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like a bank, only better.

Higher Deposit Rates, Lower Loan Rates, Fewer Fees.

Get Started with Elements

New Home Equity Line of Credit Intro Rate as low as

1.99% APR2 For 6 months then as low as 3.75% variable APR

Learn More about HELOCs

Show Your Pride & Support The Tribe!

Introducing the Indianapolis Indians Signature Rewards Visa®


  • $200 Cash Bonus3 & $100 Donation to support Indianapolis Indians Charities4
  • Chance to win the opportunity to throw out the first pitch at an Indians game5
  • Free popcorn & soda at every Wednesday Day Game6

Learn More & Apply

Elements in the Community

Our Pillars of Giving

Our Pillars of Giving

At Elements, we are proud of our community. This pride is precisely why we have defined three focus areas for our community relations program.

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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 100 companies around the U.S.

Join Our Movement

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 March 20, 2020, is variable and may change after account is opened without notice. The APY is 2.00% on balances up to $20,000, 0.10% on balances greater than $20,000. Premium dividend on account(s) 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 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 03/17/2020, applies to borrowers with credit scores of 730 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.
  3. 3 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.
  4. 4 Indianapolis Indians Charities Contribution  — Upon meeting the qualifications for the cash bonus offer, a $100 corporate contribution from Elements directly to Indianapolis Indians Charities will be activated.
  5. 5 First Pitch — Cardholder is automatically entered when they make a transaction with their Indianapolis Indians Visa during the 2020 season. There will be a total of eight (8) winners drawn at random from all entries, with one (1) selected for the each of the following Wednesday Day Games: 6/10/2020, 6/17/2020, 6/24/2020, 7/8/2020, 7/29/2020, 8/5/2020, 8/19/2020, 9/2/2020. No substitution dates allowed. Postponement or cancellation subject to the raincheck policy of the Indianapolis Indians. Winner will be notified by Elements Financial prior to date of game. No purchase necessary. Participants can also enter by printing their name, telephone number, and email address and mailing the entry (postage prepaid) to: Elements Financial, c/o Marketing for ”Indianapolis Indians Visa First Pitch” 225 South East Street, Suite 300, Indianapolis, IN, 46202.
  6. 6 Concessions — Available to cardholders who visit any of the Elements Financial display(s) at Victory Field during 2020 Wednesday Day Games and show their Indianapolis Indians Visa. A voucher will be provided for one (1) popcorn and one (1) soda to use at the concession stand. Limit one voucher per game, per cardholder.