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Warm Up With New Wheels

Limited-Time Auto Loan Special

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Special Offers

Warm Up With New Wheels

Special Auto Loan Offer

Rates as low as 5.19 % APR1 When you buy or refinance2 a new or used vehicle

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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

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Lock in Your Earnings

18-MONTH CERTIFICATE (FIXED RATE)

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

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In the Community

Our Commitment to Community Impact

Nine years ago, we established our annual Purpose Day—a day dedicated to giving back to the neighborhoods our members call home. Learn how our team stepped away from the office to volunteer with six different nonprofit organizations, putting our purpose into action.

Purpose Day 2025

Partner with Elements

Band of Believers in Elements Financial

We’re Building a Band of Believers in Financial Wellness

For over 80 years, Elements Financial Federal Credit Union has been the trusted financial services partner of Eli Lilly. Today we serve the employees of over 150 companies around the U.S.

Join Our Movement

In the News

Group check presentation

Awarding $137,500 to Strengthen Local Youth Programs

Elements is proud to give back to DREAM Alive Inc. to support their organization through the Community Multiplier Program at the Federal Home Loan Bank of Indianapolis.

Read More

Focused on Your Financial Wellness

We're like a bank, only better. Better Rates. Fewer Fees. Trusted Advice. Fresh Approach. Respected Locally. Accessed Globally. High Tech. Human Touch.

Elements Financial is a credit union. What's a credit union? Glad you asked! A credit union is a not-for-profit financial institution that's owned by its members. That means we offer all the same products as a bank, but our profits are returned to our member-owners in the form of reduced fees, higher savings rates and lower loan rates.

About Elements

As a non-profit, member-owned credit union, Elements Financial has the ability to do some pretty amazing things for our members. While offering all the products, services and technologies of a conventional bank, our unique business model allows us to return profits to our member-owners in the form of reduced fees, higher savings rates and lower loan rates.

Benefits of a Credit Union

Dependability and innovation: these twin concepts work in harmony to help Elements deliver financial wellness to members. Our practical financial advice is dependable enough to have earned us a ranking among the top 5% of credit unions in the U.S., with more than 100,000 members and $2.2 billion in assets. Our spirit of innovation spurs us to constantly search for better and more convenient amenities for our partners, such as holding financial workshops at their workplaces and online.

See Financial Resources

Elements Financial Federal Credit Union has been a part of the Central Indiana community since 1930. We’re proud of the respect and reputation we’ve earned in our community during those 90+ years. We’re also proud to offer our members access to our services wherever they go, with 90,000+ surcharge-free ATMs and 5,000+ shared branches worldwide.

Find an ATM or Branch

With digital services in place, we can offer convenience and ‘round-the-clock service through many channels; however, we never want that service to become cold and impersonal. We feel that we’ve gotten the formula right at Elements: modern technology made personal by 24/7 human support. Our purpose is to empower members to achieve financial success, and we have balanced resources to achieve that.

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  1. 1 Rates effective March 2, 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 $624.15 based on loan amount of $30,000, FICO® score of 730 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. 2 Current Elements Financial auto loans are ineligible for this promotion.
  3. 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.

    Subject to membership requirements. These terms and conditions may change at any time without notice.

    Federally Insured by NCUA.

  4. 4 Share Certificate (Fixed Rate) Annual Percentage Yield (APY) effective as of March 2, 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.