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Like a Bank, Only Better.

Higher Deposit Rates, Lower Loan Rates, Fewer Fees.

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Home Equity Line of Credit — 100% Flexibility for What You Purchase

Intro rates as low as 1.99% APR3 on New HELOCs for 6 months then as low as 5.00% variable APR.

  • Access your equity simply and easily with the Equity Access Card
  • No closing costs  /  No annual fee  /
    No prepayment penalties
  • Most closings in two weeks or less

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Elements in the Community

Elements Financial's First-Ever 'Paint the Town Red' Event

Elements Financial's First-Ever 'Paint the Town Red' Event

Recently several members of our staff spent the day out in the community committing small acts of kindness as part of Paint the Town Red.

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Band of Believers in Elements Financial

We’re Building a Band of Believers in Financial Wellness

For over 80 years, Elements Financial Federal Credit Union has been the trusted financial services partner of Eli Lilly. Today we serve the employees of over 100 companies around the U.S.

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In the News

Home Improvements Tips For Summer Time

BLOG POST - Home Improvements Tips For Summer Time

The warmer months of the year can serve as a great opportunity to give your home some much needed TLC.

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  1. 1 Certificate Annual Percentage Yield (APY) effective as of June 1, 2018, and may change without notice. Fees may reduce earnings.
  2. 2 Minimum certificate deposit of $1,000. Maximum is $250,000 deposit per certificate; $1 million per household. Minimum required to open a child’s certificate is $500; child must be under 18 years of age. Minimum of $500 balance required to earn dividends. We may impose a penalty if you withdraw any of the principal before maturity.
  3. 3 Each individual's Annual Percentage Rate (APR) is determined by the applicant's credit history. Not all applicants will qualify for the displayed lowest rates. Home Equity Line of Credit: The Introductory Annual Percentage Rate (APR) of 1.99% is for new home equity lines of credit only and is for the first six months. To receive the Introductory rate, a draw of at least $5,000 must be made within 30 days of account opening. After the introductory rate expires, balances will be charged at the variable APR based upon the Prime rate as published in The Wall Street Journal plus a margin. The APR will never be lower than 3.75% or higher than 18%. Rates vary depending upon credit history, combined loan-to-value (CLTV), and occupancy. The stated rate, correct as of 6/25/18, applies to borrowers with credit scores of 740 or greater, CLTV 80% or less, and owner-occupied single-family residences. Elements Financial will pay flood determination fee, title search, and simple valuation. You may be required to pay other costs such as recording fees, taxes, and when required, appraisal fees. These costs vary by state and property type. Elements Financial reserves the right to modify or end this offer at any time. Additional terms and conditions may apply. Subject to credit approval. Elements Financial Membership Required.