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like a bank, only better.

Higher Deposit Rates, Lower Loan Rates, Fewer Fees.

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Special Offers

Now through June 24

Limited Time Auto Loan Offer

Rates as low as 6.04 % APR1 When you buy or refinance a new or used vehicle2

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Home is Where the Heart Is and the Extra Cash

HOME EQUITY LINE OF CREDIT

6-Month Intro Rate 5.99 % APR3
Then as low as 8.50 % Variable APR
on New Home Equity Lines of Credit

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In the Community

Elements Financial Named a Best Place to Work in Indiana

For the 13th time, Elements Financial is excited to announce its recent recognition as a 2024 Best Place to Work in Indiana. This acknowledgment, granted by the Indiana Chamber of Commerce, highlights Elements’ dedication to creating a workplace environment focused on the well-being and development of employees.

Read the News Release

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

A Podcast for Your Financial Life

Better Money with Elements Financial

Better Money with Elements Financial

Welcome to Better Money with Elements Financial, a podcast where we deliver trusted advice from financial wellness pros to help you make your money — and your life in general — better. Weekly episodes cover a variety of topics with conversation and special guests.

Start Listening Today

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.

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.

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 Rates effective June 7, 2024, subject to change without notice. Each individual’s Annual Percentage Rate (APR) is determined by Elements’ underwriting criteria. Rate may vary depending on credit history, vehicle model year, and loan term. Not all applicants will qualify for the displayed lowest rate. Promotional rate includes 1.00% reduction for automated payments from an Elements checking account set up at closing. Rate reduction is subject to increase if the Preauthorized Transfer is discontinued. First payment due 90 days from loan funding. APR calculation and estimated monthly payment of $710.43 based on loan amount of $30,000, FICO® score of 730 or greater, term of 48 months, and the loan being a purchase or non-Elements Financial auto loan refinance. Payment shown does not include taxes or insurance premiums. Additional conditions may apply. Subject to credit approval. Offer available for auto loans closed June 7 - June 24, 2024. Third-party refinance vendor transactions are not eligible for current promo rate. Elements Financial refinances subject to $200 refinance fee. FICO score less than 640 not eligible for promotional rate or 90 days to first payment. Elements may end offer at any time. Rates subject to change.
  2. 2 Elements Financial refinances subject to $200 refinance fee.
  3. 3 Rates are based on an evaluation of credit history, combined loan-to-value ratio, loan term, and occupancy, so your rate may differ. Not all applicants will qualify for the displayed lowest rates. The term is 25 years, consisting of a 10-year draw period with interest-only payments followed by a 15-year repayment period with principal plus interest, which may increase your monthly payments. The Introductory Annual Percentage Rate (APR) of 5.99% is for new Home Equity Lines of Credit only and is for the first six months. HELOC modifications, renewals and increases that utilize the same property are not considered new and are not eligible for the introductory rate. To receive the Introductory rate, a draw of at least $10,000 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%. The stated rate, correct as of June 1, 2024, applies to borrowers with credit scores of 730 or greater, CLTV 80% or less, and owner-occupied single-family residences. Elements Financial will conditionally waive the following Closing Costs associated with your home equity line of credit: flood certification, title search or title abstract, credit report, recording fees, and a simple valuation. You may be required to pay other costs such as taxes, and when required, appraisal fees. However, if you close your home equity line of credit within 36 months after it is opened, you will be required to pay an Early Closure Fee in the amount of the Closing Costs originally waived. 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.
  4. 4 Certificate Annual Percentage Yield (APY) effective as of June 1, 2024, 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.