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like a bank, only better.

Higher Deposit Rates, Lower Loan Rates, Fewer Fees.

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Find the Perfect Card for Your Purchases


Get a $200 Cash Bonus1 When you open and use a new Elements credit card

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Limited Time Offer


Refinance and earn a $250 Cash Bonus2 And enjoy no payments and no interest for 3 months3

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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 purchases4
  • $200 Cash Bonus just by using your card1
  • No international transaction fee, no balance transfer fee, no annual fee5

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In the Community

Making an Individual Impact: Our Fifth Annual Purpose Day

Making an Individual Impact: Our Fifth Annual Purpose Day

We recently hosted our fifth Annual Purpose Day where 200 employees spent a day away from work focused on impacting the neighborhoods that they call home.

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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 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.
  2. 2 Student Loan Refinance $250 Cash Deposit Offer — Upon approval and disbursement of your refinance loan, the primary borrower will receive a cash deposit of $250. To qualify, the completed loan application must be received between 11/19/21 and 12/31/21. The cash deposit will be awarded in the form of a deposit to your Elements checking or savings account within 90 business days from the funding date of the loan. The primary borrower must be an Elements member in good standing at the time of deposit. Limit one cash award per borrower. Recipient is responsible for any applicable federal, state, or local taxes associated with receiving the cash deposit; consult your tax advisor to determine applicable tax consequences. The credit union reserves the right to modify the terms of these offers at any point in the future for new applications.
  3. 3 Student Loan Refinance Three Month No Payment Promotion — To qualify, the loan application must be started between 11/19/21 and 02/19/22. Upon disbursement of your refinance loan, no payments will be required, and no interest will accrue during a three-month promotional period. After this three-month promotional period, the loan will fully amortize and monthly principal and interest payments will begin. Not all loan terms will qualify for this promotion.
  4. 4 Signature Rewards Visa Credit Card Rewards — You earn 1.50 points for every dollar you spend on eligible purchases. When Signature Preferred cardholders reach $50,000 in annual spend, you begin earning 2 (two) points for every dollar you spend on eligible purchases until your anniversary month. 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.
  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.