ELGA Credit Union will be reducing the Non-Sufficient Funds (NSF) and Courtesy Pay service charges from $25 to $15 effective January 3, 2022. An overdraft occurs when you do not have enough money in your account to cover a transaction. Overdraft transactions may be paid at our discretion based on your account history, deposits made, and ...Annual rankings utilize Market Intelligence's profitability and growth data and introduced a new category highlighting banks by region NEW YORK, M... Annual rankings utilize Market...ELGA Credit Union is organized differently than a bank. We are a non-profit financial cooperative owned by our members. ... ELGA Credit Union. About; Locations & Hours; Careers; Contact Us; Routing #: 272479935. Bank Accounts & Membership. Join Today. Become a Member; Business Resources; Checking; …Online Banking; Endowment Campaign. ELGA Credit Union Foundation is building an endowment. The donations to the endowment fund will build interest which allows the foundation to give back over and over again for the years to come. Those who donate to the endowment through this campaign will receive their name on a donor sign which is … Student loans from ELGA Credit Union in partnership with Sallie Mae® could help! For those attending a degree-granting institution. Whether you’re an undergraduate or graduate student these flexible loans are designed to meet your needs: – Competitive variable and fixed interest rates. – No origination fee or prepayment penalty1. A card that rewards your everyday spending. Earn 1 point for every dollar spent. 4.9% Intro APR*. No Annual Fee. Contactless Capabilities (Tap to Pay) *4.9% intro APR applies to all purchases on NEW VISA Cash Back, Low Rate, and Rewards cards only for the first 6 months from account opening. Thereafter, the regular APR will apply (as low as 9.9 ... Focus Checking is designed to help you manage your checking account and take control of your finances. $10 monthly service charge. $50 minimum balance requirement. VISA Debit Card. Track your finances using ELGA Credit Union’s Online and Mobile Banking with Alerts. Earn Relationship Reward points!Even more great features: Free Bill Pay. eStatements. Transfer to and from external accounts at other financial institutions. Send secure messages to our Member Service Center. Account alerts delivered via voice, text, or email. Nickname and reorder your accounts. Connect and download your account information to Quicken.Paychex is a full-service payroll provider for small businesses, paying 1 in 12 private-sector workers in the U.S. Benefits of Paychex payroll services include: Flexible Payroll Reporting. How you report your hours is up to you. Payroll input options include: Phone – A quick call with your dedicated Paychex rep.ELGA Credit Union has 11 branches in Genesee, Lapeer, and Saginaw counties, as well as robust online banking for computers, smart phones and tablets. We have over 30,000 surcharge-free ATMs available to you at our branches, inside Flint's Hurley and McLaren hospitals, and through the Money Pass or CO-OP Networks. …Enjoy the Convenience of Online and Mobile Banking: Manage your finances anytime, anywhere with our secure and user-friendly online and mobile … Balances below $1,000 on ELGA Elite will earn regular savings rate unless under $200 then will not earn interest. BAMM! Accounts: To earn the Qualifying Rate, you must have a checking account with an average daily balance of $5,000 monthly OR an ELGA VISA Credit Card with monthly purchases totaling $2,500 or more in the calendar month. ELGA Credit Union members can get started in minutes. All you have to do is log in to ELGA Online or Mobile banking, navigate to EasyVest, and select Get Started. You will be asked a series of questions to help the platform understand what you’re hoping to achieve and create an investment strategy customized to you.Nov 14, 2023 ... ELGA Credit Union. City. Grand Blanc. State. MI. Project Title. ELGA Credit Union's Mobile Banking Branch for Banking Deserts in Flint, MI.Accessing Your Account. There are many ways to access your money and manage your ELGA Credit Union accounts. These options include Online and Mobile Banking, ELGA’s call center, your ELGA Debit and Credit Card, visiting ELGA Credit Union ATMs and Teller Machines, and access to a network of over 30,000 Co-Op ATMs.. You can also utilize …Online Banking; Share Certificates. Save for long-term gain. ... Must be an ELGA Credit Union Member; Minimum deposit of $1,000 (no maximum) Early redemption penalty; Learn2Save: Minimum Opening Balance & Balance to Earn Dividends: $250.00. Months. APY. Dividend Rate. Learn2Save 12 Month. 2.65%. Phone Number: (810) 715-3542. Report Phone Problem. Address: ELGA Credit Union Lapeer Branch 799 S Harrison Street Lapeer, MI 48446. Website: Visit Website. Online Banking: ELGA Credit Union Login. Embracing technology, ELGA Credit Union in Saginaw offers comprehensive digital banking services, allowing members to manage their finances online or via mobile apps. Features include mobile check deposit, bill pay, account alerts, and person-to-person payment services, making banking convenient and accessible 24/7. Business Login. Enter your account password & answer the security question to sign in. Password. BackSign In. Forgot Password•Manage my PIB profile. Become a MemberPIB. Frankenmuth Credit Union. Phone:(810) 715-3542. Additional Contact Details:ELGA Credit Union - Flint Downtown Branch. Downtime status for ELGA Credit Union Flint Downtown Branch: website down, app down, online banking login issues, telephone, and atm & branch availability. Student loans from ELGA Credit Union in partnership with Sallie Mae® could help! For those attending a degree-granting institution. Whether you’re an undergraduate or graduate student these flexible loans are designed to meet your needs: – Competitive variable and fixed interest rates. – No origination fee or prepayment penalty1. Here is how it works: Enroll Your Checking Account – Enroll your ELGA checking account in our Save Your Change automatic savings program. Make Everyday Purchases – Use the debit card (s) attached to the enrolled checking account to make purchases like you normally do. Watch Your Savings Build – The amount of each of your debit card ...Below is a collection of useful forms, available in PDF format, for our members. Account Reconciliation Form. Affidavit of Forgery. Cardholder Dispute Form. CUNA Bond Claim Form. Written Statement of Unauthorized Debit. QuickBooks for Windows Conversion. QuickBooks for Mac Conversion. Quicken Essentials for Windows Conversion.Wire Transfer from ELGA: *You can initiate wire transfers, add wire payees, and view wire history within ELGA Online Banking. You can also initiate wire transfers at any ELGA Credit Union branch, or by calling our call center at (810) 715-3542. It is recommended that you call the receiving bank and ask them for their incoming wire How to Library. from. ELGA Credit Union. Our How to Library will show you how to get the most out of your ELGA Online and Mobile Banking. These tutorials will take you step by step through all of our online and mobile services. Even more great features: Free Bill Pay. eStatements. Transfer to and from external accounts at other financial institutions. Send secure messages to our Member Service Center. Account alerts delivered via voice, text, or email. Nickname and reorder your accounts. Connect and download your account information to Quicken.ELGA Atira Reload Cards. Especially well-suited for travelers, teens, and college students. You are never stranded with our ELGA Reload Card. Only spend what you have. Access your account online at www.ATIRAreload.com. You will receive your card in the mail in 5-7 business days. More great features:Address: ELGA Credit Union Lapeer Branch 799 S Harrison Street Lapeer, MI 48446. Website: Visit Website. Online Banking: ELGA Credit Union Login. Report Online …Personal loans in Arizona with low APRs & high amounts. Compare loans from Arizona banks/credit unions & national lenders. Find the best loan in Arizona. WalletHub makes it easy to...UPDATE: Online and Mobile Banking issues have been resolved. Thank you for your patience! ELGA Online and Mobile Banking are currently experiencing a...Submit your application online in just minutes. Lower your current monthly payment*. Competitive Rates. ELGA Credit Union is proud to partner with local dealerships to provide you with a quality buying experience from start to finish. When you are looking to purchase your next vehicle, look no further than one of our preferred dealerships.Purchase. We offer a variety of mortgage options suited to what you need, purchase or refinance. It’s so easy, we’ll do everything but pack for you! 10, 15, 20, and 30-year terms available. Fannie Mae, FHA, Rural Development, VA financing. FHA Loan. A Federal Housing Administration (FHA) loan is a mortgage insured by the government and ...ELGA Credit Union promotes financial wellness by offering FREE Financial Fitness video workshops to members and non-members. Our videos are designed to meet you where you are financially and give you the tools to achieve financial success. The budgeting skills gained will help put money back into your budget and allow you to …We would like to show you a description here but the site won’t allow us.When it comes to finding a financial institution that you can trust, Ent Credit Union Colorado is an excellent choice. With a wide range of services and products, Ent Credit Union ...Online banking - Servus Credit Union Online banking lets you manage your money anytime, anywhere. You can pay bills, transfer funds, check balances, and more. Plus, you can earn cash rewards and enter the Servus Big Share Contest. Join Servus today and enjoy the benefits of online banking.ELGA Credit Union is organized differently than a bank. We are a non-profit financial cooperative owned by our members. ... ELGA Credit Union. About; Locations & Hours; Careers; Contact Us; Routing #: 272479935. Bank Accounts & Membership. Join Today. Become a Member; Business Resources; Checking; …Phone Number: (810) 715-3542. Report Phone Problem. Address: ELGA Credit Union Flint Branch 5072 Corunna Road Flint, MI 48532. Website: Visit Website. Online Banking:Online Banking; Web Accessibility Statement. ELGA Credit Union is all about simplifying the member experience and enhancing everyone’s ability to manage their finances as effortlessly as possible. This includes providing a website that is accessible to all audiences. What We Believe. Contact ELGA Credit Union Saginaw. Phone Number: (810) 715-3542. Report Phone Problem. Address: ELGA Credit Union Saginaw Branch 2686 McLeod Drive N Saginaw, MI 48604. Website: Visit Website. Online Banking: Paychex is a full-service payroll provider for small businesses, paying 1 in 12 private-sector workers in the U.S. Benefits of Paychex payroll services include: Flexible Payroll Reporting. How you report your hours is up to you. Payroll input options include: Phone – A quick call with your dedicated Paychex rep.There's usually no limit to how much money you can put into a checking or savings account, but CDs and money markets are usually set up with specific amounts offered by the bank or...Jan 27, 2023 ... ELGA Credit Union - Feel Good About Where You Bank Q1. 69 views · 1 year ago ...more. Try YouTube Kids. An app made just for kids. Simply request a 12-month Save to Win share certificate and make an opening deposit of $25. This initial deposit is your first step to saving, and your first entry into the monthly and quarterly prize drawings. To participate you must be at least 18 years old. When you Save to Win, you not only get a chance at winning up to $5,000 each ... Online Banking; Give the Gift of Money! As we approach the holiday season, ELGA Credit Union is excited to bring a little extra comfort and joy to you and your loved ones. This year, consider the convenience of CUMONEY® Visa® gift cards for your holiday gifting and spending needs. ...ELGA Credit Union is organized differently than a bank. We are a non-profit financial cooperative owned by our members. Get the most out of your account by adding ELGA Perks $6.95/mo **. One FREE box of ELGA checks per year. Up to $1,000 Overdraft Privilege. Roadside Assistance. Shopping, Travel & Entertainment Discounts. $10,000 AD&D Insurance. Identity Theft Protection. Cell Phone Protection. Pharmacy and Eye Care Discounts. Pentagon Federal Credit Union — known to most simply as PenFed — is a popular credit union in Virginia that offers the common services that most banks and credit unions offer their... Learn how to access your accounts, pay bills, transfer funds, apply for loans, and more with ELGA Online and Mobile Banking. Watch videos and download the app to get started. Purchase. We offer a variety of mortgage options suited to what you need, purchase or refinance. It’s so easy, we’ll do everything but pack for you! 10, 15, 20, and 30-year terms available. Fannie Mae, FHA, Rural Development, VA financing. FHA Loan. A Federal Housing Administration (FHA) loan is a mortgage insured by the government and ...ELGA Credit Union is organized differently than a bank. We are a non-profit financial cooperative owned by our members. ... ELGA Credit Union. About; Locations & Hours; Careers; Contact Us; Routing #: 272479935. Bank Accounts & Membership. Join Today. Become a Member; Business Resources; Checking; …Paychex is a full-service payroll provider for small businesses, paying 1 in 12 private-sector workers in the U.S. Benefits of Paychex payroll services include: Flexible Payroll Reporting. How you report your hours is up to you. Payroll input options include: Phone – A quick call with your dedicated Paychex rep.Online Banking; Employment. If you are looking to become part of an energetic team in a fast-growing business, ELGA Credit Union may be the right fit for you. Explore what ELGA has to offer! Check out our benefits and perks in our Associate Benefits Magazine. Associate Benefits Magazine.2686 McLeod Drive NSaginaw, MI48604(810) 715-3542. Branch Details. ELGA Credit Union Branch Locations - hours, phone, maps and more.We can help make sure your business succeeds. Loan rates and approval subject to credit score and analysis. See credit union for details. Loan rates subject to change without notice. Equal opportunity lender. This credit union is federally insured by the National Credit Union Administration. See current loan rates and disclosures. 2686 McLeod Drive NSaginaw, MI48604(810) 715-3542. Branch Details. ELGA Credit Union Branch Locations - hours, phone, maps and more. ELGA Credit Union promotes financial wellness by offering FREE Financial Fitness video workshops to members and non-members. Our videos are designed to meet you where you are financially and give you the tools to achieve financial success. The budgeting skills gained will help put money back into your budget and allow you to … An ELGA VISA Credit Card with monthly spend of $2,500. Not a member yet? You can open an account online or at one of our convenient locations. Rate Information: Balance of $25,000 – $99,999.99. Standard Rate: 1.71% APY Qualifying Rate: 3.30% APY. Balance of $100,000 – $249,999.99. ELGA offers a variety of Wealth Management services, including: Retirement Services. 401 (k) Management. Individual Retirement Accounts. Education Funding. Investing and Advisory Services. Annuities. Insurance. Small Business Services.0.750. 7.891%. VA. As low as 6.625%. 2.125. 6.965%. Annual Percentage Rate (APR) based on an estimated loan amount of $175,000. The actual interest rate to you may vary based on several factors including but not limited to down payment, occupancy type, property type, and your credit history. All rates subject to change without notice. ELGA Online and Mobile Banking. Stay in touch with your business’s finances from your computer or mobile device. You’ll have access to your information from virtually anywhere, 24 hours a day – 7 days a week! Check balances; Check loan rates and loan balances; Find out which checks have cleared; Pay bills online; ACH Direct deposit of ... Simply request a 12-month Save to Win share certificate and make an opening deposit of $25. This initial deposit is your first step to saving, and your first entry into the monthly and quarterly prize drawings. To participate you must be at least 18 years old. When you Save to Win, you not only get a chance at winning up to $5,000 each ...More small businesses are looking to credit unions (CUs) to help them get loans through the Paycheck Protection Program’s (PPP) second round. More small businesses are looking to c...When it comes to managing your finances, choosing the right credit union is crucial. In Colorado, one credit union that stands out among the rest is Ent Credit Union. One of the ma...Online Banking; Web Accessibility Statement. ELGA Credit Union is all about simplifying the member experience and enhancing everyone’s ability to manage their finances as effortlessly as possible. This includes providing a website that is accessible to all audiences. What We Believe.If you’re shopping for a place to keep your money, you have several options. National banks offer the convenience of a large number of ATMs and branches. Local banks give you perso...Online Banking; About | Locations & Hours | Careers | Contact Us. Search for: Routing #: 272479935. Skip to main content. Bank Accounts & Membership; Borrow Loans & Credit; ... The link you clicked will take you away from the ELGA Credit Union website and we have no control over the content of the linked page. Would you like to continue?ELGA Credit Union is organized differently than a bank. We are a non-profit financial cooperative owned by our members. ... ELGA Credit Union. About; Locations & Hours; Careers; Contact Us; Routing #: 272479935. Bank Accounts & Membership. Join Today. Become a Member; Business Resources; Checking; …Below is a collection of useful forms, available in PDF format, for our members. Account Reconciliation Form. Affidavit of Forgery. Cardholder Dispute Form. CUNA Bond Claim Form. Written Statement of Unauthorized Debit. QuickBooks for Windows Conversion. QuickBooks for Mac Conversion. Quicken Essentials for Windows Conversion.Address: ELGA Credit Union Lapeer Branch 799 S Harrison Street Lapeer, MI 48446. Website: Visit Website. Online Banking: ELGA Credit Union Login. Report Online …We reviewed the best business bank accounts for LLCs, including Navy Federal Credit Union for best for former military, Novo for best self-employed option, and Digital Federal Cred...ELGA Credit Union is organized differently than a bank. We are a non-profit financial cooperative owned by our members. ... ELGA Credit Union. About; Locations & Hours; Careers; Contact Us; Routing #: 272479935. Bank Accounts & Membership. Join Today. Become a Member; Business Resources; Checking; … Join us for the ABC12 Diaper Drive on Friday, June 2nd 2023 – We will be broadcasting live from 8am to 6pm at ELGA Credit Union on Center Rd in Burton, and collecting donations at all ELGA Credit Union Locations. With your help, we can give every child something they deserve – the chance to be clean and safe. Together, we can help change ... ELGA Credit Union is organized differently than a bank. We are a non-profit financial cooperative owned by our members. ... ELGA Credit Union. About; Locations & Hours; Careers; Contact Us; Routing #: 272479935. Bank Accounts & Membership. Join Today. Become a Member; Business Resources; Checking; … 2686 McLeod Drive NSaginaw, MI48604(810) 715-3542. Branch Details. ELGA Credit Union Branch Locations - hours, phone, maps and more. Contact ELGA to set up automatic transfer from your ELGA checking or savings account. Visit a branch or call (810) 715-3542. Online Banking. Click on ‘Transfers’ to transfer funds from your ELGA account. You can create a one-time transfer or set up a recurring payment. Enroll in Online/Mobile Banking . Mobile Banking Achieve your goals with the Visa Everyday Spend Prepaid Card. Load, reload and relax with money management tools that help you stay within your budget. Available for a $5.00 fee & $1.50 monthly service fee. Ordered in branch & mailed to member. Reloadable. Load any amount from $10 – $5,000. 2.5 year expiration date (cards reissue upon exp.)Focus Checking is designed to help you manage your checking account and take control of your finances. $10 monthly service charge. $50 minimum balance requirement. VISA Debit Card. Track your finances using ELGA Credit Union’s Online and Mobile Banking with Alerts. Earn Relationship Reward points!Business Login. Enter your account password & answer the security question to sign in. Password. BackSign In. Forgot Password•Manage my PIB profile. Become a …Union Bank’s basic business checking offers unlimited transactions with no monthly fee. Our review covers features, costs, and alternatives. Banking | Editorial Review REVIEWED BY:... Student loans from ELGA Credit Union in partnership with Sallie Mae® could help! For those attending a degree-granting institution. Whether you’re an undergraduate or graduate student these flexible loans are designed to meet your needs: – Competitive variable and fixed interest rates. – No origination fee or prepayment penalty1. 2686 McLeod Drive NSaginaw, MI48604(810) 715-3542. Branch Details. ELGA Credit Union Branch Locations - hours, phone, maps and more.Have you tried XpressLink Mobile Banking yet? Members are giving us feedback that they LOVE it! We have a new mobile banking demo at...ELGA Credit Union is organized differently than a bank. We are a non-profit financial cooperative owned by our members. ... ELGA Credit Union. About; Locations & Hours; Careers; Contact Us; Routing #: 272479935. Bank Accounts & Membership. Join Today. Become a Member; Business Resources; Checking; …ELGA Credit Union is organized differently than a bank. We are a non-profit financial cooperative owned by our members. ... ELGA Credit Union. About; Locations & Hours; Careers; Contact Us; Routing #: 272479935. Bank Accounts & Membership. Join Today. Become a Member; Business Resources; Checking; …October 7, 2020 ·. Important Notice: ELGA Online and Mobile Banking are currently experiencing a problem and we are working with our vendor to get this resolved. We …ELGA Credit Union is organized differently than a bank. We are a non-profit financial cooperative owned by our members. ... ELGA Credit Union. About; Locations & Hours; Careers; Contact Us; Routing #: 272479935. Bank Accounts & Membership. Join Today. Become a Member; Business Resources; Checking; …Download ELGA Credit Union Mobile app for your Apple device and access your accounts, transfers, payments, loans, and more. Read reviews, see screenshots, and learn about … Online Banking Login. Username: Sign in. Touch Authentication Quick Login. Quick Login. I forgot my username. Don't have a username? Download ELGA Credit Union Mobile app for your Apple device and access your accounts, transfers, payments, loans, and more. Read reviews, see screenshots, and learn about the app's privacy practices and features. ELGA Credit Union is organized differently than a bank. We are a non-profit financial cooperative owned by our members. ... ELGA Credit Union. About; Locations & Hours; Careers; Contact Us; Routing #: 272479935. Bank Accounts & Membership. Join Today. Become a Member; Business Resources; Checking; Deposit Rates; Locations & Hours; …Even more great features: Free Bill Pay. eStatements. Transfer to and from external accounts at other financial institutions. Send secure messages to our Member Service Center. Account alerts delivered via voice, text, or email. Nickname and reorder your accounts. Connect and download your account information to Quicken.
Phone:(810) 715-3542. Additional Contact Details:ELGA Credit Union Headquarters. . Floating notes
Contact ELGA Credit Union Clio. Phone Number: (810) 715-3542. Report Phone Problem. Address: ELGA Credit Union Clio Montose Branch 7026 W Vienna Road Clio, MI 48420. Website: Visit Website. Online Banking: 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. Any person making a $25.00 donation to the Salvation Army Bed and Bread Program. (this option not available. for online account opening) ELGA Credit Union is organized differently than a bank. We are a non-profit financial cooperative owned by our members. ... ELGA Credit Union. About; Locations & Hours; Careers; Contact Us; Routing #: 272479935. Bank Accounts & Membership. Join Today. Become a Member; Business Resources; Checking; … Checks: We have switched to Main Street for all check orders. To place an order please call (810)715-3542 or place your order through Online or Mobile Banking. Please have your reorder coupon handy when ordering checks. NMS : Neighborhood Mortgage Solutions Status. ELGA Routing Number: 272479935. Loan rates and approval subject to credit score and analysis. See credit union for details. Loan rates subject to change without notice. Equal opportunity lender. This credit union is federally insured by the National Credit Union Administration. NMLS: 408938 Any Moment Loans. You may have heard of unsecured, personal or signature loans. This is the same sort of thing. Any Moment Loans are: …to consolidate your debt into one place. …for the essential moments in life like when an appliance needs to be replaced. …for the moment creativity strikes and that remodel just won’t wait.To log into online banking for ELGA Credit Union, visit the website and click on the "Online Banking" or "Login" button, typically located at the top right corner. If you … Contact ELGA to set up automatic transfer from your ELGA checking or savings account. Visit a branch or call (810) 715-3542. Online Banking. Click on ‘Transfers’ to transfer funds from your ELGA account. You can create a one-time transfer or set up a recurring payment. Enroll in Online/Mobile Banking . Mobile Banking Online Banking: ELGA Credit Union Login. Report Online Banking Problem. Mobile App: ELGA Credit Union iPhone App ELGA Credit Union Android App. Report Mobile App …Online Banking; Endowment Campaign. ELGA Credit Union Foundation is building an endowment. The donations to the endowment fund will build interest which allows the foundation to give back over and over again for the years to come. Those who donate to the endowment through this campaign will receive their name on a donor sign which is …We list the banks that cash checks even if you don't have an account. Find the fees, limits, and more for non-customers at Wells Fargo and elsewhere. Some banks and credit unions w...A LEASE BUYOUT COULD BE YOUR BEST OPTION. If you’re not ready to give up the car you love at the end of your lease, consider purchasing it with an auto loan through ELGA Credit Union. First, look over your original lease agreement to determine how much it will cost to buy your car. Your leasing agreement should outline the residual value or ...Business Login. Enter your account password & answer the security question to sign in. Password. BackSign In. Forgot Password•Manage my PIB profile. Become a …How to Library. from. ELGA Credit Union. Our How to Library will show you how to get the most out of your ELGA Online and Mobile Banking. These tutorials will take you step by step through all of our online and mobile …We would like to show you a description here but the site won’t allow us.Jul 5, 2023 · Protecting Your Loved Ones from Elder Fraud. by Meghann Adams | May 3, 2023 | Scam Alerts. In 2022, Phyllis Wiseberg, a 90-year-old widow lost $20,000 when cybercriminals withdrew the money from her account. Her story, shared by the National Council on Aging, is devastating, but unfortunately not uncommon. Financial exploitation is a reality ... Phone Number: (810) 715-3542. Report Phone Problem. Address: ELGA Credit Union Lapeer Branch 799 S Harrison Street Lapeer, MI 48446. Website: Visit Website. Online Banking: ELGA Credit Union Login.4.9% Intro APR*. No Annual Fee. Contactless Capabilities (Tap to Pay) *4.9% intro APR applies to all purchases on NEW VISA Cash Back, Low Rate, and Rewards cards only for the first 6 months from account opening. Thereafter, the regular APR will apply (as low as 9.9% – 20.9% for Cash Back, Low Rate, and Rewards, ….