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Important Information About the Federal Government Shutdown: At Elements, we understand that the shutdown may cause financial stress for members working for the federal government. If you or your family are affected, our team is here to support you. Contact us directly to discuss your situation and explore payment assistance options.

State of Indiana & Elements Financial

Your credit union and financial wellness partner

Upcoming Events

  • Workshop: Understanding Social Security

    Wednesday, November 12, 2025
    11:00 am - 12:00 pm Eastern

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Popular Special Offers

Special Auto Loan Offer

Rates as low as 5.44 % APR1 When you buy or refinance2 a new or used vehicle3

Learn More Apply Now

ELEMENTS VISA SIGNATURE CREDIT CARD

0 % Intro APR for 18 Months4
14.74 % Variable APR, Thereafter4
on purchases and balance transfers5

Learn More Apply Now

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Banking with a Human Touch

photo of TC Taylor

TC Taylor

Relationship Manager

Hi! I'm TC Taylor, Elements Financial Senior Relationship Manager for the State of Indiana. I'm here to help with your financial wellness needs. Please contact me directly if you need any assistance.

Here to provide trusted advice!

  • One-on-One Credit Report Reviews
  • Creating a Custom Budget
  • Planning for Future Financial Goals
  • Tips to Build Your Savings
  • Assistance with Loan Applications
  • Debt Management Strategies
  • Reviewing Current Loans & Rates
  • Exploring Refinance Options
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Better Rates. Fewer Fees. Because we’re a non-profit, member-owned credit union What’s a credit union?
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I grew up in a small town, and it was common for bank employees to greet you by name, and to make you feel important. Elements is exactly like that…except it's in a big city. Really nice staff, easy business transactions, and they actually listen!

– Curt M. | Member Since 2014
  1. 1 Rates effective August 29, 2025, subject to change without notice. Promotional rate includes 0.25% reduction for Preauthorized Transfer from an Elements checking account set up at closing. Rate reduction is subject to increase if the Preauthorized Transfer is discontinued. Each individual’s Annual Percentage Rate (APR) is determined by Elements’ underwriting criteria. Rate may vary depending on credit history, vehicle model year, and loan term. Not all applicants will qualify for the displayed lowest rate. First payment due 90 days from loan funding. Interest charges begin accruing as of the loan funding date. APR calculation and estimated monthly payment of $627.58 based on loan amount of $30,000, FICO® score of 730 or greater, term of 54 months, model year 2024 and newer, and the loan being a purchase or non-Elements Financial auto loan refinance. Payment shown does not include taxes or insurance premiums. FICO score less than 640 not eligible for promotion. Subject to credit approval. Promotion subject to change without notice and may end at any time. Additional conditions may apply. Private party sales outside of Indiana and non-franchise dealerships (Carvana, Enterprise, etc.) are not available for financing at Elements Financial. Current Elements Financial auto loans are ineligible for this promotion. Federally Insured by NCUA.
  2. 2 Elements Financial refinances subject to $200 refinance fee.
  3. 3 Current Elements Financial auto loans are ineligible for this promotion.
  4. 4 Signature Rewards Visa Introductory APR (Annual Percentage Rate) good for 18 months. Elements Financial loans are not eligible for payoff with introductory balance transfer offers. Subject to credit approval. Additional limitations, terms, and conditions apply. After introductory period your Standard variable APR for Purchases and Balance Transfers will be 14.74% for Signature Rewards Visa. Rate effective October 30, 2025, and will vary with the market based on the Prime Rate as published in The Wall Street Journal. Elements reserves the right to amend or discontinue offers at any time. Terms & Conditions.
  5. 5 Signature Rewards Visa Credit Card Transaction Fees — Credit Card Balance Transfer: 4% on each Balance Transfer. Credit Card Cash Advance: Up to 3% for each Cash Advance or a minimum of $5.00.