D 17 75 VISA Low Rate ACCT Disclosures ELGACU

Elga Credit Union's filed agreement for D 17 75 VISA Low Rate ACCT Disclosures ELGACU 01 01 2026 discloses a 17.75% purchase APR and no annual fee. The purchase rate sits at roughly the 23rd percentile of the 4,587 agreements indexed here.

What this filing discloses

Elga Credit Union submitted the terms for D 17 75 VISA Low Rate ACCT Disclosures ELGACU 01 01 2026 to the CFPB's agreement database; this is what they contain. It is issued on the Visa network and the filing runs one page.

The disclosure covers a purchase rate, an annual fee line, a late payment maximum, a foreign transaction fee and a grace period. It is silent on a cash advance rate, a balance transfer rate and a penalty rate.

How the purchase rate compares

The purchase APR of 17.75% places this agreement around the 23rd percentile of the set — it undercuts the typical filing.

What the rate means in dollars

Carry $1,500 on this card for a year without paying it down and the purchase rate alone generates roughly $291 in interest.

Measured against the 21.99% corpus median, the same $1,500 costs approximately $78 less per year here.

Month to month it reads as about $22.04 per cycle on that balance.

Treat this as an illustration of what the disclosed rate does, not as a projection of a real account, which would be shaped by payments and by the fees described elsewhere in the filing.

Where the fees are

No annual fee appears in the filing, in line with the roughly 75% of disclosing agreements in this index that charge nothing to hold the card.

Foreign transactions attract 2%. On $1,500 of overseas spending that is $30, charged on top of whatever exchange rate applies.

What a missed payment costs

Late payments are capped at $25 under this filing, about the 32nd percentile of late fee maximums in the corpus.

Paying in full

The filing gives 25 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest. That matches the 25-day median across the corpus almost exactly.

How it sits in the issuer's own range

Elga Credit Union has 30 agreements indexed on this site. Their disclosed purchase rates run from 11.75% to 20.75%, and this one at 17.75% is more expensive than 18 of them.

What you cannot learn from the filing

This page cannot tell you penalty pricing, because the filing's disclosure table as read does not contain it.

What this analysis can address is bounded by the filing: rates, fees and the terms around them. Everything a card issuer might advertise — rewards, benefits, bonuses, who qualifies — falls outside the document and outside this review.

Reading the agreement yourself

The filed PDF is linked from this page and runs one page. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.

In short

At 17.75% the purchase rate is close to ordinary for this corpus; nothing in the rate table sets this filing far apart from its peers. Because there is no annual fee, everything depends on the revolving behaviour: used as a payment instrument and cleared monthly, this agreement costs nothing.