Elga Credit Union Saginaw MI | Best Auto Loans & Mobile Banking

Introduction

Welcome to Elga Credit Union in Saginaw, where we believe that financial success is a journey best taken together. Established in 1968, our commitment to serving the community has grown stronger with time, as reflected in our dedicated membership of 98,406 individuals. Located at 2686 Mcleod Dr N, Saginaw, MI 48604, we are proud to offer a range of personal and business banking services tailored to meet your needs. At Elga, we understand that each member's financial goals are unique. With total assets amounting to an impressive $1,549,071,974 and total deposits of $138,889,113, we are equipped to support you whether you're looking for auto loans, mortgage solutions, or credit cards with rewards. Our financial strength is further evidenced by a net worth of $401,522,380 and over 93,371 loans and leases facilitated an indicator of our robust lending capabilities. While members can visit us at our Saginaw branch for personalized service, official correspondence should be sent to our mailing address at 2305 S Center Road, Burton, MI 48519. We invite you to explore all that Elga has to offer through our user-friendly website at elgacu.com. Under the leadership of CEO Terry Katzur and Board President Harold Mott, our team of over 306 employees is dedicated to ensuring you receive exceptional service and support throughout your financial journey. Whether you're coming in for advice or utilizing our online banking services from home, we're here for you every step of the way. We encourage you to reach out with any questions or to learn more about how we can assist you in achieving your financial dreams. Call us today at 810-715-3542, or stop by our branch during our operating hours: Monday through Tuesday from 9 AM to 5 PM; Wednesday from 10 AM to 5 PM; and Thursday through Friday from 9 AM to 6 PM. Join us at Elga Credit Union your partner in financial success!

Branch History & Mission

Community Focus

Elga's commitment extends beyond mere transactions; it's about building relationships within Saginaw and beyond. Through community outreach programs and financial education initiatives, we empower individuals with the knowledge they need for better financial decisions. Our collaborative efforts aim to create a brighter future for all residents of Saginaw County. As you consider your financial options, we invite you to join us at Elga. Experience firsthand how we can support your goals while contributing positively to the community. Together, let's make a difference! To learn more about membership opportunities or open an account today, please visit our website or call us at (810) 715-3542. Join Elga and be part of something special!

Our Mission

At Elga, our mission is simple yet profound: to improve the financial well-being of our members while enriching the communities we serve. We believe in putting people before profits and strive to offer not just exceptional financial products but also a warm community atmosphere where everyone feels welcome. By supporting local initiatives and fostering partnerships with various organizations, we work tirelessly to uplift those around us. In addition to traditional banking services, we embrace technology to enhance your experience. Our digital offerings include online banking, mobile payments, and e-statements, ensuring that you can manage your finances conveniently from anywhere. With ADA compliance as a priority, we are dedicated to making our services accessible for all. While members can visit us at 2686 Mcleod Dr N Saginaw Mi 48604, official correspondence should be sent to 2305 S Center Road, Burton, MI 48519. We understand that your time is valuable; that's why we have tailored our operating hours Monday through Tuesday from 9 AM to 5 PM, Wednesday from 10 AM to 5 PM, and Thursday through Friday from 9 AM to 6 PM to fit your busy schedule.

Branch Location & Accessibility

Banking Services and Features

At Elga, we offer a variety of banking services tailored for every member of the community. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, you'll find everything you need under one roof. If you're on the go, take advantage of our ATM services available at this location for quick cash withdrawals or balance checks. While we currently do not have drive-thru banking at this branch, our dedicated team is always ready to assist you inside. Should you need to send official correspondence, please use our mailing address: 2305 S Center Road, Burton, MI 48519.

Connect with Us!

We're excited to meet you! For any questions or if you'd like more information about our services, feel free to give us a call at 810-715-3542. Stop by our branch today and see how Elga Credit Union can support your financial journey!

Nearby Landmarks and Accessibility

Conveniently situated near local landmarks, our branch is just a short drive from major spots like the Fashion Square Mall and the Saginaw Valley State University. This prime location ensures that you can easily fit a visit into your busy schedule. We also prioritize accessibility; our facility is ADA compliant and equipped with ramps to ensure all members can visit us comfortably.

Operating Hours

We understand that life gets hectic, so we strive to accommodate your needs. Our lobby hours are as follows: on Mondays and Tuesdays, we are open from 9 AM to 5 PM; Wednesdays from 10 AM to 5 PM; and Thursdays and Fridays from 9 AM to 6 PM. Whether you prefer morning or evening visits, we're here when you need us.

Member Eligibility

Joining the Elga community is an exciting step toward better banking experiences, and we're thrilled to welcome you! To become a member, you'll need to meet some simple eligibility criteria. If you live, work, worship, or attend school in Saginaw County or have a family member who is already a member, you're likely eligible. We believe everyone deserves access to friendly and personalized financial services. Once you're ready to join us at our welcoming branch located at 2686 Mcleod Dr N Saginaw Mi 48604, simply visit our website for detailed information on eligibility at http://www.elgacu.com/bank/become-a-member/. If you have any questions or need assistance along the way, feel free to give us a call at (810) 715-3542. Opening an account with us is easy and can be done online too just head over to https://elgacu.financialhost.org/registration! We're excited to have you on board and look forward to helping you achieve your financial goals.

Business Banking & Commercial Services

Business Loan Options

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

In addition to loans, we offer merchant services that simplify transactions for your business. Imagine having a system that makes accepting payments easy, allowing you to focus on what you do best running your business. With secure payment processing and tailored solutions, our services help you enhance customer satisfaction while managing cash flow effectively. Discover how Elga can be your partner in success. Visit us at 2686 Mcleod Dr N Saginaw Mi 48604, Saginaw, MI or call us at (810) 715-3542 to learn more about how our business banking and commercial services can benefit you!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about buying a new car? Our auto loans provide competitive rates and flexible terms to get you on the road quickly. We understand that purchasing a vehicle is a significant decision, so our team is here to assist you throughout the financing process, ensuring you find a plan that fits your budget.

Business Banking Services

For those running their own businesses, Elga offers tailored business banking services including merchant services and business loans. We understand that every business is unique, which is why we provide customized solutions to help your business thrive.

Convenient Digital Banking Features

In today's fast-paced world, convenience matters. That's why we emphasize digital banking features like online banking, mobile payments, and person-to-person transfers. You can access your accounts anytime through our user-friendly app or website. Plus, with ATM access for withdrawals and balance checks available at locations near you, managing your finances has never been easier. At Elga, we're not just about transactions; we're about relationships. If you're interested in learning more about how we can support your financial journey, give us a call at (810) 715-3542 or visit us at 2686 Mcleod Dr N Saginaw Mi 48604 in Saginaw, MI. Let us help you achieve your financial dreams today!

Credit Cards with Rewards

Enjoy the benefits of shopping with our credit cards that offer rewards on your everyday purchases. From cash back to points for travel, our credit card options are designed with your needs in mind, allowing you to earn while you spend.

Mortgage Loans & Refinancing

Homeownership can be within reach thanks to our mortgage loans and refinancing options. Whether you're looking to buy your first home or refinance an existing mortgage for better rates, we provide personalized solutions to help you navigate the complexities of home financing. Our knowledgeable staff will guide you every step of the way.

Personal Banking Solutions

At Elga, we offer various personal banking services to help you manage your money effectively. Whether you're opening a checking or savings account, we've got options that fit your lifestyle. Our accounts come with features designed to make daily banking simple, such as online and mobile banking tools that let you check balances, transfer funds, and pay bills from anywhere.

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or want to consolidate debt, our personal loans can provide the financial relief you need. With straightforward terms and competitive interest rates, we aim to help our members achieve their financial goals without added stress.

Digital & Online Banking

Additional Features

Sending money to friends or family is a breeze with our person-to-person transfer service. Whether it's splitting a bill or helping out a loved one, you can do it instantly from anywhere! And if you enjoy the convenience of mobile payments, you'll be pleased to know that we support this feature as well. At Elga, our goal is to make banking accessible and easy for everyone. With real-time account management and user-friendly tools, you're always in control of your financial journey. We invite you to explore these features today and discover how our digital banking services can enhance your experience!

Key Services

Our robust online banking platform is available 24/7 at https://www.elgacu.com/. This means you can check your account balances, pay bills, and transfer money whenever it suits you day or night. Plus, with our mobile application, you can take care of your banking tasks right from your smartphone. Imagine making payments or checking your account while waiting in line or during your daily commute! Security is a top priority for us. With features like electronic signature authorization, you can sign documents digitally and securely without any hassle. Also, if you prefer to keep track of your statements electronically, we offer e-statements that are not only eco-friendly but also help you stay organized.

Financial Strength

At Elga, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are committed to providing you with the reliable services you deserve, ensuring that your hard-earned money is safe and sound. 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. Members' savings are secured through $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. 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 available to help you achieve what you want. 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. With a total of 234,001 accounts, our growing member base shows the trust placed in us by the community. 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 2686 Mcleod Dr N Saginaw Mi 48604 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.

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. We provide financing options for both new and used vehicles so you can choose what works best for your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $149,592,376 provide the capital needed to grow and expand. Whether you need funds for equipment purchases or operational costs, we're here to support your business journey.

Eligibility and Refinancing Options

We also provide refinancing options that can help reduce your monthly payments or lower your interest rates. If you're interested in finding out about eligibility requirements for any of our loan products, please visit this link. Our team at Elga is dedicated to helping you navigate through these financial decisions. If you have any questions or would like to learn more about our loan offerings, feel free to reach out at 810-715-3542 or visit us at 2686 Mcleod Dr N Saginaw Mi 48604. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore how Elga can help you meet your financial needs today!

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 various terms to help you find the right fit for your financial situation.

Unsecured Credit Card Loans

Managing everyday expenses is easier with our flexible unsecured credit card loans. With a total of $64,232,832 in loans helping members navigate their finances effectively, our credit card options come with rewards that make everyday spending more rewarding.

Loan Aggregator

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Ensuring Accurate Comparisons

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