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Like a Bank, Only Better.

Higher Deposit Rates, Lower Loan Rates, Fewer Fees.

Get Started with Elements

Could Your Checking Account Use a Boost?

2.00% APY with a High Interest Checking Account1

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Platinum Visa Credit Card

  • 0% Intro APR for 6 months for purchases and balance transfers, then 9.99% thereafter2
  • Get $300 Cash Bonus just by using your card3
  • No Balance Transfer Fee
  • No Annual Fee
  • No Late Payment Fee

Learn More about our Platinum Visa

Get Extra Cash for the Holidays

Do all of your holiday shopping with an Elements Unsecured Signature Loan.

  • Borrow $4,000 for less than $100/month4
  • Apply online in as little as 10 minutes
  • Get cash in your account in as little as one business day

Apply Online

Learn More about Our Signature Loan

Elements in the Community

Elements Financial employees volunteer

Elements Financial’s First-Ever Purpose Day

Instead of closing up shop for Columbus Day, our 175 team members dedicated the day to give back to the community through this inaugural event.

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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

Simple Solutions to Common Student Loan Concerns

BLOG POST - 3 Simple Solutions to Common Student Loan Concerns

When the time comes to repay your student loans, you may be faced with a lot of questions. Let’s look at common scenarios that may help you navigate with ease.

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  1. 1 Annual Percentage Yield is variable and may change after account is opened. APY is 2.00% on balances up to $20,000, 0.10% on balances greater than $20,000. Dividends will be paid per statement cycle requirement. At least one accountholder must be at least 18 years old. You must maintain a minimum average daily balance of $100 to earn dividends. Accounts not meeting the qualifying threshold will earn 0.05% APY. Fees may reduce earnings.
  2. 2 Platinum Visa introductory rate good for six months. 1) Annual Percentage Rate. 2) Elements Financial loans are not eligible for payoff with introductory balance transfer offers. Subject to credit approval. Additional limitations, terms, and conditions apply. 3) After promotional period your Standard variable APR for Purchases and Balance Transfers will be 9.99% for Platinum Visa. APR will vary with the market based on the Prime Rate as published in The Wall Street Journal. Terms & Conditions.
  3. 3 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. 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 statement credits. 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. Existing Elements credit cardholders not eligible.
  4. 4 Monthly payment based on $4,000 Unsecured Signature Loan at 8.99% fixed Annual Percentage Rate (APR) for 48 months with 0.25% rate discount for automatic deduction of payments. Rate will vary based on credit score. Subject to approval. Not all applicants will qualify for the lowest rate. Elements Financial reserves the right to modify or end the offer at any time. Additional conditions may apply.