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Refer A Friend & Earn

Invite a Friend & You’ll Each Get Rewarded

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Special Offers

Lock Rates Now and Add Future Funds Later

Advantage Certificate

Top off within six months 3.50 % APY1 up to your initial deposit once

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This is Worth Sharing. Refer a Friend & Earn!

REFER A FRIEND & EARN!

Refer a Friend Today Get $50. Give $50. Share the rewards! When meeting eligibility requirements2

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Lock in Your Earnings

8-MONTH CERTIFICATE

Get a Guaranteed Rate 3.90 % APY3 Learn more and get started today

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In the Community

Our Commitment to Community Impact

Nine years ago, we established our annual Purpose Day—a day dedicated to giving back to the neighborhoods our members call home. Learn how our team stepped away from the office to volunteer with six different nonprofit organizations, putting our purpose into action.

Purpose Day 2025

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.

Join Our Movement

In the News

Group check presentation

Elements Joins National Member Protection Initiative to Advance Member-First Scam Protection

The initiative brings together forward-leaning credit unions committed to taking a proactive, leadership-driven approach to member protection.

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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 a Credit Union

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 5% of credit unions in the U.S., with more than 100,000 members and $2.2 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 90,000+ surcharge-free ATMs and 5,000+ shared branches worldwide.

Find an ATM or Branch

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.

Learn more about Online Banking

  1. 1 Advantage Certificate Annual Percentage Yield (APY) effective as of May 1, 2026, and may change without notice. Minimum deposit of $1,000 to open certificate. Primary members under the age of 18 must have a $500 minimum deposit to open certificate. Minimum of $500 balance required to earn dividends. With the Advantage Certificate, one (1) additional deposit may be credited to the certificate within the first six months of the term. The maximum allowable additional deposit must not exceed the amount of the initial deposit. For example, if you open this certificate with a $1,000 deposit, the amount of the one additional deposit is limited to $1,000. Any funds over $1,000 will be transferred into your member share account. All Advantage Certificates automatically renew into a 1 year share certificate at the then current dividend rate and APY, with no option for additional deposits.  Maximum three (3) Advantage Certificates per household. Penalty for early withdrawal. Elements reserves the right to amend or discontinue offers at any time and to limit the balance of a certificate at any time.
  2. 2 Elements Financial - Refer-A-Friend Checking Account Offer: The Elements member making the referral (Referrer) will earn a $50 Visa® Virtual Reward for each individual referred (Referred Person) to Elements Financial who registers for the offer via ReferLive, opens a new Elements Financial personal checking account, and completes the offer requirements within the time specified in the offer. To make a referral, the Referrer must be an Elements member, register for the program and share the offer with their friends, family, or coworkers. A Referrer may earn up to $500 in Visa Virtual Reward within a calendar year. Only one Referrer may receive a Visa Virtual Reward for each Referred Person who fulfills the requirements.

    Offer Requirements: To earn a $50 Visa Virtual Reward, the Referred Person must register by following the link provided in the referral email or on social media, open a new Elements Financial personal checking account, and meet the following requirements within 90 days of account opening:

    • Have two (2) or more external direct deposits of $500 or more each.
      • A qualifying direct deposit must be an electronic deposit of your paycheck, pension, or other government benefits (such as Social Security) from your employer or the government. Person-to-Person payments including but not limited to Zelle® and Venmo®, and transfers from external accounts, do not qualify as direct deposits under the Program.

    The Referred Person is subject to membership eligibility, and will be considered ineligible if they currently have, or have had a previous Elements checking account within the last 180 days.

    The Referrer authorizes the sending of communications to each Referred Person. The email may not be recovered if the person has “opted out” of marketing material from Elements Financial or ReferLive. Each person who registers at ReferLive authorizes future communications including emails regarding the program unless they “opt out” by making an election at ReferLive or within such email. The Referred Person acknowledges that a Visa Virtual Reward will be issued to the Referrer after all conditions have been met in the time frames provided.

    Please allow 2-3 weeks after completion of all requirements for delivery of the Visa Virtual Reward. The Visa Virtual Rewards are subject to Terms and Conditions delivered with the reward and expire 6 months after date of issuance. Virtual Rewards may be reported as income to the IRS.

    Visa Virtual Reward is a registered trademark of Visa, Inc. Visa is not a participant or sponsor of this promotion.

    Referral links are issued solely for individual, personal, and non-commercial use. The Referrer expressly agrees not to use the referral program or any referral link in a manner that is intended, or could reasonably be expected, to manipulate, exploit, misrepresent, or otherwise harm the referral program, or its members, including through fraudulent activity, gaming of incentives, or circumvention of program controls. Elements Financial reserves the right, at its sole discretion, to deactivate referral links, deny or revoke rewards, and take any additional action deemed appropriate if Elements Financial determines that the Referrer and/or Referred Person engaged in misuse, or other prohibited activity, including but not limited to establishing or using an account for the purpose of exploiting the promotional offer or otherwise engaging in promotional abuse.

    Use of Elements Financial trademarks, logos, or copyrighted website content in third-party videos, advertisements, or digital content without express written consent is strictly prohibited and may result in disqualification from the program, forfeiture of any rewards, and further legal action.

    These terms and conditions may change at any time without notice. The Referred Person and Referrer must both have an open membership in good standing at the time the rewards are to be paid.

    Federally Insured by NCUA.

  3. 3 Share Certificate Annual Percentage Yield (APY) effective as of May 1, 2026, and may change without notice. Minimum deposit of $1,000 to open certificate. Primary members under the age of 18 must have a $500 minimum deposit to open certificate. Minimum of $500 balance required to earn dividends. 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. Penalty for early withdrawal. Elements reserves the right to amend or discontinue offers at any time and to limit the balance of a certificate at any time.