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Important Holiday Hours - Thanksgiving & Black Friday 2019

All branches will be closed in observance of Thanksgiving on November 28, 2019.

Important Hours - Veteran's Day 2019

2020 Holiday Hours

At Elements Financial, we close for holidays on limited occasions. With 24/7 access to online banking with our mobile app, and our 24-Hour Contact Center, there's no such thing as banker's hours here at Elements.

Scheduled Maintenance for Website Search

Third Annual Purpose Day Gives Back to Community

Elements Financial presented its 3rd annual Purpose Day - a day to give back to the Indianapolis community.

Important Credit Union Business Hours - October 14

Update - Credit Card Payment Mailing Address

Important updates to the payment mailing address for credit cards.

Scheduled Maintenance For Online and Mobile Banking

LTC North Branch Location Closure 9/6

Labor Day 2019 Hours

Important information regarding Labor Day 2019.

Fan Mail - James Cramer

Important Information Regarding Card Control App

Important Notice Regarding LTC North Branch Location

Indianapolis Indians & Elements Financial Announce New Naming Rights Partnership for Elements Financial Club

Elements teams up with the Indians for the most significant upgrade in Victory Field’s 23-year history.

Scheduled Online Banking Upgrades - July 16, 2019

Online Banking and Mobile App Scheduled Maintenance - July 10

Branch Hours - July 2019

Important Information Regarding Online Applications

We are currently aware of an issue sporadically affecting member ability to apply for our accounts and loans from our website.

Elements Employee Serves as Mentor to Credit Union Development Program

Charles Akinbola became CUDE certified in 2018 before returning this year to mentor the incoming class.

Important Information Regarding Online Banking and Mobile App

This weekend, 8:00 PM Eastern time, Saturday, May 18, through 2:00 AM, Sunday, May 19, we will be conducting upgrades to our data center.

Elements Financial Named Number 11 on 2019 Best Places to Work List

Elements ranked #11 out of 37 organizations in the Medium Companies category.

Important Information Regarding Online Statements

Important Information Regarding Card Control App

Important Information Regarding Shared Branches & ATMs

Elements Named to Best Places to Work List for Ninth Time

For the ninth time, Elements Financial has been named one of the best places to work in Indiana.

Elements Wealth Management Named Twice to Top 100 Advisors List

Raymond Mark, CFP® and Terry Cox, CRPC®, both were listed among the Top 100 Advisors List.

Important Information for Android Users

We are aware of an issue that prevents some Android users from logging into the Elements Mobile App from mobile devices.

Important Holiday Hours - Thanksgiving & Black Friday 2018

Introducing Personal Finance Management Tools

Personal Finance Management tools offer effortless access to information like spending habits, debt, budgets, and trends revealed within your Elements accounts.

Online Banking and Mobile App Scheduled Maintenance

2019 Holiday Hours

At Elements Financial, we close for holidays on limited occasions. With 24/7 access to online banking with our mobile app, and our 24-Hour Contact Center, there's no such thing as banker's hours here at Elements.

Elements Financial's 2nd Annual Purpose Day

On Monday, October 8, Elements Financial presented their 2nd Annual Purpose Day, where 180 credit union employees gave back to the community through meaningful projects and experiences.

Check Your Credit Report Prior to the Holidays

With the holiday shopping season approaching, now is the time to take an in-depth look at your credit report.

Elements Receives Dora Maxwell Award

The Indiana Credit Union League has selected Elements as a recipient of the Dora Maxwell Award, an award to those who demonstrate social responsibility and community involvement.

Credit Card Transaction Alerts Scheduled Maintenance August 2

Credit card Transaction Alerts will be undergoing scheduled maintenance activities starting August 2 at 8:00pm Eastern.

Check Your Credit Report Prior to the Holidays

The end of the year holiday festivities might seem far away, but now is the perfect time to take an in-depth look at your credit report before you start holiday shopping.

Elements Financial's First-Ever 'Paint the Town Red' Event

On June 15, several members of our staff spent the day out in the community committing small acts of kindness as part of Paint the Town Red.

Congratulations to Our Friends at Little Red Door on their Grand Re-Opening

On Thursday, June 7, Elements employees took part in the celebration the grand re-opening of Little Red Door Cancer Agency’s community center.

Home Improvements Tips For Summer Time

Summer typically is reserved for vacations, concerts and lots of Vitamin D from the sun. The warmer months of the year however can also serve as a great opportunity to give your home some much needed TLC.

6 Ways to Fund a Working Mom’s Retirement

“Americans — women especially — aren’t getting the message that they need to start saving for retirement with their very first job,” says personal finance columnist Liz Weston, author of Deal With Your Debt. As a working mom, whole weeks may go by without the chance to sit down or even think. You’re managing a career, making decisions for your family, and caring for kids and often parents, too. It’s not easy, then, to hear about one more job that needs your immediate attention: retirement planning. But let’s just be blunt, women are almost twice as likely as men to wind up living below the poverty line during retirement. Here are six tips to help you prepare for retirement.

Calling for Advocacy from All Member-Owners of Elements

Find your voice with your legislators. Act now to support Elements and all U.S. credit unions.

Elements Financial Named to Hall of Fame of Best Places to Work in Indiana; #20 in Medium-Sized Companies

Elements Financial has landed among 125 honorees on the 2018 Best Places to Work in Indiana list.

One Week Guide to Spring Cleaning Your Finances

Set the broom and boxes down for an hour or two each day and tidy up your finances during the spring with these tips.

Elements Wealth Named Top Producing Program by LPL Financial

Elements Wealth was selected from over 240 LPL Financial programs.

Important Update to Credit Card Disclosure

Two changes to Elements Financial Visa® Credit Cards will be effective in June and July 2018. For details on the updates to the Zero Liability Policy and Prime Rate changes, see below.

Easier access for your HSA Portal, starting February 28.

We are excited to announce that managing your Elements Financial Health Savings Account (HSA) has gotten easier. Starting Wednesday, February 28, you are able to log into the HSA Portal directly within Elements Online Banking or our mobile app.

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.

Visa Zero Liability Change

A change in the Visa® Core Rules revises the circumstances under which you have zero liability for unauthorized electronic fund transfers using a lost or stolen Visa card. Effective 02/01/2018, you may be held liable for unauthorized use caused by negligence.

Home Equity Line of Credit Visa Zero Liability Change

A change in the Visa® Core Rules revises the circumstances under which you have zero liability for unauthorized electronic fund transfers using a lost or stolen Visa card. Effective 02/01/2018, you may be held liable for unauthorized use caused by negligence.

2018 Holiday Hours

At Elements Financial, we close for holidays on limited occasions. With 24/7 access to online banking with our mobile app, and our 24-Hour Contact Center, there's no such thing as banker's hours here at Elements.

2017 Holiday Hours

Two Major Grants Impact Local Community

Elements Financial was pleased to award two major grants of $15,000 each over the past week.

Access to Green P2P Returning Soon to Mobile Banking

Access to Green P2P Returning Soon to Mobile Banking We are working to regain your access to Green P2P in mobile banking. We apologize for the inconvenience. Please check back soon as we're working to restore your access as quickly as possible.

Getting Better All the Time

We’re excited to announce that a new Elements Financial website, rebuilt with you in mind, has arrived. Online and mobile banking will be available again at 11:00am Eastern, October 24, after the planned upgrade.

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.

Elements Financial's First-Ever Purpose Day

There are many companies in town that closed up shop for Columbus Day, a federal holiday. But how many actually set up shop to make an impact in the community that day?

Changes to External Transfers

Effective, Wednesday, October 25, the Account-to-Account and Person-to-Person payments options in online banking will be ending.

Managing a Tight Budget as a College Student

For many students, starting college is the beginning of a new adventure. Once the euphoria fades, though, they realize that this exciting new venture comes with a host of new responsibilities as well. Since education can be expensive and all-consuming, financial responsibility is usually one of the most difficult areas to manage for college students. A study conducted by the University of Arizona (in partnership with the National Endowment for Financial Education) revealed that students were not interested to learn about money or credit management. Unsurprisingly, the average American college senior owes around $4,000 in credit card debt.

Equifax Breach - What Elements Recommends

As your financial wellness providers, we want to keep you well-informed about situations that may impact you, including the Equifax Breach.

Elements Financial Names New CFO

Elements Financial is proud to announce that Jeff Joyce, CPA, has been named Chief Financial Officer.

Midyear Outlook 2017: A Shift In Market Control

As an LPL Financial Advisor with Elements Wealth Management, Terry Cox has access to LPL Financial’s team of analysts and independent research. These resources help advisors who work with LPL Financial focus on client relationships and investment strategies. Provided here is a timely piece from LPL Financial’s Chief Investment Officer and Managing Director of LPL Research, Burt White.

Important Information Regarding Wells Fargo Credit Card and Home Mortgage eBills

We have become aware of a disruption to Wells Fargo credit card and home mortgage eBill information that could impact your payments.

How to Take the Heat Off Your Summer Budget

Summertime brings more than sunburns and barbecues — it can also send your monthly expenses through the roof. But with a little work now, you can enjoy the hot season and avoid pinching pennies in the fall.

A Closer Look at Tax-Loss Harvesting

Each year, some of your investments will reflect a positive gain while some others could be showing a negative return. Not always is it clear whether or not your investment has made you money or not, but we’ll save that explanation for another day. For now, let’s focus on ways to keep more money in your pocket versus giving it to the IRS. Something you should consider each year is “Tax-Loss Harvesting” within your taxable account.

7 Things Most People Don't Know (But Should) About College Savings Plans

529 plans, tax-advantaged college savings, are a highly useful investment tool for paying for your or your child's education all the way through graduate school. But what should you know about them? iGrad asked Betty Lochner, national chair of the college savings plans network about what everyone should know but doesn't about these plans.

Elements Wealth Management Receives National Recognition

Elements Wealth Management was selected as Program of the Year for a Peer Group of 5-10 Financial Advisors, among 700 LPL Financial programs considered.

Elements Financial Shines in the 38th Annual Telly Awards

Elements receives two Bronze Telly Awards.

Elements Financial Earns Client of the Year Award

Elements Financial was awarded Q2’s Inaugural Client of the Year Award in April.

The Need For Estate Planning After Divorce

The statistics don’t lie and they don’t change. Approximately fifty percent (50%) of first marriages end in divorce, seventy-eight percent (78%) of second marriages end in divorce and ninety-three percent (93%) of third marriages end in divorce. Of course, on the other side of the coin, one hundred percent (100%) of marriages that don’t end in divorce, end in death. But I digress. The lead in is meant to make the point that, among the many things a newly divorced person needs to do, is review his or her estate plan. Divorce may, but usually does not, automatically remove the ex-spouse from a beneficiary position or a fiduciary position. Most family law practitioners recommend a stop at the estate planning lawyer’s office the day after the ink is dry on the Decree of Dissolution, but I recommend a month before that date. Below is a list of some common estate planning instruments and what effect, if any, the divorce decree has on each one.

Elements Financial Named One of the Best Places to Work in Indiana

Elements Financial has landed among 100 honorees on the 2017 Best Places to Work in Indiana list.

Prince, Pauper, or In-Between: How Long Can You Live on Your Savings?

Unfortunately, many Americans do not have extra funds to handle a financial hardship if one were to arise. In a recent survey conducted by, almost half of Americans confessed they don’t have any emergency savings set aside to cover three months of expenses. Within that number, more than a quarter (28%) have no emergency savings at all. At the other extreme, almost half of the people polled have over three months in emergency savings. The foundation of this great savings breakdown may be simple: Many people just don’t know how to save. Why are so many Americans behind on savings? One of the big reasons people aren’t saving more is likely because they are living beyond their means. In addition, the increased use of credit cards and the popularity of payment options such as Apple Pay and Samsung Pay, have made it easier to spend than to save. Here are six tips to pursue a stress-free financial future.

Wouldn’t You Like to Sleep Better Than a Baby?

I recently met my brand-new niece who lives several states away. At the time she was seven weeks old (and now almost 10) and her parents were, not surprisingly, sleep-deprived. At one point my sister and I discussed the sheer irony of the phrase “sleep like a baby” because new babies do not generally sleep soundly or consistently.

Elements Financial Honored in Times Square

Elements Financial recently brought honors home from the third annual Financial Capability Innovation Awards

Elements Financial Annual Meeting

The Annual Meeting of Elements Financial will take place on Wednesday, February 22, 2017.