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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

  • Transfer your balance from a higher rate credit card and enjoy $300 Cash Bonus just by using your card1
  • 0% Intro APR for 6 months for purchases and balance transfers, then 10.24% thereafter2
  • No Balance Transfer Fee
  • No Annual Fee or Late Payment Fee
  • Security-Enabled Chip Technology

Learn More about our Platinum Visa

Auto Loan Rates as low as

2.49% APR It's a Sweetheart of a Deal3

Apply Today

Enjoy Applying for Your Mortgage for a Change

Get a $500 Cash Bonus when you buy or refinance your home with Elements.


"Easy and walked me through the process.
I like that you can import accounts."
"Best, most user-friendly mortgage application I've used."

— Elements Members

Apply Online with promo code HOME500

Learn More about Our Mortgages

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 10.24% for Platinum Visa. Rate effective January 3, 2018, and will vary with the market based on the Prime Rate as published in The Wall Street JournalTerms & Conditions.
  3. 3 Annual Percentage Rate. Each individual’s APR is determined by the applicant’s credit history. Not all applicants will qualify for the displayed lowest rates. Rate special good February 5–24, 2018, automated payments required. Good toward new or used vehicle purchases or auto loan refinances from other financial institutions. A loan of $30,000, for 60 months at 2.49% APR, will have a monthly payment of $532.29. Additional conditions may apply. Subject to credit approval. Payments shown do not include taxes or insurance premiums. Cannot be combined with other special offers.