Current Special Offers

For State of Indiana employees and their families
Buy or Refinance with an Elements

Auto Loan Special

Rates as low as 3.24% for 48 months1 Good toward new or used vehicle purchases, or auto loan refinances2

Learn More About Auto Loans Apply Now

  1. 1 Rates effective December 1, 2020, subject to change without notice. Each individual’s Annual Percentage Rate (APR) is determined by the applicant’s credit history. Not all applicants will qualify for the displayed lowest rate. A $140 processing free applies to all auto loan applications. APR calculation and example monthly payments based on loan amount of $30,000, FICO® score of 730 or greater, and term of 60 months. Rate includes 0.25% dedication for automated payment from an Elements checking account. Additional conditions may apply. Subject to credit approval. Payments shown do not include taxes or insurance premiums. Please call for vehicle models 2011-2012.
  2. 2 Elements Financial refinances subject to $200 refinance fee.
Open any Elements

Visa Credit Card

$200 Cash Back Value1

Compare Credit Cards Apply Now

  1. 1 Credit Card Related $200 Cash Bonus Value Offer — requiring at least 10 card purchase transactions totaling at least net $1,000 within 90 days of card approval — will be fulfilled as a one-time $200 statement credit. Statement credit will not reduce your monthly payment. If the account is closed within six months, we reserve the right to add the amount of the statement credit back to your account balance at that time. Secured Credit Card excluded. Existing or previous Elements credit cardholders not eligible.  /  Offer subject to credit approval and may be taxable. Elements reserves the right to amend or discontinue offers at any time. Additional terms and conditions may apply. Please allow 4-6 weeks after qualifications are met for receipt of a statement credit. Product offers cannot be combined with other promotional offers for the same product. One offer per household.
Flexibility of a Traditional Checking Account with Fantastic Dividends

High Interest Checking Account

2.00% APY with only 15 qualifying transactions per statement cycle1

Learn More about High Interest Checking Open Account

  1. 1 High Interest Checking Account Annual Percentage Yield (APY) effective as of December 1, 2020, is variable and may change after account is opened without notice. The APY is 2.00% on balances up to $20,000, 0.10% on balances greater than $20,000. Premium dividend on account(s) with 15 qualifying transactions per statement cycle. Only the following are qualifying transactions: Debit card purchases, checks, bill payments, ATM withdrawals and ACH withdrawals. No other transactions qualify. Dividends will be paid per statement cycle requirement. At least one account holder must be at least 18 years old. Accounts not meeting the qualifying transaction threshold will earn 0.05% APY. Fees may reduce earnings. See Truth in Savings Disclosures for details.
Intro Rate for New

Home Equity Line of Credit

as low as 1.99% for 6 months, then as low as 3.75% variable APR1

Learn More about HELOCs

  1. 1 Each individual's Annual Percentage Rate (APR) is determined by the applicant's credit history. Not all applicants will qualify for the displayed lowest rates. Home Equity Line of Credit: The Introductory Annual Percentage Rate (APR) of 1.99% is for new home equity lines of credit only and is for the first six months. To receive the Introductory rate, a draw of at least $5,000 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%. Rates vary depending upon credit history, combined loan-to-value (CLTV), and occupancy. The stated rate, correct as of December 1, 2020, applies to borrowers with credit scores of 730 or greater, CLTV 80% or less, and owner-occupied single-family residences. Elements Financial will pay flood determination fee, title search, and simple valuation. You may be required to pay other costs such as recording fees, taxes, and when required, appraisal fees. 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.
Buy or Refinance with an Elements

Auto Loan

Up to $500 Cash Bonus1

Learn More about Auto Loans Apply Now Enter Promo Code AUTO500

  1. 1 Auto Loan Related Maximum $500 Cash Back Offer — requiring closing of auto loan with automated payments from an Elements Checking Account set up at closing, commencement of automated payments, and submission of applicable promo code at application — is calculated as 1% of the total loan amount with a maximum of $500.00 one-time bonus dividend deposit into the Elements Checking Account used for the automated payment. If automated payments from the Elements Checking Account are discontinued, we reserve the right to deduct the bonus from the checking account balance at that time. Elements Financial refinances and third-party auto loan transactions are not eligible.  /  Offer subject to credit approval and may be taxable. Elements reserves the right to amend or discontinue offers at any time. Additional terms and conditions may apply. Please allow 4-6 weeks after qualifications are met for receipt of the bonus. Product offers cannot be combined with other promotional offers for the same product. One offer per household.