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Agreements & Disclosures

Fee Schedule
Privacy Policy
Atira Reload Card Fee Schedule

Personal Account Agreement
Business Account Agreement and Terms and Conditions

Certificate Truth-in-Savings Disclosure
Checking & Savings Account Terms & Conditions
Credit Card Disclosures
Home Equity Line of Credit Terms & Conditions

Health Savings Account Agreement
Health Savings Account Disclosure

Person-to-Person Payments Online Access Agreement
Regulation D Explanation


National Credit Union Administration (NCUA)

National Credit Union Administration

NCUA Share Insurance

  • Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
  • Independent U.S. Government agency that regulates, charters and insures the nation's federal credit unions
  • Credit Union shares are insured by the National Credit Union Share Insurance Fund (NCUSIF)
  • Not one penny of insured savings has ever been lost by a member of a federally insured credit union
  • The fund is currently at the strongest and best reserved level in its history
  • Individual Retirement Accounts (IRAs) are insured separately from regular share accounts to $250,000.

 


Elements Financial is an Equal Housing Lender

We Do Business In Accordance With Federal Fair Lending Laws

As a member of Elements Financial you have certain rights and are protected when applying for any type of loan, including special rights when applying for a mortgage loan.


UNDER THE FEDERAL FAIR HOUSING ACT, IT IS ILLEGAL, ON THE BASIS OF RACE, COLOR, NATIONAL ORIGIN, RELIGION, SEX, HANDICAP, OR FAMILIAL STATUS (HAVING CHILDREN UNDER THE AGE OF 18), TO:

  • Deny a loan for the purpose of purchasing, constructing, improving, repairing or maintaining a dwelling, or deny any loan secured by a dwelling; or
  • Discriminate in fixing the amount, interest rate, duration, application procedures, or other terms or conditions of such a loan, or in appraising property.


IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:

Assistant Secretary for Fair Housing and Equal Opportunity
Department of Housing & Urban Development
Washington, DC 20410
For processing under the Federal Fair Housing Act

and to:

National Credit Union Administration
Office of Consumer Protection
Alexandria, VA 22314-3428
For processing under NCUA Regulations.


UNDER THE EQUAL CREDIT OPPORTUNITY ACT, IT IS ILLEGAL TO DISCRIMINATE IN ANY CREDIT TRANSACTION:

  • On the basis of race, color, national origin, religion, sex, marital status, or age,
  • Because income is from public assistance, or
  • Because a right was exercised under the Consumer Credit Protection Act.


IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:

National Credit Union Administration
Office of Consumer Protection
Alexandria, VA 22314-3428

NCUA 1582 (Revised 2/2012)