to bank at over 4,000 partner credit union branches.
- ATM Convenience - This credit union is part of the CO-OP ATM Network, which gives you access to 28,000+ surcharge free ATMs around the country.
- ATM Convenience - This credit union is part of the MoneyPass ATM network, which gives customers access to over 20,000 surcharge-free ATMs around the country.
- Low Late Fees - The legal maximum limit of $35, which is what many banks charge. But this credit union only charges up to $20.
- No Foreign Transaction Fee - Most credit unions charge around 1%, whereas most banks charge around 3%. Very few credit unions earn a star here, which requires the credit union to eat the ~1% fee charged by Visa/MasterCard.
- No Cash Advance Fee - Your typical bank charges around 3%, while many credit unions charge much less. We give out stars for 0% cash advance fees on credit cards.
How would you like to sort?
Alphabetical
Lowest Interest Rate
Best Rewards
Hint: Further refine your results by using the menu to the left