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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

4.00 % APY2 For New Accountholders for 12 Months on Balances up to $20,000

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Pay with Home Team Pride!

Indianapolis Indians Signature Rewards Visa® Credit Card

Enjoy Perks at the Ballpark, plus:

  • 1.5% cash back and rewards for your everyday purchases3
  • $200 Cash Bonus just by using your card4
  • No international transaction fee, no balance transfer fee, no annual fee5

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In the Community

Todd Shickel, VP Business Development

Human Elements Behind Our Success: Todd Shickel

Get a sense for our people at Elements in this new series! Read the article to learn more about one of our valued employees who drives our credit union to success.

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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 150 companies around the U.S.

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Featured Advice

Person Walking with Luggage at Airport

Fuel & Flights: Travel Advice to Combat Inflation

In 2022, travel looks different than usual. Demand is high, making gas prices and plane ticket costs soar. That’s why Elements is here with trusted advice to help you combat inflation in the travel industry.

Read the Article

  1. 1 Certificate Annual Percentage Yield (APY) effective as of October 1, 2022, 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 *Limited Time Certificates Special — Limited-time offer may be withdrawn at any time.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 18-month certificate will automatically reinvest into an 18-month certificate at the then current APY; the 26-month certificate will automatically reinvest into a 24-month certificate at the then current APY.
  2. 2 Promo High Interest Checking (Promo HINT) is a High Interest Checking with a promotional 4.00% fixed Annual Percentage Yield (APY) accurate as of July 1, 2022, on balances up to $20,000 and 0.10% APY on balances greater than $20,000 on accounts with 15 qualifying transactions per statement cycle. Promo HINT APY is fixed for 12 months from account opening date. On the first day of the month following the account opening anniversary month, the Promo HINT APY will automatically convert to the then current non-promotional High Interest Checking account APY which is variable and may change at any time without notice. Current High Interest Checking account holders and those with High Interest Checking accounts closed less than 180 days are not eligible. An existing High Interest Checking account cannot be converted to the Promo HINT. Limit one Promo HINT per person. Other qualifications may apply. Promotional offer may be discontinued at any time. Only the following are qualifying transactions: Debit card purchases, checks, bill payments, ATM withdrawals and ACH withdrawals. No other transactions qualify. 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.
  3. 3 Indianapolis Indians Signature Rewards Visa Credit Card Rewards — You earn 1.50 points for every dollar you spend on eligible purchases. This resets at the end of each calendar year. Statement Credits and Deposits to Elements Accounts can be redeemed for as low as $50 (5,000 point equivalent). Gift Cards can be redeemed for as low as $25 (2,500 point equivalent). Redemption for Travel is also available. Transactions that do not earn Pure Perks points include PIN-based transactions, cash advances, balance consolidation checks, money order/wires, gaming chips. Visit the rewards portal page for details.
  4. 4 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.
  5. 5 Indianapolis Indians 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.