Elga Credit Union Flint MI | Affordable Auto Loans & Checking Accounts

Introduction

Welcome to Elga, your trusted credit union located in the heart of Flint, MI, at 600 S Saginaw St. Since our establishment in 1968, we have been dedicated to serving our community with a focus on member satisfaction and financial empowerment. With a robust membership base of 98,406 and total assets amounting to an impressive $1,549,071,974, we are proud to be a cornerstone of financial support for individuals and families in our area. At Elga, we believe in building strong relationships with our members, providing personalized banking solutions tailored to meet their unique needs. Our offerings include everything from checking and savings accounts to auto loans and mortgage financing. In fact, we currently hold a total loan portfolio of 93,371, demonstrating our commitment to helping members achieve their financial goals. Our leadership team, headed by CEO Terry Katzur and Board President Harold Mott, is dedicated to fostering a culture of trust and community engagement. With a team of 306 employees, we're here to ensure that you receive the best possible service every time you visit us or connect through our online platforms. While members can visit us at our branch location, we encourage you to explore all that we offer by visiting our website at www.elgacu.com. Whether you're looking for assistance with loans or simply want to learn more about managing your finances, we're here for you. Feel free to reach out by phone at 810-715-3542 during our lobby hours from 9:30 AM to 5:30 PM on weekdays. Join us today as we continue to strengthen the community through responsible banking practices and member-focused services. Together, let's build a brighter financial future!

Branch History & Mission

At Elga, our story began in 1968, when we first opened our doors in the heart of Flint, Michigan. Since then, we have grown into a trusted financial partner for over 98,000 members. Located at 600 S Saginaw St Flint, MI 48502, our branch has become a cornerstone of the community, providing essential banking services and support to individuals and families alike. Throughout the years, Elga has evolved significantly. We've expanded our offerings to include personal and business banking solutions, auto loans, mortgages, and credit cards with rewards. With total assets reaching an impressive $1,549,071,974, we are proud to maintain a strong financial foundation while prioritizing the needs of our members. Our commitment to service is reflected in our total membership, which showcases the trust that the community places in us. Our mission is simple yet powerful: to provide accessible financial services while fostering a spirit of community support. We strive to empower our members by offering tools and resources that help them achieve their financial goals. From checking accounts to debt consolidation loans, we are dedicated to making banking easier and more effective for everyone. While members can visit us at 600 S Saginaw St Flint Mi 48502, official correspondence should be sent to nan, nan, nan nan if it differs from our branch address. We operate Monday through Friday from 9:30 am to 5:30 pm, ensuring that we're available when you need us most. Our branch features an ATM for convenient cash access but does not have drive-thru service or shared service centers. At Elga, we are not just about transactions; we care deeply about community engagement. Over the years, we have partnered with local organizations and participated in outreach efforts aimed at improving the lives of those around us. Whether it's sponsoring events or supporting local initiatives, we believe in giving back to Flint and its residents. As technology advances, so do we. Our digital offerings include online and mobile banking options that allow members to manage their finances from anywhere at any time. With features like e-statements and person-to-person payments, we ensure that your banking experience is both modern and user-friendly. We invite you to join the Elga family today! Discover how our personalized services can make a difference in your financial journey. For more information or to open an account online, visit us at Elga Credit Union or call us at 810-715-3542. Experience firsthand how we're committed to serving Flint and helping our members thrive!

Branch Location & Accessibility

Accessibility Features

At Elga, we prioritize accessibility for all members. Our branch is ADA compliant and equipped with ramps and accessible entry points to ensure everyone can visit us comfortably. Plus, ample parking is available nearby for your convenience.

Contact Us Today

Ready to explore what Elga has to offer? We encourage you to stop by our Downtown Flint branch or give us a call at 810-715-3542. Our friendly staff is eager to assist you with any questions you may have. Come visit us today and experience the difference at Elga!

Operating Hours

We understand that life can get busy! That's why our lobby hours are set from 9:30 AM to 5:30 PM, Monday through Friday. Feel free to drop by during these times when it's most convenient for you!

Services Offered

Our Downtown Flint location offers an array of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and credit cards with rewards, we have something for everyone. If you're interested in business banking or online services, we provide those too!

Member Eligibility

Becoming a member of Elga is like joining a family that truly cares about your financial well-being. We welcome anyone who lives, works, worships, or attends school in the communities we serve. This means if you're part of our local area, you're already eligible! Plus, there are additional ways to qualify, which you can find detailed on our website at http://www.elgacu.com/bank/become-a-member/. Joining us not only opens the door to a variety of banking services tailored just for you but also brings the advantage of being part of a community-focused credit union that prioritizes your needs. Getting started is simple and straightforward. You can open an account online by visiting https://elgacu.financialhost.org/registration, or feel free to give us a call at (810) 715-3542 if you have any questions. We're here to help you every step of the way! Your journey toward better banking begins with us at Elga, located at 600 S Saginaw St Flint Mi 48502.

Business Banking & Commercial Services

Lending for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $1,525 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $2 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $149,592,376, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Work

In addition to loans, we offer merchant services that simplify payment processing. Imagine running your business without the hassle of complicated transactions our services ensure you can accept payments quickly and efficiently, allowing you to focus on what matters most: growing your business. Located at 600 S Saginaw St Flint Mi 48502 in Flint, MI, our team is ready to partner with you. Contact us at (810) 715-3542 to learn how we can help take your business to the next level!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash fast? With our convenient ATM services, accessing cash is easy and efficient. You can withdraw money or check your balance at any time without hassle. At Elga, we pride ourselves on making banking accessible and straightforward. Whether you're visiting us in person or using our digital tools like online banking and mobile payments, we're here for you every step of the way. Feel free to reach out by calling us at (810) 715-3542 during our lobby hours from 9:30 AM to 5:30 PM Monday through Friday. Explore all our services today at Downtown Flint and see how we can help you achieve financial success!

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans and vehicle financing options make it simple for you to get behind the wheel of your dream vehicle. We offer competitive rates and flexible terms, ensuring that you find a plan that fits your budget perfectly.

Business Banking

If you're a business owner, we know how important it is to have reliable banking services. Our business banking solutions, including merchant services and business loans, are designed to support local entrepreneurs like you in achieving your goals.

Credit Cards with Rewards

Why not earn rewards while spending? Our credit cards with rewards give you points on purchases that can be redeemed for various benefits. It's an excellent way to maximize your everyday spending!

Mortgage Loans & Refinancing

For those ready to take the step into homeownership or looking to refinance an existing mortgage, our mortgage loans provide great solutions with personalized assistance throughout the process. Our team is here to guide you through every step, making sure you understand all your options.

Personal Banking

At Elga, we understand that personal banking is the foundation of your financial journey. Our checking and savings accounts are designed to help you save while enjoying easy access to your funds. With our online and mobile banking options, managing your money has never been easier. You can check balances, make transfers, and pay bills from the comfort of your home or on the go.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way, which is why we offer personal loans and debt consolidation services. Whether you're planning for a big purchase or need assistance managing debt, our loan officers will work with you to find the best solution.

Digital & Online Banking

Key Features

One of the highlights of our digital services is the availability of e-statements. No more waiting for paper statements to arrive in the mail! You can access your account statements electronically whenever you need them, which not only saves time but also helps the environment. For those who love using their mobile devices, our mobile application makes banking even easier. With features like mobile payments and person-to-person transfers, sending money to friends or making purchases has never been simpler or faster. And yes, we offer electronic signature authorization so you can sign documents securely from the comfort of your home. Security is a top priority for us. Our systems use advanced encryption technology to keep your information safe while you're banking online or through our app. You can have peace of mind knowing that your finances are protected. At Elga, we believe that banking should be accessible and straightforward. Our digital services provide real-time account management at your fingertips helping you stay on top of your financial goals effortlessly. Join us today and experience hassle-free banking like never before!

Financial Strength

Commitment to Innovation and Growth

With $225,498,882 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals across various sectors with $25,661 in used auto loans and $1,202,515,854 in total loans and leases.

Growing Membership Base

We are proud to have a strong member base with 234,001 total share accounts. This reflects the trust that our community places in us as their financial partner. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Elga is your trusted partner. Visit us at 600 S Saginaw St Flint Mi 48502 or call (810) 715-3542 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Member-Centric Savings

Your savings are secure with us. We hold $137,373,491 in share certificates and $382,055,773 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $49,643,677, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 294 full-time employees and 12 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Foundation

With a net worth of $401,522,380, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $2,587 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $384,046,925 in used vehicle loans and $94,175,508 in new vehicle loans already helping members get on the road. Whether you're interested in financing a new vehicle or a reliable used car, we have options that fit your budget and lifestyle.

Business Solutions

For business owners, our outstanding commercial loans totaling $149,592,376 provide the capital needed to grow and expand. Whether you're looking to invest in new equipment or increase inventory, our team is ready to assist you in finding the right financing solution for your business needs. At Elga, we prioritize transparency and accessibility. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. For more information or to explore our loan offerings further, don't hesitate to contact us at (810) 715-3542. We're here to help you every step of the way!

Credit Lines

For those who need additional financial flexibility, our credit lines totaling $263,127,345 can provide immediate access to funds when unexpected expenses arise. This option allows you to borrow only what you need while maintaining control over your finances.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $77,194,234, make buying or refinancing simple. We offer competitive rates and flexible terms to help you secure your dream home. If you're considering refinancing, we can guide you through eligibility options tailored for your situation.

Unsecured Credit Card Loans

Managing day-to-day expenses is crucial, which is why we also offer flexible terms on unsecured credit card loans, with a total of $64,232,832 in loans helping members manage their finances effectively. Our credit cards come with various benefits designed to enhance your purchasing power without the burden of high-interest rates.

Loan Aggregator

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Ensuring Accurate Comparisons

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Elga