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As a non-profit financial institution, Elements is here for you with our staff of financial wellness experts. Banks do not take the time to teach, but credit unions do. We keep up on the latest money trends and innovations, so we can continually share timely tips with you. Because knowledge is power — and it’s no different when it comes to your personal finances.
Please take some time to check out the articles in this section to enjoy a wealth of information. May it empower you to conquer challenges, reach your goals, and achieve financial success!
 'Tis the Season: Protecting Yourself Against Holiday Fraud
								Spotting Holiday Scams Will Help Keep Your Holidays Merry and Bright
							'Tis the Season: Protecting Yourself Against Holiday Fraud
								Spotting Holiday Scams Will Help Keep Your Holidays Merry and Bright
						
					 Fall in Love with Your Home
								Five Ways to Use Your Home Equity Line of Credit or Loan This Season
							Fall in Love with Your Home
								Five Ways to Use Your Home Equity Line of Credit or Loan This Season
						
					 Partnering for Financial Success
								Your Questions About Money and Relationships, Answered
							Partnering for Financial Success
								Your Questions About Money and Relationships, Answered
						
					 Understanding APR vs. Interest Rates 
								What’s the Real Cost of Borrowing?
							Understanding APR vs. Interest Rates 
								What’s the Real Cost of Borrowing? 
						
					 Moving Your Money to Elements 
								A Guide to Switching Financial Institutions
							Moving Your Money to Elements 
								A Guide to Switching Financial Institutions  
						
					 Your Child’s First Checking Account
								What Parents Need to Know
							Your Child’s First Checking Account
								What Parents Need to Know
						
					 Romance Red Flags 
								Unveiling the Secrets of Online Dating Fraud
							Romance Red Flags 
								Unveiling the Secrets of Online Dating Fraud
						
					 Busting Common Money Myths – What Today’s Youth Really Need to Know About Money
								Questions Answered About Money, Debt and More
							Busting Common Money Myths – What Today’s Youth Really Need to Know About Money
								Questions Answered About Money, Debt and More
						
					 Funding the Future
								Answering Your College Financing Questions
							Funding the Future
								Answering Your College Financing Questions
						
					 Using Equity To Your Advantage
								Strategies for Putting The Value Of Your Home To Work
							Using Equity To Your Advantage
								Strategies for Putting The Value Of Your Home To Work
						
					 Travel Smart This Spring
								Scams You Need to Know Before Hitting the Road
							Travel Smart This Spring
								Scams You Need to Know Before Hitting the Road 
						
					 Keep Calm and Tax On
								Protecting Your Peace and Personal Information During Tax Time
							Keep Calm and Tax On
								Protecting Your Peace and Personal Information During Tax Time
						
					 Revisiting Your Resolutions
								Here’s How You Can Stay Motivated All Year Long
							Revisiting Your Resolutions
								Here’s How You Can Stay Motivated All Year Long 
						
					 Remain Cautious of Charity Fraud Related to California Wildfires & Other Causes
							Remain Cautious of Charity Fraud Related to California Wildfires & Other Causes
						
					 12 Meaningful Ways to Give Back This Season
								The Best Gifts Aren’t Always Wrapped
							12 Meaningful Ways to Give Back This Season
								The Best Gifts Aren’t Always Wrapped
						
					 Your Year-End Financial Checklist 
								5 Essential Tasks to Wrap Up the Year
							Your Year-End Financial Checklist 
								5 Essential Tasks to Wrap Up the Year 
						
					 Secure Your Social Feeds
								Tips for Avoiding Holiday Scams on Social Media
							Secure Your Social Feeds
								Tips for Avoiding Holiday Scams on Social Media
						
					 Unlock Your Next Auto Deal
								Finding the Right Car for Your Situation
							Unlock Your Next Auto Deal
								Finding the Right Car for Your Situation 
						
					 Rake In Your Home’s Value with Our Autumn Home Maintenance Checklist
								Feel that nip in the air? Here's how to get your home and yard ready for winter.
							Rake In Your Home’s Value with Our Autumn Home Maintenance Checklist
								Feel that nip in the air? Here's how to get your home and yard ready for winter.
						
					 Parenting & Money
								How to Talk Money with Your Child at Every Age
							Parenting & Money
								How to Talk Money with Your Child at Every Age   
						
					 Gen X and Money 
								Forward-Thinking in Finances
							Gen X and Money 
								Forward-Thinking in Finances 
						
					 The Final Stretch
								How to Secure Last-Minute Funding for College
							The Final Stretch
								How to Secure Last-Minute Funding for College
						
					 Millennials & Money
								Escaping Debt and Exploring Financial Freedom
							Millennials & Money
								Escaping Debt and Exploring Financial Freedom
						
					 The First Year Student Checklist
								How to Save on College Essentials
							The First Year Student Checklist
								How to Save on College Essentials  
						
					 Gen-Z & Money
								Navigating Finances in a Digital Era
							Gen-Z & Money
								Navigating Finances in a Digital Era  
						
					 Mastering the Market
								Building Confidence in Your Current Home-Buying Journey
							Mastering the Market
								Building Confidence in Your Current Home-Buying Journey
						
					 A College Student's Guide to Financial Success
							A College Student's Guide to Financial Success
						
					 Waiting on Your College Financial Aid?
								Here's What to Do if You're Experiencing FAFSA Delays
							Waiting on Your College Financial Aid?
								Here's What to Do if You're Experiencing FAFSA Delays
						
					 Money Mindfulness
								Creating Healthy Financial Habits
							Money Mindfulness
								Creating Healthy Financial Habits 
						
					 Prep Your Home for the Season with Our Spring Maintenance Checklists
								Take advantage of the extra sunlight. Here's how to get your home and yard ready for spring.
							Prep Your Home for the Season with Our Spring Maintenance Checklists
								Take advantage of the extra sunlight. Here's how to get your home and yard ready for spring.
						
					 Your Money in Today’s World
								Expert Tips for Spending, Saving, and Borrowing Smarter
							Your Money in Today’s World
								Expert Tips for Spending, Saving, and Borrowing Smarter
						
					 Calculated Money Moves
								Add a Certificate to Your Financial Game Plan
							Calculated Money Moves
								Add a Certificate to Your Financial Game Plan
						
					 How to Detect Scams During Tax Time
								Protect Yourself from Scammers Posing as the IRS
							How to Detect Scams During Tax Time
								Protect Yourself from Scammers Posing as the IRS
						
					 Check Your List Twice for Fraud
								Top 5 Fraud Trends this Holiday Season
							Check Your List Twice for Fraud
								Top 5 Fraud Trends this Holiday Season
						
					 Your Guide to Indy’s Budget-Friendly Gifting & Experiences
							Your Guide to Indy’s Budget-Friendly Gifting & Experiences
						
					 How to Empower Your College Student to Succeed Financially 
								Tips on spending, saving, earning, and borrowing.
							How to Empower Your College Student to Succeed Financially 
								Tips on spending, saving, earning, and borrowing.
						
					 Shield Yourself from Summer Scams
								The 3 Fraud Trends Heating Up in Summer 2023
							Shield Yourself from Summer Scams
								The 3 Fraud Trends Heating Up in Summer 2023
						
					 Funding Your College Education
								A Guide to Covering the Costs of Tuition
							Funding Your College Education
								A Guide to Covering the Costs of Tuition
						
					 The 4 Steps to Home Ownership
								A Guide for First-Time Home Buyers
							The 4 Steps to Home Ownership
								A Guide for First-Time Home Buyers
						
					 Simplify Your Student Loans
								Five Steps to a Student Loan Refinance
							Simplify Your Student Loans
								Five Steps to a Student Loan Refinance
						
					 The Mysteries of a Mortgage
								Julie Bowering, VP of Mortgage Lending, Answers Your Homebuying FAQs
							The Mysteries of a Mortgage
								Julie Bowering, VP of Mortgage Lending, Answers Your Homebuying FAQs
						
					 Using Credit Cards To Your Advantage
							Using Credit Cards To Your Advantage
						
					 Slash Your Spending
								Understanding How and Why You Spend Your Cash
							Slash Your Spending
								Understanding How and Why You Spend Your Cash
						
					 Five Expert Tips for Buying the Best Car
								Drive Away with a Deal Using These Insights
							Five Expert Tips for Buying the Best Car
								Drive Away with a Deal Using These Insights
						
					 Prep Your Home for the Season with Our Winter Maintenance Checklists
								Your Winter Guide to Home Repairs and Improvements
							Prep Your Home for the Season with Our Winter Maintenance Checklists
								Your Winter Guide to Home Repairs and Improvements
						
					 How to Navigate the Grocery Aisles This Holiday Season
								Get Advice from Two Guest Expert Chefs
							How to Navigate the Grocery Aisles This Holiday Season
								Get Advice from Two Guest Expert Chefs
						
					 How to File Your Taxes Online
								Save Time with Online Filing
							How to File Your Taxes Online
								Save Time with Online Filing
						
					 Four Ways to Spot Student Loan Scams
								Advice for Avoiding Loan Forgiveness Fraud
							Four Ways to Spot Student Loan Scams
								Advice for Avoiding Loan Forgiveness Fraud
						
					 Fuel & Flights: Travel Advice to Combat Inflation
								Travel Tips to Save a Buck During Challenging Times
							Fuel & Flights: Travel Advice to Combat Inflation
								Travel Tips to Save a Buck During Challenging Times
						
					 Calling It Quits with Scammers
								Expert Tips to Avoid Phone and Text Fraud
							Calling It Quits with Scammers
								Expert Tips to Avoid Phone and Text Fraud
						
					 The Power of P2P Payments
								Make Sending Money to Friends Simple
							The Power of P2P Payments
								Make Sending Money to Friends Simple
						
					 Finding Your Financial Focus
								Expert Tips for Starting Your Year with a Reset
							Finding Your Financial Focus
								Expert Tips for Starting Your Year with a Reset
						
					 Don’t Be Deceived: Expert Tips To Avoid Fraud
								Understand Common Types of Fraud and How to Protect Yourself
							Don’t Be Deceived: Expert Tips To Avoid Fraud
								Understand Common Types of Fraud and How to Protect Yourself
						
					 Finding the Perfect Timing: Refinancing Your Student Loans
								Explore the Top 3 Times to Refinance Student Loans
							Finding the Perfect Timing: Refinancing Your Student Loans
								Explore the Top 3 Times to Refinance Student Loans
						
					 Your Gift-Giving Guide for a Different Season
								The Spirit of Giving Does Not Have to Change
							Your Gift-Giving Guide for a Different Season
								The Spirit of Giving Does Not Have to Change
						
					 Finding Your Auto Loan Fit: Practicality & Affordability
								It's critical to understand what's important to you!
							Finding Your Auto Loan Fit: Practicality & Affordability
								It's critical to understand what's important to you!
						
					 5 Great Reasons to Pay Your Bills Online 
								Find Safe & Secure Ways to Avoid Mailing Your Bills
							5 Great Reasons to Pay Your Bills Online 
								Find Safe & Secure Ways to Avoid Mailing Your Bills
						
					 Thrifty Travel Tips
								Building a Great Getaway on a Budget
							Thrifty Travel Tips
								Building a Great Getaway on a Budget
						
					 The Advantages of Bill Pay 
								Pay Your Bills with Ease Using Elements Digital Banking Tools
							The Advantages of Bill Pay 
								Pay Your Bills with Ease Using Elements Digital Banking Tools
						
					 Breaking Down Balance Transfers 
								Interested in Paying Less Interest?
							Breaking Down Balance Transfers 
								Interested in Paying Less Interest?
						
					 Managing Money as a Young Professional
								How To Coordinate Your Finances Now & Later
							Managing Money as a Young Professional
								How To Coordinate Your Finances Now & Later 
						
					 8 Factors That Lead to Your Legacy
								What does your unique financial legacy look like?
							8 Factors That Lead to Your Legacy
								What does your unique financial legacy look like?
						
					 Money with Michael: Advice from America's Favorite Sitcom
								Quick Financial Tips from The World's Best Boss
							Money with Michael: Advice from America's Favorite Sitcom
								Quick Financial Tips from The World's Best Boss
						
					 The Many Sides of Debt and How to Repay It
								Tips from Relationship Manager Miranda Finley
							The Many Sides of Debt and How to Repay It
								Tips from Relationship Manager Miranda Finley
						
					 The Cost of Clicks
								How to Stop Overspending Online
							The Cost of Clicks
								How to Stop Overspending Online
						
					 Marriage and Your Money
								Tips for Building A Successful Financial Relationship
							Marriage and Your Money
								Tips for Building A Successful Financial Relationship
						
					 Control Your Cards
								Using Digital Tools to Manage Your Elements Credit and Debit Cards
							Control Your Cards
								Using Digital Tools to Manage Your Elements Credit and Debit Cards
						
					 SavvyMoney: A Financial Guide to Your Credit
								Introducing a new integrated tool within Elements Digital Banking
							SavvyMoney: A Financial Guide to Your Credit
								Introducing a new integrated tool within Elements Digital Banking
						
					 Contactless Payments Becoming New Normal
								As Our Lives and Routines Continually Change, So Do the Ways We Pay
							Contactless Payments Becoming New Normal
								As Our Lives and Routines Continually Change, So Do the Ways We Pay
						
					 Tools to Repair Your Credit
								Expert Tips To Improve Your Credit Score
							Tools to Repair Your Credit
								Expert Tips To Improve Your Credit Score
						
					 Building A Better Budget
								How Setting Goals and Managing Behaviors Leads to Less Stress
							Building A Better Budget
								How Setting Goals and Managing Behaviors Leads to Less Stress
						
					 Money & Your Mood
								How Emotions Can Impact Your Wallet
							Money & Your Mood
								How Emotions Can Impact Your Wallet
						
					 Take Control of Your Student Loan Debt
								Student Loan Repayment Strategies for Your Consideration
							Take Control of Your Student Loan Debt
								Student Loan Repayment Strategies for Your Consideration
						
					 Making The Most of Your Mortgage
								Tips for Homebuying, Refinancing, and Using Your Equity
							Making The Most of Your Mortgage
								Tips for Homebuying, Refinancing, and Using Your Equity
						
					 Five Ways to Improve Your Finances
								Expert Tips for Building a Better Financial Life
							Five Ways to Improve Your Finances
								Expert Tips for Building a Better Financial Life
						
					 Dealing with Debt
								Expert Tips for Understanding and Managing Debt
							Dealing with Debt
								Expert Tips for Understanding and Managing Debt
						
					 Preparing For The Future
								Estate Planning Advice from Kent Emswiller | Preferred Legal Partner of Elements
							Preparing For The Future
								Estate Planning Advice from Kent Emswiller | Preferred Legal Partner of Elements
						
					 Take Control of Your Credit
								The Secrets To How Your Credit Score Is Calculated
							Take Control of Your Credit
								The Secrets To How Your Credit Score Is Calculated
						
					 The Impact of Identity Theft
								Protecting Yourself From Being A Victim Of Fraud
							The Impact of Identity Theft
								Protecting Yourself From Being A Victim Of Fraud
						
					 Mythology Meets Your Money
								8 Ways to Avoid Common Financial Misconceptions
							Mythology Meets Your Money
								8 Ways to Avoid Common Financial Misconceptions
						
					 How to Keep Your Money Working for You During the Quarantine
								Elements weighs in with suggestions and solutions
							How to Keep Your Money Working for You During the Quarantine
								Elements weighs in with suggestions and solutions
						
					 Enhance Your Experience
								Tech Tips for Digital Banking
							Enhance Your Experience
								Tech Tips for Digital Banking
						
					 Checks & Balances: Beat The Fraudsters At Their Own Game
							Checks & Balances: Beat The Fraudsters At Their Own Game
						
					 The Many Myths of a Mortgage
							The Many Myths of a Mortgage
						
					 Fighting Fraud
							Fighting Fraud
						
					 Control Your Cash Flow
								Explore Our New Budgeting Tools
							Control Your Cash Flow
								Explore Our New Budgeting Tools
						
					 Save Smarter: Better Budgeting
							Save Smarter: Better Budgeting
						
					 Tech Tips: Enhance Your Digital Banking
							Tech Tips: Enhance Your Digital Banking
						
					 Check Your Credit Report Prior to the Holidays
							Check Your Credit Report Prior to the Holidays
						
					 Home Improvements Tips For Summer Time
							Home Improvements Tips For Summer Time
						
					 One Week Guide to Spring Cleaning Your Finances
							One Week Guide to Spring Cleaning Your Finances
						
					 The Need For Estate Planning After Divorce
							The Need For Estate Planning After Divorce