Special Offers

Current Special Offers

For State of Indiana employees and their families

Elevate Your Rate

PROMO HELIUM SAVINGS

Where Balances Continue to Expand 3.25 % APY¹ for One Year on New Money Not Already on Deposit at Elements

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Lock in Your Earnings

18-MONTH CERTIFICATE

Get a Guaranteed Rate 4.00 % APY² Limited Time Certificate Special

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Our Most Popular Checking Account

HIGH INTEREST CHECKING

Get More from Your Money 4.00 % APY³ for New Accountholders for 12 Months on Balances up to $20,000

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Home is Where the Heart Is and the Extra Cash

HOME EQUITY LINE OF CREDIT

Introductory Rate of 3.99 % APR⁴ for 6 months then as low as 7.00% variable APR

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Find the Perfect Card for Your Purchases

ELEMENTS CREDIT CARDS

Get a $200 Cash Bonus⁵ when you open and use a new Elements credit card

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Great Rates and Terms to Fit Your Budget

AUTO LOANS

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

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Ron Ellis

Relationship Manager

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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 Helium Savings (Promo Helium) is a Helium Savings account with a promotional 3.25% fixed Annual Percentage Yield (APY) on balances of $2,500.00 and above for the first 12 months from the account opening date. The maximum account balance is limited to $500,000.00. Rates are accurate as of December 1, 2022. The APY is 0.10% on balances up to $2,499.99 and is variable and may change at any time without notice. On the first day of the month following the account opening anniversary month, the Promo Helium Savings account will automatically convert to a non-promotional Helium Savings account, with no maximum account balance and earning the then current APYs which are variable and may change at any time without notice. The non-promotional Helium account is a tiered rate account in which the dividends are calculated on the entire balance in your account based on the rate for the tier corresponding to each day’s daily balance. Current Helium Savings account holders and those with Helium Savings accounts closed less than 90 days are not eligible. An existing Helium Savings account cannot be converted to the Promo Helium. Limit one Promo Helium per person. At least one account holder must be 18 years of age or older. No monthly Maintenance Service Charge. Fees may reduce earnings. Other qualifications may apply. Promotional offer may be changed or discontinued at any time.
2 Certificate Annual Percentage Yield (APY) effective as of December 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 18-month certificate will automatically reinvest into an 18-month certificate at the then current APY.
3 Promo High Interest Checking (Promo HINT) is a High Interest Checking account with blended rate tiers, meaning the stated dividend rate will be paid on the portion of the balance for each tier. Tier 1 earns a promotional 4.00% fixed Annual Percentage Yield (APY) on balances up to $20,000.00 for the first 12 months from the account opening date. Tier 2 pays a blended APY ranging from 0.10% to 1.660% on balances from $20,000.01 to $50,000.00 and is variable and may change at any time without notice. To earn Tier 1 or Tier 2 dividends rates, 15 qualifying transactions must be performed during each statement cycle. Accounts not meeting the qualifying transaction threshold will earn 0.05% APY which is variable and may change at any time. Rates are accurate as of December 1, 2022. 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-promotional 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. Fees may reduce earnings.
4 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. 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 December 1, 2022, 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.
5 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.
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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