The ELGA Credit Union is a mortgage from ELGA Credit Union. The ongoing APR is 10 Year Fixed: as low as 6.650% (APR 7.137%); 15 Year Fixed: as low as 6.750% (APR 7.097%); 20 Year Fixed: as low as 7.000% (APR 7.281%); 15 Year Balloon – 30 Year Payment: as low as 7.250% (APR 7.469%); Vacant Land: as low as 8.250% (APR 8.483%); discount points 0.000. Loan terms: 10 Year Fixed, 15 Year Fixed, 20 Year Fixed, 15 Year Balloon – 30 Year Payment, Vacant Land.