Skip to main content
Online Banking Maintenance Planned for This Sunday Night - Read More Here

Special Offers from Elements

Better rates and fewer fees than the average bank or credit union.

Open an Account

Or call 1-800-621-2105

  1. Home
  2. Special Offers from Elements

Home Equity Line of Credit

Introductory rate of 4.99% APR on new Home Equity Lines of Credit for 6 months then as low as 7.50% variable APR1
  • The amount you can borrow is based on the equity you have in your home, up to 90% of the value of the home
  • Access as much or as little as you need whenever you need it — up to the credit limit established at closing
  • Revolving credit line for the 10-year draw period — use, repay, repeat
  • Interest-only payment feature for 10 years
  • No prepayment penalties
  • No annual fee
  • No closing costs

Apply Now
Or call 1-800-621-2105 Learn More

High Yield Savings

Take your yield higher with our newest tiered account for savers.
  • High Yield Savings rate of 3.90%APY2 on balances of $250,000 and greater
  • On new money not already on deposit at Elements — See disclosures for further details.
  • Represents competitive pricing in the marketplace
  • No monthly Maintenance Service Charge

Open an Account
Or call 1-800-621-2105 Compare our Savings Accounts

$200 Cash Bonus with an Elements Credit Card

Get a $200 Cash Bonus3 with an Elements Credit Card

Elements Financial credit cards help you find the perfect fit for your purchases.

  • Signature Rewards Visa — Great travel rewards card with no international transaction fees4
  • Cash Rewards Visa — Earn 1% cash back and rewards5
  • Platinum Visa — Features our lowest rate with no late fee if you miss a payment
  • and more…

Apply Now
Or call 1-800-621-2105
No promo code needed. Compare Our Credit Cards

Earn up to a $750 Cash Bonus from Elements Financial when you invest with Elements Wealth Management

Our Cash Bonus Program rewards you based upon your new net investment.

From paying for your next vacation to supporting home improvements, a $750 cash bonus from Elements Financial* is a great way to cover something extra — just for you.

Have we piqued your interest? Learn more about our program offering up to a $750 Cash Bonus for your investment at a free consultation. 

Request a Free Consultation
Or call 1-888-425-0374

*Wealth Management Related $750 Cash Bonus Offer — Must keep funds invested for six months to receive bonus payout; bonus paid at that time. Bonus will be paid by Elements Financial to a separate non-investment account. Moving funds from another investment firm may be subject to a fee that neither Elements Financial nor Elements Wealth Management will reimburse. Elements Financial reserves the right to amend or discontinue offer at any time. Additional terms and conditions may apply. Bonus may be subject to taxes; please contact your tax advisor.

Elements Financial Federal Credit Union (“Financial Institution”) provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for brokerage or advisory services. Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more detailed information.

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker/dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Elements Financial Federal Credit Union and Elements Wealth Management are not registered as a broker/dealer or investment advisor. Registered representatives of LPL offer products and services using the name Elements Wealth Management and may also be employees of Elements Financial Federal Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from and not affiliates of Elements Financial Federal Credit Union or Elements Wealth Management. Securities and insurance offered through LPL or its affiliates are:

Not Insured by NCUA or Any Other Government Agency
Not Credit Union Guaranteed
Not Credit Union Deposits or Obligations
May Lose Value

Find an ATM/Branch

Helpful Calculators

  1. 1 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 4.99% is for new Home Equity Lines of Credit only and is for the first six months. HELOC modifications, renewals and increases that utilize the same property are not considered new and are not eligible for the introductory rate. 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 April 1, 2025, applies to borrowers with credit scores of 730 or greater, CLTV 80% or less, and owner-occupied single-family residences. Elements Financial will conditionally waive the following Closing Costs associated with your home equity line of credit: flood certification, title search or title abstract, credit report, recording fees, and a simple valuation. You may be required to pay other costs such as taxes, and when required, appraisal fees. However, if you close your home equity line of credit within 36 months after it is opened, you will be required to pay an Early Closure Fee in the amount of the Closing Costs originally waived. 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.
  2. 2 High Yield Savings Annual Percentage Yield (APY) accurate as of April 1, 2025. High Yield Savings is a tiered savings account paying a variable dividend rate, that may change at any time, on the entire balance in your account based on the rate for the tier corresponding to each day’s daily balance. The account is available for new money only which are funds not on deposit at Elements for 90 days prior to opening the High Yield Savings account. Existing Elements members with savings accounts must deposit $25,000.00 or more of new money within 10 days of opening the High Yield Savings account. Existing Elements members with savings accounts with combined daily balances of $2,500.00 or less for the 90 days prior to account opening are excluded from the new money requirement. Additional information for each tier: An APY of 0.10% applies to accounts with balances from $0.01 to $99.99; from $100.00 to $2,499.99; and from $2,500.00 to $9,999.99. An APY of 3.50% applies to accounts with balances from $10,000.00 to $24,999.99. An APY of 3.60% applies to accounts with balances from $25,000.00 to $49,999.99. An APY of 3.70% applies to accounts with balances from $50,000.00 to $99,999.99. An APY of 3.80% applies to accounts with balances from $100,000.00 to $249,999.99. An APY of 3.90% applies to accounts with balances of $250,000.00 and above. At least one account holder must be 18 years of age. Other qualifications may apply. Offer may be discontinued at any time. Fees may reduce earnings.
  3. 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. 4 Signature Rewards Visa Credit Card Transaction Fees — Credit Card Balance Transfer: None. Credit Card Cash Advance: Up to 3% for each Cash Advance or a minimum of $5.00.
  5. 5 Cash Rewards Visa Card Details: 1% cash back on every eligible purchase. No enrollment required. All cardholders are eligible when they make their first eligible purchase. Eligible purchases are net purchases (reduced by merchant returns and adjustments). Purchases do not include cash advances, balance card transfers, use of convenience checks and are exclusive of any fees and finance charges we impose. Cash back rewards are payable to you by reducing your credit card balance. However, rewards will not reduce the monthly payment amount unless the total credit card balance is less than the payable cash back reward amount. The rewards are effective the date you become eligible for the program and are payable as per the billing cycle end-date printed on your statement. Cash back reward amounts less than $25 will not be paid during a billing cycle. Rewards will accumulate and will be payable to you once your reward balance is $25 or more. If a reward balance is less than $25, it will expire 5 years from the month earned. Eligibility is restricted to accounts that are open and in good standing. Any accumulated points will be forfeited if the account is closed before the next $25 increment is paid. Additional terms and conditions may apply.