We're here to help you make the most of your money.
At the core of the Elements Experience is value through our industry's best products and services. We are known for higher deposit rates, lower loan rates, and fewer fees than our competitors. No matter what, our purpose is to empower members to achieve financial success.
Estimate your rates with our online Financial Calculators.
Stay informed by estimating auto loan and mortgage payments or see how to maximize your savings with our financial calculators.
Earn more from your money with our High Interest Checking Account.
It's the easiest way to make some extra cash! Open a High Interest Checking Account from Elements and enjoy the potential to earn up to $400 per year in interest.1 Learn more or apply today to start earning 2.00% APY2.
Elements has all the features I look for in a bank including an easy to use app and I earn a great rate on my checking account.”
Use your home For anything with a Home Equity Line of Credit.
With low rates, your home's equity can be used for anything you might need including:
- Home Improvements
- Student Loans or Tuition
- New or Used Car
- Medical Bills
- Debt Consolidation
- It's up to you!
Enjoy a new (and better) rate of 0.99% APR on new Home Equity Lines of Credit for 6 months then as low as 3.75% variable APR.3
Free yourself from fees with a new Elements Credit Card.
There’s no annual fee on any Elements card, plus no international transaction fees or balance transfer fee4 on our Signature Rewards Visa Credit Card. Explore our credit cards to find an option that works best for you.
Save money on your loans when you refinance with Elements.
The average consumer saves $304 per month when they refinance a mortgage.5
Buy or refi your home with no Private Mortgage Insurance.
Explore various mortgage products from Elements that include no Private Mortgage Insurance (PMI) at elements.org/mortgage. Private Mortgage Insurance can cost upwards of 2% of your mortgage value at other financial institutions, so there is a potential for huge savings with Elements!
I was able to save hundreds of dollars on my mortgage when I refinanced with Elements and the Private Mortgage Insurance fees disappeared.
Don't pay to pre-pay with no penalties on our loans.
Unlike many of our banking competitors, Elements does not charge a prepayment penalty on any loans.