--- title: "Elca Credit Union Rates - Illinois" description: "Current auto loan, personal loan, and credit card rates from Elca Credit Union in Illinois. Updated daily with source verification. See who can join Elca Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/illinois/elca" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Elca Credit Union Rates - Illinois ### Auto & vehicle rates 1 offer | Product | Published | Rate | Term / condition | Status | | **36-Month Auto Loan** auto_any_36mo | — APR | 3.990% | 36 mo | Standard | Elca Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Unsecured Personal Loan** personal_unsecured | — APR | 7.990% | — | Standard | | **Personal Line of Credit** ploc_variable | — APR | 12.490% | — | Standard | Elca Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **World Mastercard®** credit_card | — APR | 14.990% | — | Standard | Elca Credit Union credit card rates as of November 12, 2026 Elca Credit Union is a credit union in Illinois. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/illinois/elca) , verified from [Elca Credit Union's official website](https://www.elcafcu.org/) Loading branch locator… ## About Elca Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 2.4K Assets $35.5M Founded 2015 Locations reported 1 NCUA charter 24866 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial education - Bilingual services - Credit-builder products - Payday Alternative Loans II Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**National Police** North Branch · Chicago · IL · 60656-1865 About 1.3 miles away](https://rateapi.dev/credit-unions/illinois/national-police) [**Selfreliance** Selfreliance NW Branch · Chicago · IL · 60656 About 2.1 miles away](https://rateapi.dev/credit-unions/illinois/selfreliance) [**Advia** Niles · Niles · IL · 60714-2747 About 2.3 miles away](https://rateapi.dev/credit-unions/michigan/advia) [**Great Lakes** Skokie Branch · skokie · IL · 60077 About 2.7 miles away](https://rateapi.dev/credit-unions/illinois/great-lakes) [**Polish & Slavic** Norridge Branch · Norridge · IL · 60706 About 2.8 miles away](https://rateapi.dev/credit-unions/new-york/polish-slavic) [**Partnership Financial** PARTNERSHIP FINANCIAL CREDIT UNION · MORTON GROVE · IL · 60053 About 3.4 miles away](https://rateapi.dev/credit-unions/illinois/partnership-financial) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Elca Credit Union Membership eligibility from Elca Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Elca Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer ELCA-affiliated organizations - Place of worship ELCA congregation, United Church of Christ - School ELCA-affiliated organizations Verified from [Elca Credit Union's membership page](https://www.elcafcu.org/new-membership) . Final membership determination is always made by the credit union. ## Membership rules for Elca Credit Union Employers · Schools · Places of worship 2 · Family 5 published paths to membership, last verified August 21, 2026, quoted from Elca Credit Union’s own published criteria. ### Employers 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of ELCA-affiliated organizations “Employees, students, volunteers, clients and other participants of ELCA-affiliated organizations You're eligible if you work, study or participate in ELCA-affiliated ministries” > [source ↗](https://www.elcafcu.org/new-membership) - Employee of ELCA-affiliated organizations ### Schools 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Student of ELCA-affiliated organizations (as written on the source page) “Employees, students, volunteers, clients and other participants of ELCA-affiliated organizations You're eligible if you work, study or participate in ELCA-affiliated ministries” > [source ↗](https://www.elcafcu.org/new-membership) - Student at ELCA-affiliated organizations ### Places of worship 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of ELCA congregation “Members and participants of ELCA congregations You're eligible if you worship, volunteer, or otherwise participate in ministry at any ELCA congregation.” > [source ↗](https://www.elcafcu.org/new-membership) - Member of ELCA congregation - Member of St. James United Church of Christ “Members and participants of UCC congregations and organizations You're eligible if you worship, volunteer, donate or otherwise participate in ministry at any congregation or organization of the United Church of Christ” > [source ↗](https://www.elcafcu.org/new-membership) - Member of St. James United Church of Christ ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member immediate family member “Family members of current members You're eligible if an immediate family member is already a member of the ELCA FCU.” > [source ↗](https://www.elcafcu.org/new-membership) - Family member (immediate family member) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Elca Credit Union? Yes No ## Work at Elca Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Elca Credit Union ranks against Illinois peers. - See which AI assistants fetched Elca Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Illinois - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=elca&state=illinois&code=IL&name=Elca%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Elca Credit Union offer? Elca Credit Union currently offers Auto loan, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Elca Credit Union rates updated? RateAPI verifies Elca Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Elca Credit Union's rate data? Rate data is collected directly from Elca Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Elca Credit Union? Elca Credit Union publishes its membership criteria on its own website. RateAPI tracks 5 published membership paths covering 1 employer, 1 school and 2 places of worship for Elca Credit Union, each quoted from Elca Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Elca Credit Union's rates against national credit-union benchmarks. [More Illinois credit unions](https://rateapi.dev/credit-unions/illinois) [Illinois auto loan rate leaders](https://rateapi.dev/auto-loan-rates/illinois) [Illinois personal loan leaders](https://rateapi.dev/personal-loan-rates/illinois) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.elcafcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Elca Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Illinois credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Elca Credit Union curl "https://api.rateapi.dev/credit-unions/illinois /elca " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Elca Credit Union locations Search, filter, and browse all 1 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/illinois/elca Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp