The ELGA Credit Union is a home equity loan from ELGA Credit Union. The ongoing APR is 5 Year: as low as 6.500% (APR 6.750%); 10 Year: as low as 7.740% (APR 8.038%); 15 Year: as low as 8.740% (APR 8.961%). Loan terms: 5, 10 or 15 years; fixed interest rate for the life of the loan with monthly payments.