Special Offers

Current Special Offers

For State of Indiana employees and their families

Get More From Your Money

HIGH INTEREST CHECKING

4.00 % APY¹ For New Accountholders for 12 Months on Balances up to $20,000

Learn More Open an Account

Lock in Your Earnings

34-MONTH CERTIFICATE

2.00 % APY² Limited Time Certificate Special

See Additional Specials Open a Certificate

Get a Great Guaranteed Rate

8-MONTH CERTIFICATE

1.00 % APY² Limited Time Certificate Special

See Additional Specials Open a Certificate

Support Your Home Teams

ELEMENTS CREDIT CARDS

Get a $200 Cash Bonus³ When you open and use a new Indianapolis Indians or Butler University credit card

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Limited Time Offer

STUDENT LOAN REFINANCES

Refinance and earn a $250 Cash Bonus⁴ And enjoy no payments and no interest for 3 months⁵

Learn More

Find the Perfect Card for Your Purchases

ELEMENTS CREDIT CARDS

Get a $200 Cash Bonus³ When you open and use a new Elements credit card

Compare Credit Cards Apply Now

Great Rates and Terms to Fit Your Budget

AUTO LOANS

Get up to $500 Cash Bonus⁶ When you buy or refinance

Learn More Apply Now

Ron Ellis

Relationship Manager

Hi! I'm Ron Ellis, 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 Promo High Interest Checking (Promo HINT) is a High Interest Checking with a promotional 4.00% fixed Annual Percentage Yield (APY) accurate as of April 25, 2022, on balances up to $20,000 and 0.10% APY on balances greater than $20,000 on accounts with 15 qualifying transactions per statement cycle. Promo HINT APY is fixed for 12 months from account opening date. On the first day of the month following the account opening anniversary month, the Promo HINT APY will automatically convert to the then current non-pro- motional High Interest Checking account APY which is variable and may change at any time without notice. Current High Interest Checking account holders and those with High Interest Checking accounts closed less than 180 days are not eligible. An existing High Interest Checking account cannot be converted to the Promo HINT. Limit one Promo HINT per person. Other qualifications may apply. Promotional offer may be discontinued 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. Accounts not meeting the qualifying transaction threshold will earn 0.05% APY. Fees may reduce earnings.
2 Certificate Annual Percentage Yield (APY) effective as of July 1, 2022, and may change without notice. Fees may reduce earnings. Penalty for early withdrawal. *Limited Time Certificates Special — Limited time offer may be withdrawn at any time. Unless redeemed, Upon maturity, the 8-month certificate will automatically reinvest into a 6-month certificate at the then current APY; the 18-month certificate will automatically reinvest into an 18-month certificate at the then current APY; the 26-month certificate will automatically reinvest into a 24-month certificate at the then current APY; the 34-month certificate will automatically reinvest into a 36-month certificate at the then current APY.
3 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.
4 Student Loan Refinance $250 Cash Deposit Offer — To qualify, the loan application must be started between 4/1/2022 and 5/31/2022. Upon approval and disbursement of your refinance loan, the primary borrower will receive a cash deposit of $250. The cash deposit will be awarded in the form of a deposit to your credit union checking or savings account within 90 business days from the funding date of the loan. The primary borrower must be a credit union member in good standing at the time of deposit. Limit one cash award per borrower. The credit union reserves the right to modify the terms of this offer at any point in the future for new applications. Recipient is responsible for any applicable federal, state, or local taxes associated with receiving the cash deposit; consult your tax advisor to determine applicable tax consequences.
5 Student Loan Refinance Three Month No Payment Promotion — To qualify, the loan application must be started between 11/19/2021 and 5/19/2022 and the selected repayment term must be 10 years or less. Upon disbursement of your refinance loan, no payments will be required and no interest will accrue during a three-month promotional period. After this three-month promotional period ends, this loan requires full payments of principal and interest. The credit union reserves the right to modify the terms of this offer at any point in the future for new applications.
6 Auto Loan Related Maximum $500 Cash Bonus 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.

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Current Special Offers

For State of Indiana employees and their families

Get More From Your Money

HIGH INTEREST CHECKING

Lock in Your Earnings

34-MONTH CERTIFICATE

Get a Great Guaranteed Rate

8-MONTH CERTIFICATE

Support Your Home Teams

ELEMENTS CREDIT CARDS

Limited Time Offer

STUDENT LOAN REFINANCES

Find the Perfect Card for Your Purchases

ELEMENTS CREDIT CARDS

Great Rates and Terms to Fit Your Budget

AUTO LOANS

Contact us to get started!

Ron Ellis

Justin Montour

Shaneka Pedersen

Stephen Brennan