Special Offers

Current Special Offers

For State of Indiana employees and their families

Better Rides Now in Bloom

Special Auto Loan Offer

Rates as low as 4.94 % APR¹ When you buy or refinance² a new or used vehicle

Learn More Apply Now

This is Worth Sharing. Refer a Friend & Earn!

REFER A FRIEND & EARN!

Refer a Friend Today Get $50. Give $50. Share the rewards! When meeting eligibility requirements³

Learn More Get Started

Lock in Your Earnings

18-MONTH CERTIFICATE

Get a Guaranteed Rate 3.15 % APY⁴ Learn more and get started today

Learn More Open a Certificate

Find the Perfect Card for Your Purchases

ELEMENTS VISA SIGNATURE CREDIT CARD

0 % Intro APR for 18 Months⁵

14.49 % Variable APR, Thereafter⁵

on purchases and balance transfers⁶

Learn More Apply Now

Get More From Your Money

HIGH INTEREST CHECKING

2.00 % APY⁷ On balances up to $20,000 with 15 qualifying transactions per statement cycle

Learn More Open an Account

Our Tiered Account for Savers

HIGH YIELD SAVINGS

Take Your Yield Higher 3.00 % APY⁸ on Balances of $250,000 or Greater

Learn More Open an Account

Home is Where the Heart Is and the Extra Cash

HOME EQUITY LINE OF CREDIT

6-Month Intro Rate 3.99 % APR⁹

Then as low as 6.50 % Variable APR

on New Home Equity Lines of Credit

Learn More Apply Now

Rich Case

Relationship Manager

Hi! I'm Rich Case, your Elements Financial 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.

1 Rates effective April 1, 2026, 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 $620.73 based on loan amount of $30,000, FICO® score of 790 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 Current Elements Financial auto loans are ineligible for this promotion.
3 Elements Financial - Refer-A-Friend Checking Account Offer: The Elements member making the referral (Referrer) will earn a $50 Visa® Virtual Reward for each individual referred (Referred Person) to Elements Financial who registers for the offer via ReferLive, opens a new Elements Financial personal checking account, and completes the offer requirements within the time specified in the offer. To make a referral, the Referrer must be an Elements member, register for the program and share the offer with their friends, family, or coworkers. A Referrer may earn up to $500 in Visa Virtual Reward within a calendar year. Only one Referrer may receive a Visa Virtual Reward for each Referred Person who fulfills the requirements.

Offer Requirements: To earn a $50 Visa Virtual Reward, the Referred Person must register by following the link provided in the referral email or on social media, open a new Elements Financial personal checking account, and meet the following requirements within 90 days of account opening:
- Have two (2) or more external direct deposits of $500 or more each.
  - A qualifying direct deposit must be an electronic deposit of your paycheck, pension, or other government benefits (such as Social Security) from your employer or the government. Person-to-Person payments including but not limited to Zelle® and Venmo®, and transfers from external accounts, do not qualify as direct deposits under the Program.
The Referred Person is subject to membership eligibility, and will be considered ineligible if they currently have, or have had a previous Elements checking account within the last 180 days.

The Referrer authorizes the sending of communications to each Referred Person. The email may not be recovered if the person has “opted out” of marketing material from Elements Financial or ReferLive. Each person who registers at ReferLive authorizes future communications including emails regarding the program unless they “opt out” by making an election at ReferLive or within such email. The Referred Person acknowledges that a Visa Virtual Reward will be issued to the Referrer after all conditions have been met in the time frames provided.

Please allow 2-3 weeks after completion of all requirements for delivery of the Visa Virtual Reward. The Visa Virtual Rewards are subject to Terms and Conditions delivered with the reward and expire 6 months after date of issuance. Virtual Rewards may be reported as income to the IRS.

Visa Virtual Reward is a registered trademark of Visa, Inc. Visa is not a participant or sponsor of this promotion.

Referral links are issued solely for individual, personal, and non-commercial use. The Referrer expressly agrees not to use the referral program or any referral link in a manner that is intended, or could reasonably be expected, to manipulate, exploit, misrepresent, or otherwise harm the referral program, or its members, including through fraudulent activity, gaming of incentives, or circumvention of program controls. Elements Financial reserves the right, at its sole discretion, to deactivate referral links, deny or revoke rewards, and take any additional action deemed appropriate if Elements Financial determines that the Referrer and/or Referred Person engaged in misuse, or other prohibited activity, including but not limited to establishing or using an account for the purpose of exploiting the promotional offer or otherwise engaging in promotional abuse.

Use of Elements Financial trademarks, logos, or copyrighted website content in third-party videos, advertisements, or digital content without express written consent is strictly prohibited and may result in disqualification from the program, forfeiture of any rewards, and further legal action.

These terms and conditions may change at any time without notice. The Referred Person and Referrer must both have an open membership in good standing at the time the rewards are to be paid.

Federally Insured by NCUA.
4 Share Certificate Annual Percentage Yield (APY) effective as of April 1, 2026, 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.
5 Signature Rewards Visa Introductory APR (Annual Percentage Rate) good for 18 months. Introductory offer applies to new credit cards only. 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 14.49% for Signature Rewards Visa. Rate effective April 1, 2026, and will vary with the market based on the Prime Rate as published in The Wall Street Journal. A 4% transfer fee applies to each balance transfer. Balance transfers cannot be used to pay off another Elements Financial account and may take up to two weeks to process. Balance transfers are not eligible to earn rewards. Maximum total transfer amount is limited to your available credit line. Elements reserves the right to amend or discontinue offers at any time. Terms & Conditions.
6 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.
7 High Interest Checking Account pays dividends using blended rate tiers meaning the stated dividend rate will be paid on the portion of the balance for each tier. The Annual Percentage Yield (APY) for Tier 1 is 2.00% on balances up to $20,000.00 and the **Tier 2 APY ranges from 2.00% to 0.86% on balances from $20,000.01 to $50,000.00. To earn Tier 1 or Tier 2 dividend rates, 15 qualifying transactions must post per statement cycle on the account. The statement cycle includes all transactions posted after the last business day of the prior month through the last business day of the current month. Accounts not meeting the qualifying transaction threshold will earn 0.05% APY. Rates accurate as of April 1, 2026. All rates are variable and may change without notice at any time. Only the following are qualifying transactions: Debit card purchases, checks, bill payments, ATM withdrawals and ACH withdrawals. No other transactions qualify. At least one account holder must be at least 18 years old. Fees may reduce earnings.
8 High Yield Savings Annual Percentage Yield (APY) accurate as of April 1, 2026. 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 0.10% applies to accounts with balances from $100.00 to $2,499.99. An APY of 0.60% applies to accounts with balances from $2,500.00 to $9,999.99. An APY of 2.20% applies to accounts with balances from $10,000.00 to $24,999.99. An APY of 2.45% applies to accounts with balances from $25,000.00 to $49,999.99. An APY of 2.70% applies to accounts with balances from $50,000.00 to $99,999.99. An APY of 2.90% applies to accounts with balances from $100,000.00 to $249,999.99. An APY of 3.00% 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.
9 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% applies for the first six months and is available for new Home Equity Lines of Credit (HELOCs) and for existing HELOCs that meet qualification requirements. Effective April 1, 2026, existing Elements HELOCs that have been open and active for at least 60 months may be renewed or rewritten and are eligible for the Introductory APR. HELOC modifications, renewals, or increases that use the same property but have not been open and active for at least 60 months are not considered new accounts and are not eligible for the Introductory rate. To qualify for the Introductory rate, a minimum draw of $10,000 must be completed 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 April 1, 2026, applies to borrowers with credit scores of 790 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.

Getting Started

Managing Your Account

Managing Your Account

Payments + Programs

Payments

Managing Your Card

More Products & Services

Auto Programs

Specialized Programs

Deposit Rates

Loan Rates

Credit Card Rates

Commercial Product Rates

Popular Calculators

24 Hours a Day/7 Days a Week

Routing Number

State of Indiana & Elements Financial

Current Special Offers

For State of Indiana employees and their families

Better Rides Now in Bloom

Special Auto Loan Offer

This is Worth Sharing. Refer a Friend & Earn!

REFER A FRIEND & EARN!

Lock in Your Earnings

18-MONTH CERTIFICATE

Find the Perfect Card for Your Purchases

ELEMENTS VISA SIGNATURE CREDIT CARD

Get More From Your Money

HIGH INTEREST CHECKING

Our Tiered Account for Savers

HIGH YIELD SAVINGS

Home is Where the Heart Is and the Extra Cash

HOME EQUITY LINE OF CREDIT

Contact us to get started!

Rich Case

Justin Montour

Jill Kidwell

Thomas Coleman