The ELGA Credit Union is a mortgage from ELGA Credit Union. The ongoing APR is 10 Year Fixed: as low as 7.900% (APR 8.399%); 15 Year Fixed: as low as 8.000% (APR 8.360%); 20 Year Fixed: as low as 8.250% (APR 8.546%); 15 Year Balloon – 30 Year Payment: as low as 8.500% (APR 8.737%); discount points 0.000. Loan terms: 10 Year Fixed, 15 Year Fixed, 20 Year Fixed, 15 Year Balloon – 30 Year Payment.