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like a bank, only better.

Higher Deposit Rates, Lower Loan Rates, Fewer Fees.

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Pick Your Certificate Term

18-MONTH, 13-MONTH, and 8-MONTH CERTIFICATES

Grow Your Money 4.50 % APY1 Limited Time Certificate Special

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Take Your Yield Higher

HIGH YIELD SAVINGS

Until October 31, 2023 4.25 % APY2 on Balances of $10,000 or Greater

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Our Most Popular Checking Account

HIGH INTEREST CHECKING

Get More from Your Money 5.00 % APY3 for New Accountholders for 12 Months on Balances up to $20,000

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In the Community

Human Elements Behind Our Success: Nick Shoemaker, Software Developer

Get a sense of our people at Elements in this monthly series. Read the article to learn more about one of our valued employees who drive our credit union to success.

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Partner with Elements

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 150 companies around the U.S.

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Featured News

Financial advisor talking to her client.

Commenting on our Safety, Soundness, and Stability

Given recent events in our industry and within the news, Elements Financial would like to speak to the safety, soundness, and stability of our credit union. As always, we are here to meet the financial wellness needs of our members.

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Focused on Your Financial Wellness

We're like a bank, only better. Better Rates. Fewer Fees. Trusted Advice. Fresh Approach. Respected Locally. Accessed Globally. High Tech. Human Touch.

Elements Financial is a credit union. What's a credit union? Glad you asked! A credit union is a not-for-profit financial institution that's owned by its members. That means we offer all the same products as a bank, but our profits are returned to our member-owners in the form of reduced fees, higher savings rates and lower loan rates.

About Elements

As a non-profit, member-owned credit union, Elements Financial has the ability to do some pretty amazing things for our members. While offering all the products, services and technologies of a conventional bank, our unique business model allows us to return profits to our member-owners in the form of reduced fees, higher savings rates and lower loan rates.

Benefits of Membership

Dependability and innovation: these twin concepts work in harmony to help Elements deliver financial wellness to members. Our practical financial advice is dependable enough to have earned us a ranking among the top 4% of credit unions in the U.S., with more than 100,000 members and $2.0 billion in assets. Our spirit of innovation spurs us to constantly search for better and more convenient amenities for our partners, such as holding financial workshops at their workplaces and online.

See Financial Resources

Elements Financial Federal Credit Union has been a part of the Central Indiana community since 1930. We’re proud of the respect and reputation we’ve earned in our community during those 90+ years. We’re also proud to offer our members access to our services wherever they go, with 78,000+ surcharge-free ATMs and 5,000+ shared branches worldwide.

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With digital services in place, we can offer convenience and ‘round-the-clock service through many channels; however, we never want that service to become cold and impersonal. We feel that we’ve gotten the formula right at Elements: modern technology made personal by 24/7 human support. Our purpose is to empower members to achieve financial success, and we have balanced resources to achieve that.

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  1. 1 Certificate Annual Percentage Yield (APY) effective as of March 1, 2023, and may change without notice. Fees may reduce earnings. Penalty for early withdrawal. *Limited Time Certificates Special — Limited-time offer may be withdrawn at any time. Unless redeemed, upon maturity, the 8-month certificate will automatically reinvest into a 6-month certificate at the then current APY; the 13-month certificate will automatically reinvest into a 12-month certificate at the then current APY; the 18-month certificate will automatically reinvest into an 18-month certificate at the then current APY.
  2. 2 High Yield Savings promotional Annual Percentage Yield (APY) accurate as of March 1, 2023. High Yield Savings is a tiered savings account paying a variable dividend rate, that may change at any time, on the entire balance in your account based on the rate for the tier corresponding to each day’s daily balance. Balances of $10,000.00 and above will earn a fixed promotional Annual Percentage Yield (APY) of 4.25% until October 31, 2023. The APY is 0.10% on balances up to $9,999.99. The promotional APY is available for new money only which are funds not on deposit at Elements for 90 days prior to opening the High Yield Savings account. Existing Elements members with savings accounts are eligible for the promotional APY upon depositing $25,000.00 or more of new money within 10 days of opening the High Yield Savings account. Existing Elements members with savings accounts with combined daily balances of $2,500.00 or less for the 90 days prior to account opening are excluded from the new money requirement. On November 1, 2023, the promotional APY will automatically convert to the then current non-promotional APY which is variable and may change at any time without notice. Additional information for each tier: A promotional APY of 0.10% applies to accounts with balances from $0.01 to $99.99; from $100.00 to $2,499.99; and from $2,500.00 to $9,999.99. A promotional APY of 4.25% applies to accounts with balances from $10,000.00 to $24,999.99; from $25,000.00 to $49,999.99; from $50,000.00 to $99,999.99; from $100,000.00 to $249,999.99; and $250,000.00 and above. At least one account holder must be 18 years of age. Other qualifications may apply. Promotional offer may be discontinued at any time. Fees may reduce earnings.
  3. 3 Promo 5 High Interest Checking (Promo HINT) is a High Interest Checking account with blended rate tiers, meaning the stated dividend rate will be paid on the portion of the balance for each tier. Tier 1 earns a promotional 5.00% fixed Annual Percentage Yield (APY on balances up to $20,000.00 for the first 12 months from the account opening date. *Tier 2 pays a blended APY ranging from 5.00% to 2.02% on balances from $20,000.01 to $50,000.00 and is variable and may change at any time without notice. To earn Tier 1 or Tier 2 dividend rates, 15 qualifying transactions must be performed during each statement cycle. Accounts not meeting the qualifying transaction threshold will earn 0.05% APY which is variable and may change at any time. Rates are accurate as of March 1, 2023. On the first day of the month following the account opening anniversary month, the Promo 5 High Interest Checking (Promo HINT) APY will automatically convert to the then current non-promotional High Interest Checking account APY which is variable and may change at any time without notice. Current High Interest Checking account holders, Promo 4 High Interest Checking account holders and those with any High Interest Checking accounts closed less than 180 days are not eligible. An existing High Interest Checking and Promo 4 High Interest Checking account cannot be converted to the Promo 5 High Interest Checking (Promo HINT) account. Limit one Promo 5 High Interest Checking (Promo HINT) account per person. Other qualifications may apply. Promotional offer may be discontinued at any time. Only the following are qualifying transactions: Debit card purchases, checks, bill payments, ATM withdrawals and ACH withdrawals. No other transactions qualify. At least one account holder must be at least 18 years old. Fees may reduce earnings.