E 18 75 VISA Low Rate ACCT Disclosures ELGACU

On the record for E 18 75 VISA Low Rate ACCT Disclosures ELGACU 01 01 2026: a 18.75% purchase APR and no annual fee, filed by Elga Credit Union. Against the 4,587 filings on this site, that rate lands around the 39th percentile.

What the agreement puts on the record

Elga Credit Union submitted the terms for E 18 75 VISA Low Rate ACCT Disclosures ELGACU 01 01 2026 to the CFPB's agreement database; this is what they contain. The filing runs one page, and It is issued on the Visa network.

Terms captured from the document include 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.

Where the purchase APR sits

At 18.75%, the purchase APR falls at roughly the 39th percentile of the 2,280 filings indexed here, which sits below the middle of the distribution.

What the rate means in dollars

The purchase rate turns a $1,200 revolving balance into roughly $247 of annual interest.

Priced at the median of 21.99%, that balance would generate about $295 in a year — so this agreement comes in around $48 cheaper for the same debt.

Month to month it reads as about $18.63 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.

Charges beyond interest

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.

The filing sets a 2% foreign transaction fee, which adds roughly $30 to $1,500 spent outside the United States.

Default pricing

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

The grace period

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.

Inside Elga Credit Union's filed lineup

There are 30 filings from Elga Credit Union in this index. Their disclosed purchase rates run from 11.75% to 20.75%, and this one at 18.75% is more expensive than 21 of them.

What is outside the disclosure

Absent from the captured terms: penalty pricing. The original document is the place to look for any of these.

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.

Where the authority sits

This summary stands or falls on the linked PDF — one page. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

18.75% is an unexceptional purchase rate in this collection, and the rest of the terms follow the same pattern. With no annual fee, the cost of the account is entirely a function of whether a balance is carried.