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like a bank, only better.

Higher Deposit Rates, Lower Loan Rates, Fewer Fees.

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Get More From Your Money

HIGH INTEREST CHECKING

2.00 % APY1 With only 15 qualifying transactions per statement cycle

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ELEMENTS CREDIT CARDS

Get a $200 Cash Bonus2 When you open and use a new Elements credit card

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Signature Rewards Visa® Credit Card

Earn rewards to redeem for travel, gift cards, or cash back.

Good Toward:

  • Earn 1.5% cash back and rewards for your everyday purchases.
  • $200 Cash Bonus just by using your card2.
  • No international transaction fee, no balance transfer fee, no annual fee3

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In the Community

Putting Our Purpose to Work

Putting Our Purpose to Work

While our staff would have typically gathered together for our 4th Annual Purpose Day to work on community-focused projects and visits local nonprofit organizations in-person, the day looked a bit different this year.

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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 140 companies around the U.S.

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In the News

Donation to Local At-Risk Scholars Supports Their College Dreams

Donation to Local At-Risk Scholars Supports Their College Dreams

Elements partnered with DREAM Alive to supply more than 20 laptop computers to local students.

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  1. 1 High Interest Checking Account Annual Percentage Yield (APY) effective as of October 1, 2021, is variable and may change after account is opened without notice. The APY is 2.00% on balances up to $20,000 and 0.10% on balances greater than $20,000 on accounts with 15 qualifying transactions per statement cycle. Only the following are qualifying transactions: Debit card purchases, checks, bill payments, ATM withdrawals and ACH withdrawals. No other transactions qualify. Dividends will be paid per statement cycle requirement. At least one account holder must be at least 18 years old. Accounts not meeting the qualifying transaction threshold will earn 0.05% APY. Fees may reduce earnings. See Truth in Savings Disclosures for details.
  2. 2 Credit Card Related $200 Cash Bonus Value Offer — requiring at least 10 card purchase transactions totaling at least net $1,000 within 90 days of card approval — will be fulfilled as a one-time $200 statement credit. Statement credit will not reduce your monthly payment. If the account is closed within six months, we reserve the right to add the amount of the statement credit back to your account balance at that time. Secured Credit Card excluded. Existing or previous Elements credit cardholders not eligible.  /  Offer subject to credit approval and may be taxable. Elements reserves the right to amend or discontinue offers at any time. Additional terms and conditions may apply. Please allow 4-6 weeks after qualifications are met for receipt of a statement credit. Product offers cannot be combined with other promotional offers for the same product. One offer per household.
  3. 3 Signature Rewards Visa Credit Card Transaction Fees — Credit Card Balance Transfer: None. Credit Card Cash Advance: Up to 3% for each Cash Advance or a minimum of $5.00.