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like a bank, only better.

Higher Deposit Rates, Lower Loan Rates, Fewer Fees.

Get Started with Elements

Special Rate for a Limited Time!

AUTO LOANS

Special rates as low as 1.99 % 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

Introductory rate of 0.99 % APR3 For 6 months then as low as 3.75% variable APR

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Signature Rewards Visa® Credit Card

Earn rewards to redeem for travel, gift cards, or cash back.

Good Toward:

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

Learn More & Apply Online

In the Community

Putting Our Purpose to Work

Putting Our Purpose to Work

While our staff would have typically gathered together for our 4th Annual Purpose Day to work on community-focused projects and visits local nonprofit organizations in-person, the day looked a bit different this year.

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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 140 companies around the U.S.

Join Our Movement

In the News

Donation to Local At-Risk Scholars Supports Their College Dreams

Donation to Local At-Risk Scholars Supports Their College Dreams

Elements partnered with DREAM Alive to supply more than 20 laptop computers to local students.

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  1. 1 Rates effective May 6, 2021, 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 1.25% deduction for automated payments from an Elements checking account set up at closing. First payment due 90 days from loan funding. APR calculation and estimated monthly payment of $653.71 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 May 6-24, 2021. FICO score less than 640 are not eligible for promotional rate or 90 days to first payment.
  2. 2 Elements Financial refinances subject to $200 refinance fee.
  3. 3 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. 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 0.99% 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 $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%. Rates vary depending upon credit history, combined loan-to-value (CLTV), and occupancy. The stated rate, correct as of May 1, 2021, 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.
  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 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.