Special Offers

Current Special Offers

For State of Indiana employees and their families

Home is Where the Heart Is and the Extra Cash

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

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Find the Perfect Card for Your Purchases

ELEMENTS VISA SIGNATURE CREDIT CARD

0 % Intro APR for 18 Months²

14.74 % Variable APR, Thereafter²

on purchases and balance transfers³

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Skip the Toys and Start a Tradition of Smart Saving

Holiday Youth Certificate (Fixed Rate)

A gift that keeps paying dividends 2.75 % APY⁴ Offered for Ages 24 and under⁴

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Savings to Boost Your Return

FIXED RATE CERTIFICATES

8-Month Term 3.75 % APY⁵

13-Month Term 3.25 % APY

Highly Competitive Rates

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Our Tiered Account for Savers

HIGH YIELD SAVINGS

Take Your Yield Higher 3.45 % APY⁶ on Balances of $250,000 or Greater

Learn More Open an Account

Stephanie Roesner

Branch Manager

Schedule an Appointment

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.

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 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 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.
4 Youth Certificates: Birthday, Graduation, and Holiday Certificate (Fixed Rate) Annual Percentage Yield (APY) effective as of November 3, 2025, and may change without notice. Minimum deposit of $100.00 to open certificate. Maximum balance is limited to $20,000.00. At the time of account opening, the primary account owner must be the age of 24 or younger, and at least one account owner must be 18 years of age or older. Minimum of $100 balance required to earn dividends. Individual Retirement account funds are not eligible. Penalty for early withdrawal. Elements reserves the right to amend or discontinue offers at any time and to limit the balance of a certificate at any time.
5 Share Certificate (Fixed Rate) Annual Percentage Yield (APY) effective as of November 1, 2025, and may change without notice. Minimum deposit of $1,000 to open certificate. Primary members under the age of 18 must have a $500 minimum deposit to open certificate. Minimum of $500 balance required to earn dividends. Unless redeemed, upon maturity, the 8-month certificate will automatically reinvest into a 6-month certificate at the then current APY; the 13-month certificate will automatically reinvest into a 12-month certificate at the then current APY. Penalty for early withdrawal. Elements reserves the right to amend or discontinue offers at any time and to limit the balance of a certificate at any time.
6 High Yield Savings Annual Percentage Yield (APY) accurate as of November 1, 2025. High Yield Savings is a tiered savings account paying a variable dividend rate, that may change at any time, on the entire balance in your account based on the rate for the tier corresponding to each day’s daily balance. The account is available for new money only which are funds not on deposit at Elements for 90 days prior to opening the High Yield Savings account. Existing Elements members with savings accounts must deposit $25,000.00 or more of new money within 10 days of opening the High Yield Savings account. Existing Elements members with savings accounts with combined daily balances of $2,500.00 or less for the 90 days prior to account opening are excluded from the new money requirement. Additional information for each tier: An APY of 0.10% applies to accounts with balances from $0.01 to $99.99. An APY of 0.75% applies to accounts with balances from $100.00 to $2,499.99. An APY of 1.25% applies to accounts with balances from $2,500.00 to $9,999.99. An APY of 3.00% applies to accounts with balances from $10,000.00 to $24,999.99. An APY of 3.10% applies to accounts with balances from $25,000.00 to $49,999.99. An APY of 3.25% applies to accounts with balances from $50,000.00 to $99,999.99. An APY of 3.35% applies to accounts with balances from $100,000.00 to $249,999.99. An APY of 3.45% applies to accounts with balances of $250,000.00 and above. At least one account holder must be 18 years of age. Other qualifications may apply. Offer may be discontinued at any time. Fees may reduce earnings.

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