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Like a Bank, Only Better.

Higher Deposit Rates, Lower Loan Rates, Fewer Fees.

Get Started with Elements

Platinum Visa Credit Card

  • $300 Cash Bonus for new cardholders1
  • 0% Intro APR for 6 months for purchases and balance transfers2
  • No Balance Transfer Fee
  • No Annual Fee or Late Payment Fee

Learn More about our Platinum Visa

Home Equity Line of Credit — 100% Flexibility for What You Purchase

Intro rates as low as 1.99% APR on New HELOCs for 6 months then as low as 4.75% variable APR.

  • Access your equity simply and easily with the Equity Access Card
  • No closing costs  /  No annual fee  /
    No prepayment penalties
  • Most closings in two weeks or less

Apply Online

Learn More about Our HELOCs

Elements in the Community

Elements Financial gives back to two local charities

Two Major Grants Impact Local Community

Elements Financial was pleased to award two major grants of $15,000 in December —one to Cancer Support Community and the other to School on Wheels.

Read the Story

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

5 Must Read Articles to Make Tax Season Easier

BLOG POST - 5 Must Read Articles to Make Tax Season Easier

Regardless if you’re in the middle of the filing process or if you’re waiting on a refund, our friends at TurboTax have offered up tips for everyone in-between.

Read the Blog

  1. 1 Credit Card Related $300 Cash Back Value Offer — requiring at least 10 card purchase transactions totaling at least $1,000 within 90 days of card approval — will be fulfilled as a $300 statement credit. Secured Card excluded. Existing 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 for receipt of bonus. If the account is closed within six months, we reserve the right to deduct the bonus at that time. Product offers cannot be combined with other promotional offers for the same product. One offer per household.
  2. 2 Platinum Visa introductory rate good for six months. Annual Percentage Rate. Elements Financial loans are not eligible for payoff with introductory balance transfer offers. Subject to credit approval. Additional limitations, terms, and conditions apply. After promotional period your Standard variable APR for Purchases and Balance Transfers will be 10.49% for Platinum Visa. Rate effective April 4, 2018, and will vary with the market based on the Prime Rate as published in The Wall Street Journal.  Terms & Conditions.
  3. 3 Rates effective as of October 3, 2016, and may change after account opening without notice. Fees may reduce earnings. Must meet account transaction requirements per Business Cycle to receive dividend. See Truth in Savings Disclosures for details.