The National Credit Union Administration (NCUA) has closed and placed into liquidation the Indianapolis’ Newspaper Federal Credit Union (INFCU) and has entered into a "purchase and assumption" agreement with our organization, Elements Financial Federal Credit Union. 

Most deposit accounts held at INFCU are now at Elements Financial, currently earning the same interest rates as before. These funds continue to be insured to $250,000 by the NCUA’s share insurance fund per the limits provided by the Federal Credit Union Act.


How will I know if my accounts have transitioned to Elements Financial?

Elements will contact members directly at your address of record if your deposit accounts are transitioning to our credit union. At that point, you will know you are enjoying the same rights and privileges afforded to every one of our members, and you will become part of our full-service credit union, headquartered in Indianapolis, more than 100,000 members strong, and in business since 1930. We would like to extend assurance that we are working diligently to transition memberships and accounts as smoothly as possible.

What if I do not hear directly from Elements about my accounts transitioning?

If you do not hear from Elements by April 12, please look to these organizations for support:

To inquire about LOANS, none of which transitioned to Elements:

Effective April 1, members who have loans through INFCU will now have their loans serviced by Statebridge, a third-party loan servicer not affiliated with Elements Financial. Impacted members will receive a welcome letter from them soon. See loans payment address below in Payment FAQs section.

To inquire about your loan with INFCU, contact:

Malaya Lawrence
Statebridge Company, LLC
866-466-3360, extension 6357 or


Statebridge Customer Service
(866) HOME360 / 866-466-3360
Monday to Thursday 7:00am to 7:00pm
Friday 7:00am to 6:00pm
Saturday 8:00am to 12:00pm Mountain Time

To inquire about CERTIFICATES/SAVINGS/CHECKING accounts IF they do NOT transition to Elements:

Indianapolis’ Newspaper Federal Credit Union
c/o National Credit Union Administration
4807 Spicewood Springs Road, Suite 5100
Austin, Texas 78759

You may make claims for share insurance to NCUA as Liquidating Agent through September 30, 2022, at their address above. Failure to make claims before that date will act as a bar to such claims.  

Where can I find my new member number and account number(s)?

Members who transition to Elements will hear from us at their address of record with their new member number and new account number(s) as close as possible to the effective date of April 1.

Why was my account moved to Elements?

This is a liquidation of INFCU. Elements Financial is working cooperatively with the National Credit Union Administration, by their request, to transition INFCU from their conservatorship to liquidation, resulting in Elements assuming most of the deposit accounts previously held by the other credit union.  

What are your fees and account terms and conditions?

Elements is known for better rates, fewer fees, fair account terms and conditions, and sound business practices.

All required member account documentation will be sent to your address of record by April 30, 2021.

Will my deposits be insured with Elements?

Yes, member savings accounts are federally insured up to $250,000 by the National Credit Union Share Insurance Funds (NCUSIF), which is administered by the National Credit Union Administration (NCUA). The fund is backed by the full faith and credit of the U.S. government. No taxpayer funds are used to support the (NCUA) or the (NCUSIF).

What interest rates am I receiving?

Your accounts from INFCU are now receiving the same rates as you had before. We encourage you to explore our Rates to see if there’s a better account for you.

What if I was expecting a tax refund by direct deposit to my INFCU account?

Your tax refund direct deposit will be automatically re-routed to your new corresponding Elements account.

What about my statement from INFCU?

You will receive your final INFCU statement as usual soon. We encourage you to report any differences or errors to the NCUA, using the contact information shown for that agency above.  If you typically receive multiple statements, be aware that you will receive a combined statement from Elements, moving forward.

Can I open other Elements accounts, take out loans, or change my types of accounts?

We’re a full-service, locally-based, and federally-insured credit union with original ties to Eli Lilly and Company in 1930 and now serving more than 150 organizations and 110,000 members. We’d love to have more of your business. Please explore this website for a full introduction to our products and services. We are likely to have many options that will fit your financial situation and goals.

What if I don’t receive a new debit card?

Please call us at 317-276-2105 or toll-free at 800-621-2105 if you have questions or concerns about your debit card.

What if my membership did not transition to Elements from INFCU, can I still apply to join this credit union?

Yes, open an Elements checking or savings account or apply for a loan or credit card. During the application process, we will open you an Elements savings account (that’s the part that makes your membership official). Learn more about how to get started.

What if I recently ordered a check through INFCU’s online banking? How will I receive that?

Please contact us at 317-276-2105 or toll-free at 800-621-2105 if this situation applies to you.

Why does my Elements statement for March show $0 balances for my accounts?

Because Elements did not assume your account balances from INFCU until April 1, your March month-end Elements statement accurately reflects a $0 balance at Elements. You will receive your March month-end statement from INFCU as usual which will reflect the correct balances of your accounts at INFCU as of March 31.


Is the INFCU Branch on South Meridian Street remaining open?

The branch is now closed. Please search here for 5,000+ shared branch locations and 78,000+ surcharge-free ATMs now available to you nationwide as a member of Elements.

What about ATMs?

The ATMs operated by INFCU at 8278 Georgetown Road and 130 S. Meridian St (inside the Indy Star Headquarters Building) have been deactivated. Please see the question above to search for new ATMs to use.

Will I still have access to MemberNet (account access online) and iPay (bill payments)?

Transactional access to MemberNet and iPay will conclude soon; you can expect to have access through April 12. You can set up and begin using Elements online & mobile banking as soon as you receive your member number and account number(s) at your address of record. Unfortunately, we were unable to transfer any historical information for INFCU’s online banking and bill payment system.

How do I enroll for online banking at Elements?

It’s simple to enroll for our Online Banking. Simply visit our online banking page for instructions.

How do I enroll for mobile banking at Elements?

Smartphone and tablet users can find the Elements Mobile Banking app within the iPhone App Store or Google Play.

What ATMs can I use with Elements?

Elements is proud to provide a global ATM network larger than our banking competitors. This surcharge-free network of 78,000+ ATMs includes Allpoint, CO-OP Network and Alliance One machines in the places you live, work and travel worldwide. You’ll find many of these cash machines located in national retailers, gas stations, and select banks and credit unions. Visit to search the network for the ATM nearest you. There are 2,000+ surcharge-free ATMs in Indiana alone.

What branches can I use with Elements?

The INFCU branch on South Meridian is now closed. Elements is proud to be part of the Shared Branch Network which includes 5,500+ locations nationwide. Visit to search the network for the branch nearest you. Elements Online & Mobile Banking is available 24/7, as is our Member Contact Center by phone.


How do I opt-in for your overdraft program?

Visit our Overdraft Protection page to learn about the program options and how to opt-in to Overdraft Privilege Extended Coverage.

What is the routing number for Elements Financial?

Our ABA (American Bankers Association) routing number is 274073834.

Will my member and account numbers change?

Yes, Elements will issue your new account numbers immediately on April 1. Please watch for a separate communication and instructions at your address of record regarding this transition.

Will I receive a new debit card?

Yes, if you currently have a debit card, Elements will issue you new plastic with a new debit card number by US Mail immediately on April 1. Please watch for a separate communication and instructions regarding this transition. Until then, you can expect your previous INFCU debit card to work through April 12.

How do I dispute a transaction on my INFCU debit card?

Please call us at 317-276-2105 or toll-free at 800-621-2105 to dispute transactions made with your INFCU debit card.

Will I receive new checks?

Yes, if you currently have checks, Elements will issue you 40 new free checks later in the month of April. Please watch for a separate communication regarding your checks.

Do I need to do update my direct deposit?

Yes, once you have received your new account numbers from Elements, you will want to contact your employer and/or other sources of income to re-establish your direct deposit to your preferred new account.

What about my automated payments? Do I need to set those up again?

Once you receive your new account numbers from Elements, please update your account information at any financial institution or business where you currently have automatic credits/debits to/from your previous INFCU accounts either by external withdrawal and/or recurring debit card transactions. This step will ensure proper posting of your automated payments.

What if I need a copy of an old check or statement?

Please call us at 317-276-2105 or toll-free at 800-621-2105 to make this type of request.

Do you offer bank wires?

Yes, we offer both incoming and outgoing bank wires in exchange for a related fee. All the information you need to conduct this type of account activity is clearly explained at


How do I make my loan payments now?

Effective April 1, members who have loans through INFCU will now have their loans serviced by Statebridge, a third-party loan servicer not affiliated with Elements Financial. Impacted members will receive a welcome letter from them soon. Any late payments found to be due to this transition should not negatively affect your credit.

Your loan payments should now be directed to:

Statebridge Company, LLC
Attn: Payment Processing Dept
PO Box 173313  
Denver, CO  80217-3313

Do I need to add my bill pays again?

Yes, you will need to add these to the online & mobile banking system at Elements.

What about payroll deductions?

No, we do not offer payroll deduction; yet we are committed to working one-on-one with all members to transition your payments and deposits formerly satisfied through your previous credit union.


Do you offer gift cards?

Yes, Elements does offer Visa® Gift Cards available at our branches or by phone. Gift cards are available in denominations of $10 – $750 with a fee of $4.00 for each gift card purchase.

Do you offer money orders?

Elements does not offer money orders. Better yet, we offer cashier’s checks at no charge to our members.

Do you offer loans and mortgages?

Yes, of course! We offer a comprehensive product line of auto loans, credit cards, and other personal loans. In fact, we are Indy’s #1 choice for homebuyers in the Indianapolis market when it comes to mortgage loans.1


Where should I direct my questions not answered above and my feedback?

There are many ways to contact Elements Financial. For this transition, please call us at 317-276-2105 or toll-free at 800-621-2105.