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like a bank, only better.

Higher Deposit Rates, Lower Loan Rates, Fewer Fees.

Get Started with Elements

New Home Equity Line of Credit Intro Rate as low as

1.99% APR2 For 6 months then as low as 3.75% variable APR

Learn More about HELOCs

Auto Loan Special

A Special Rate Now through August 31

Featuring:

  • Rates as low as 2.74% APR3
  • No payments for 90 days and good toward new or used vehicle purchases, or auto loan refinances
  • Closings typically in as quick as one business day

Learn More & Apply

Elements in the Community

Our Pillars of Giving

Our Pillars of Giving

At Elements, we are proud of our community. This pride is precisely why we have defined three focus areas for our community relations program.

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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 100 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 High Interest Checking Account Annual Percentage Yield (APY) effective as of March 20, 2020, is variable and may change after account is opened without notice. The APY is 2.00% on balances up to $20,000, 0.10% on balances greater than $20,000. Premium dividend on account(s) with 15 qualifying transactions per statement cycle. Only the following are qualifying transactions: Debit card purchases, checks, bill payments, ATM withdrawals and ACH withdrawals. No other transactions qualify. Dividends will be paid per statement cycle requirement. 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. See Truth in Savings Disclosures for details.
  2. 2 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. Home Equity Line of Credit: The Introductory Annual Percentage Rate (APR) of 1.99% 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 $5,000 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 03/17/2020, 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.
  3. 3 Rates effective August 1, 2020. 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 1.00% 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 $663.68 based on loan amount of $30,000, FICO® score of 730 or greater, and term of 48 months. Payment shown does not include taxes or insurance premiums. Additional conditions may apply. Subject to credit approval. Third-party auto-dealer transactions are not eligible. Offer available for auto loans closed August 1-31, 2020. Please call for vehicle models 2011-2012.