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Frequently Asked Questions about Elements and Coronavirus — Learn More

like a bank, only better.

Higher Deposit Rates, Lower Loan Rates, Fewer Fees.

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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

Butler University Rewards Visa® Credit Card

The only card you’ll ever need to show your Butler University pride.

Good Toward:

  • Great way to show your Butler Bulldog pride.
  • Earn 1% cash back on every eligible purchase3.
  • No foreign transaction fee, no balance transfer fee, no annual fee and more4.

Learn More & Apply

Elements in the Community

Check Presentation

3rd Annual Purpose Day

Elements Financial recently took part in their third annual Purpose Day, where nearly 180 credit union employees gave back to the community through meaningful projects and experiences.

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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

Introducing the Elements Financial Club

Introducing the Elements Financial Club

Elements teams up with the Indianapolis Indians for the most significant upgrade in Victory Field’s 23-year history.

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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 Butler University Rewards Visa Credit Card Cash Back:1% cash back on every eligible purchase. No enrollment required. All cardholders are eligible when they make their first eligible purchase. Eligible purchases are net purchases (reduced by merchant returns and adjustments). Purchases do not include cash advances, balance card transfers, use of convenience checks and are exclusive of any fees and finance charges we impose. Cash back rewards are payable to you by reducing your credit card balance. However, rewards will not reduce the monthly payment amount unless the total credit card balance is less than the payable cash back reward amount. The rewards are effective the date you become eligible for the program and are payable as per the billing cycle end-date printed on your statement. Cash back reward amounts less than $25 will not be paid during a billing cycle. Rewards will accumulate and will be payable to you once your reward balance is $25 or more. If a reward balance is less than $25, it will expire 5 years from the month earned. Eligibility is restricted to accounts that are open and in good standing. Any accumulated points will be forfeited if the account is closed before the next $25 increment is paid. Additional terms and conditions may apply. 
  4. 4 Butler University 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.