The ELGA Credit Union is a personal loan from ELGA Credit Union. The ongoing APR is 1-60 Months: as low as 9.40% APR; 61-84 Months: as low as 10.40% APR. Typical credit limit: Minimum Home Improvement Loan amount is $5,000. Loan terms: 1-60 Months or 61-84 Months.