About Us

ELGA Credit Union is a people oriented financial institution 

We are a not-for-profit cooperative; formed, owned and operated for a single purpose: members helping members. We have a proud tradition of service to our members since 1951.

ELGA has branches in Genesee, Lapeer, and Saginaw counties, as well as a robust online banking app for computers, smart phones and tablets. 

We have a fleet of ATMs at our branches, McLaren Hospital in Flint, and we are part of the nearly 30,000 CO-OP and MoneyPass networks of surcharge free ATMs.

Our Mission is Building Lifelong Relationships

Who can join ELGA Credit Union? 

  • Individuals who live, work, worship, volunteer, or attend school within Genesee, Saginaw, Lapeer, Shiawassee, Oakland, and Livingston Counties are eligible to join.
  • Employees or retirees of Consumers Energy Company working or living in the Counties of Genesee, Lapeer, Sanilac, or Shiawassee. 
  • Employees, members or retirees of groups, as follows: 
    • Government of the State of Michigan who live or work in the Counties of Arenac, Bay, Genesee, Huron, Midland, Saginaw, Sanilac or Tuscola, Michigan. 
    • Organizations which contract with agencies of the State of Michigan to provide janitorial services to those offices which are located in the counties listed above. 
    • Saginaw Valley State University, including students and alumni. 
  • Employees or members of employer groups or other organized groups which are located within 25 miles of the Credit Union’s main office or a branch office.
  • Members of record and members of groups being served as evidenced by the records of the merged credit union as of the date of merger of the following:
    • Building Trades AFL-CIO Credit Union, Flint, Michigan effective August 1, 1988.
    • North Flint Catholic Credit Union, Flint, Michigan, effective June 1, 1990.
  • Members of record of Valley State Credit Union, Saginaw, Michigan as of March 31, 2017.
  • Employees of the credit union.  
  • Any person who receives a retirement annuity, pension, social security, or similar retirement payment from private or government sources, and lives in, or belongs to a retirement organization located in the county, or in a county contiguous to the county where the credit union’s principal place of business is located. 
  • Members of the immediate families of any current ELGA Members.
  • Any legal entity that is comprised for the most part of the same general group as the membership of the credit union as outlined above
  • A spouse of a deceased member if accepted into membership prior to remarriage.
  • Any person making a $25.00 donation to the Salvation Army Bed and Bread Program.



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