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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

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Popular Special Offers

HOME EQUITY LINE OF CREDIT

6-Month Intro Rate 3.99 % APR1
Then as low as 7.00 % Variable APR
on New Home Equity Lines of Credit

Learn More Apply Now

ELEMENTS VISA SIGNATURE CREDIT CARD

0 % Intro APR for 18 Months2
14.74 % Variable APR, Thereafter2
on purchases and balance transfers3

Learn More Apply Now

See All Special Offers

Banking with a Human Touch

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Stephanie Roesner

Branch Manager

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Hi! I'm Stephanie Roesner, your Elements Financial contact 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!

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  • Creating a Custom Budget
  • Planning for Future Financial Goals
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  • Debt Management Strategies
  • Reviewing Current Loans & Rates
  • Exploring Refinance Options
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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 are based on an evaluation of credit history, combined loan-to-value ratio, loan term, and occupancy, so your rate may differ. Not all applicants will qualify for the displayed lowest rates. The term is 25 years, consisting of a 10-year draw period with interest-only payments followed by a 15-year repayment period with principal plus interest, which may increase your monthly payments. The Introductory Annual Percentage Rate (APR) of 3.99% is for new Home Equity Lines of Credit only and is for the first six months. HELOC modifications, renewals and increases that utilize the same property are not considered new and are not eligible for the introductory rate. To receive the Introductory rate, a draw of at least $10,000 must be made within 30 days of account opening. After the introductory rate expires, balances will be charged at the variable APR based upon the Prime rate as published in The Wall Street Journal plus a margin. The APR will never be lower than 3.75% or higher than 18%. The stated rate, correct as of November 1, 2025, applies to borrowers with credit scores of 730 or greater, CLTV 80% or less, and owner-occupied single-family residences. Elements Financial will conditionally waive the following Closing Costs associated with your home equity line of credit: flood certification, title search or title abstract, credit report, recording fees, and a simple valuation. You may be required to pay other costs such as taxes, and when required, appraisal fees. However, if you close your home equity line of credit within 36 months after it is opened, you will be required to pay an Early Closure Fee in the amount of the Closing Costs originally waived. These costs vary by state and property type. Elements Financial reserves the right to modify or end this offer at any time. Additional terms and conditions may apply. Subject to credit approval. Elements Financial Membership Required.
  2. 2 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 November 1, 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.
  3. 3 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.