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Rates

Better rates and fewer fees than the average bank.

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Call 1-800-621-2105

Deposits

Checking

High Interest Checking

High Interest Checking Dividend Rate  APY 
$100 - $20,000 (Tier One) 1.98% 2.00%
portion of balance > $20,000 (Tier Two) 0.10% 0.10%
non-qualifying rate 0.05% 0.05%

Rates effective as of October 3, 2016, and may change after account opening without notice. Fees may reduce earnings. Must meet account transaction requirements per Business Cycle to receive dividend. See Truth in Savings Disclosures for details.

Savings

Member Savings Account

Member Savings Dividend Rate  APY 
$100 - $24,999 0.10% 0.10%
$25,000 - $49,999 0.15% 0.15%
$50,000 and Above 0.20% 0.20%

Rates effective as of September 15, 2017, and may change after account opening without notice. Average daily balance of $100 required to earn dividends. Fees may reduce earnings. No monthly maintenance fee. $5 required minimum balance to open the account.

Helium Savings Account

Helium Savings Dividend Rate  APY 
$100 - $2,499 0.00% 0.00%
$2,500 - $9,999 0.70% 0.70%
$10,000 And Above 0.70% 0.70%

Rates effective as of April 2, 2018, and may change after account opening without notice. Average daily balance of $2,500 required to earn dividends. Fees may reduce earnings.

Hideaway Savings Account

Hideaway Savings Dividend Rate  APY 
$100 - $24,999 0.10% 0.10%
$25,000 - $49,999 0.15% 0.15%
$50,000 and Above 0.20% 0.20%

Rates effective as of September 15, 2017, and may change after account opening without notice. Average daily balance of $100 required to earn dividends. Fees may reduce earnings. No monthly maintenance fee. No minimum balance requirements apply. 

Youth Savings Account

Youth Savings Dividend Rate  APY 
$100 and Above 0.25% 0.25%

Rates effective as of September 15, 2017, and may change after account opening without notice. Average daily balance of $100 required to earn dividends. If you maintain a minimum average daily balance (ADB) of $500 for a quarter, you will receive a bonus dividend, paid at the end of the quarter. The bonus dividend will be equal to the cumulative dividends paid during that quarter. The ADB is calculated by adding the full amount of the principal in the account each day for the period and dividing the figure by the number of days in the period. Fees may reduce earnings. For opening the Grow Account, the age restriction is under 18 years old.

 

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Certificate

Certificates

Certificate Dividend Rate  APY 
6 Month Term 0.39% 0.40%
1 Year Term 0.74% 0.75%
18 Month Term 2.00% 2.05%
2 Year Term 1.03% 1.05%
3 Year Term 1.08% 1.10%
4 Year Term 1.32% 1.35%
5 Year Term 2.00% 2.05%
7 Year Term 2.10% 2.15%
10 Year Term 2.24% 2.30%
34 Month Term Rate Climber 1.47% 1.50%
54 Month Term Rate Climber 1.95% 2.00%

Rates effective as of May 1, 2018, and may change without notice. Fees may reduce earnings.

IRA

IRAs

IRAs Dividend Rate  APY 
6 Month Term 0.39% 0.40%
1 Year Term 0.74% 0.75%
18 Month Term 0.98% 1.00%
2 Year Term 1.03% 1.05%
3 Year Term 1.08% 1.10%
4 Year Term 1.32% 1.35%
5 Year Term 2.00% 2.05%
7 Year Term 2.10% 2.15%
10 Year Term 2.24% 2.30%

Rates effective as of April 23, 2018,  and may change without notice. Fees may reduce earnings.


IRA Savings

IRA Savings Dividend Rate  APY 
All Balances 0.21% 0.21%

Rates effective as of April 23, 2018,  and may change without notice. Fees may reduce earnings.

Health Savings Account (HSA)

Health Savings Account

Health Savings Account (HSA) Dividend Rate  APY 
$100 - $2,499 0.25% 0.25%
$2,500 - $9,999 0.50% 0.50%
$10,000 and Above 1.00% 1.00%

Rates effective as of September 15, 2017, and may change after account opening without notice. You must maintain a minimum average daily balance of $100 to earn a dividend. Fees may reduce earnings.

Loans

Mortgage

Fixed-Rate Mortgages

Fixed-Rate Mortgage Interest Rate  APR  Points  Monthly Payment Loan Term (Months)
30-Year Fixed 4.625% 4.713% 0.0 $771.21 360
20-Year Fixed 4.500% 4.620% 0.0 $948.97 240
15-Year Fixed 4.250% 4.402% 0.0 $1,128.42 180
10-Year Fixed 4.250% 4.469% 0.0 $1,536.56 120
7-Year Fixed 4.250% 4.555% 0.0 $2,067.63 84
5-Year Fixed 4.250% 4.669% 0.0 $2,779.43 60

Rates effective as of May 23, 2018. Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 740 or greater and 60% Loan-to-Value (LTV) and are based on loans secured by property in the state of Indiana. The actual interest rates and APRs available to you may vary based on your credit score, LTV ratio and other factors, and may be higher than those displayed here. Rates, closing costs and points may vary by property location, loan type and borrower credit and income characteristics. ALL FINANCING SUBJECT TO CREDIT APPROVAL. Example Monthly Payments based on a purchase price of $250,000, FICO® score of 740 or greater, 40% or more down payment, and loan amount of $150,000; they do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher. Rates are subject to change without notice. Some restrictions may apply. Please call for rate information about mortgage products with terms other than those listed.

Adjustable Rate Mortgages

Adjustable Rate Mortgage Interest Rate  APR  Points  Initial Monthly Payment Adjusted Monthly Payment
7/1 ARM 4.375% 4.462% 0.0
Months 1-84
$748.93
Months 85-360
$793.81
5/5 ARM 30 Year 4.375% 4.462% 0.0
Months 1-60
$748.93
Months 61-360
$801.11

Rates effective as of May 23, 2018. Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 740 or greater and 60% Loan-to-Value (LTV) and are based on loans secured by property in the state of Indiana. The actual interest rates and APRs available to you may vary based on your credit score, LTV ratio and other factors, and may be higher than those displayed here. Rates, closing costs and points may vary by property location, loan type and borrower credit and income characteristics. ALL FINANCING SUBJECT TO CREDIT APPROVAL. Example Monthly Payments based on a purchase price of $250,000, FICO® score of 740 or greater, 40% or more down payment, and loan amount of $150,000; they do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher. Rates are subject to change without notice. Some restrictions may apply. Please call for rate information about ARM products with terms other than those listed.

The 7/1 ARM product listed above is a 30-year loan where the initial interest rate is fixed for the first 7 years (84 payments). After the initial seven-year period, it is possible that the interest rate, APR, and payment may increase substantially over the remaining term of the loan. After the initial seven-year period, your interest rate can increase or decrease annually based on the average of interbank offered rates for one-year U.S. dollar-denominated deposits in the London market (LIBOR), plus our margin (2.75%) rounded to the nearest 0.125%. Any change may significantly impact your monthly payment. The index in the future is unknown so the Estimated Monthly Payment for payments 85-360 is based on the current index plus the margin (fully indexed rate).

The 5/5 ARM product listed above is a 30-year loan where the initial interest rate is fixed for the first 5 years (60 payments). After the initial five-year period, it is possible that the interest rate, APR, and payment may increase substantially over the remaining term of the loan. After the initial five-year period, your interest rate can increase or decrease every 5 years up to the 15th year at which the interest rate can increase or decrease annually based on the average yield of the 5-year treasury, plus our margin (2.25%) rounded to the nearest 0.125%. Any change may significantly impact your monthly payment. The index in the future is unknown so the Estimated Monthly Payment for payments 61-360 is based on the current index plus the margin (fully indexed rate).

First-Time Homebuyer Mortgages

Fixed Rate Options Interest Rate  APR  Points  Monthly Payment Loan Term (Months)
30 Year Fixed 4.875% 4.964% 0.0 $1,256.87 360
20 Year Fixed 4.750% 4.871% 0.0 $1,534.78 240
15 Year Fixed 4.625% 4.779% 0.0 $1,832.07 180
Adjustable Rate Options Interest Rate  APR  Points  Initial Monthly Payment Adjusted Monthly Payment
7/1 ARM 4.625% 4.713% 0.0
Months 1-84
$1,221.08
Months 85-360
$1,256.87
5/5 ARM 4.625% 4.713% 0.0
Months 1-60
$1,221.08
Months 61-360
$1,268.43

Rates effective as of May 23, 2018. Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 740 or greater and 95% Loan-to-Value (LTV) and are based on loans secured by property in the state of Indiana. The actual interest rates and APRs available to you may vary based on your credit score, LTV ratio and other factors, and may be higher than those displayed here. Rates, closing costs and points may vary by property location, loan type and borrower credit and income characteristics. ALL FINANCING SUBJECT TO CREDIT APPROVAL. Example Monthly Payments based on purchase price of $250,000, FICO® score of 740 or greater, 5% or more down payment, and loan amount of $237,500; they do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher. Rates are subject to change without notice. Some restrictions may apply. Please call for rate information about mortgage products with terms other than those listed.

The 7/1 ARM product listed above is a 30-year loan where the initial interest rate is fixed for the first 7 years (84 payments). After the initial seven-year period, it is possible that the interest rate, APR, and payment may increase substantially over the remaining term of the loan. After the initial seven-year period, your interest rate can increase or decrease annually based on the average of interbank offered rates for one-year U.S. dollar-denominated deposits in the London market (LIBOR), plus our margin (2.75%) rounded to the nearest 0.125%. Any change may significantly impact your monthly payment. The index in the future is unknown so the Estimated Monthly Payment for payments 85-360 is based on the current index plus the margin (fully indexed rate).

The 5/5 ARM product listed above is a 30-year loan where the initial interest rate is fixed for the first 5 years (60 payments). After the initial five-year period, it is possible that the interest rate, APR, and payment may increase substantially over the remaining term of the loan. After the initial five-year period, your interest rate can increase or decrease every 5 years up to the 15th year at which the interest rate can increase or decrease annually based on the average yield of the 5-year treasury, plus our margin (2.25%) rounded to the nearest 0.125%. Any change may significantly impact your monthly payment. The index in the future is unknown so the Estimated Monthly Payment for payments 61-360 is based on the current index plus the margin (fully indexed rate).

Refinance Mortgages

Fixed Rate Options Interest Rate  APR  Points  Monthly Payment Loan Term (Months)
30-Year Fixed 4.625% 4.713% 0.0 $771.21 360
20-Year Fixed 4.500% 4.620% 0.0 $948.97 240
15-Year Fixed 4.250% 4.402% 0.0 $1,128.42 180
Adjustable Rate Options Interest Rate  APR  Points  Initial Monthly Payment Adjusted Monthly Payment
7/1 ARM 4.375% 4.462% 0.0
Months 1-84
$748.93
Months 85-360
$793.81
5/5 ARM 30 Year 4.375% 4.462% 0.0
Months 1-60
$748.93
Months 61-360
$801.11

Rates effective as of May 23, 2018. Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 740 or greater and 60% Loan-to-Value (LTV) and are based on loans secured by property in the state of Indiana. The actual interest rates and APRs available to you may vary based on your credit score, LTV ratio and other factors, and may be higher than those displayed here. Rates, closing costs and points may vary by property location, loan type and borrower credit and income characteristics. ALL FINANCING SUBJECT TO CREDIT APPROVAL. Example Monthly Payments based on a purchase price of $250,000, FICO® score of 740 or greater, 40% or more down payment, and loan amount of $150,000; they do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher. Rates are subject to change without notice. Some restrictions may apply. Please call for rate information about mortgage products with terms other than those listed.

The 7/1 ARM product listed above is a 30-year loan where the initial interest rate is fixed for the first 7 years (84 payments). After the initial seven-year period, it is possible that the interest rate, APR, and payment may increase substantially over the remaining term of the loan. After the initial seven-year period, your interest rate can increase or decrease annually based on the average of interbank offered rates for one-year U.S. dollar-denominated deposits in the London market (LIBOR), plus our margin (2.75%) rounded to the nearest 0.125%. Any change may significantly impact your monthly payment. The index in the future is unknown so the Estimated Monthly Payment for payments 85-360 is based on the current index plus the margin (fully indexed rate).

The 5/5 ARM product listed above is a 30-year loan where the initial interest rate is fixed for the first 5 years (60 payments). After the initial five-year period, it is possible that the interest rate, APR, and payment may increase substantially over the remaining term of the loan. After the initial five-year period, your interest rate can increase or decrease every 5 years up to the 15th year at which the interest rate can increase or decrease annually based on the average yield of the 5-year treasury, plus our margin (2.25%) rounded to the nearest 0.125%. Any change may significantly impact your monthly payment. The index in the future is unknown so the Estimated Monthly Payment for payments 61-360 is based on the current index plus the margin (fully indexed rate).

Land Loans

Call 1-800-561-9433 for Land Loan Rates

FHA Loans

FHA Loan Interest Rate  APR  Points  Monthly Payment Loan Term (Months)
30 Year Fixed 4.375% 4.462% 0.0 $1,204.53 360
15 Year Fixed 4.000% 4.151% 0.0 $1,784.50 240

Rates effective as of May 23, 2018. Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 740 or greater and 96.5% Loan-to-Value (LTV) and are based on loans secured by property in the state of Indiana. The actual interest rates and APRs available to you may vary based on your credit score, LTV ratio and other factors, and may be higher than those displayed here. Rates, closing costs and points may vary by property location, loan type and borrower credit and income characteristics. ALL FINANCING SUBJECT TO CREDIT APPROVAL. Example Monthly Payments based on a purchase price of $250,000, FICO® score of 740 or greater, and 3.5% or more down payment, and loan amount of $241,250; they do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher. Rates are subject to change without notice. Some restrictions may apply.

VA Loans

VA Loan Interest Rate  APR  Points  Monthly Payment Loan Term (Months)
30 Year Fixed 4.375% 4.462% 0.0 $1,248.21 360
15 Year Fixed 0.136% 0.0 240

Rates effective as of May 23, 2018. Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 740 or greater and 100% Loan-to-Value (LTV) and are based on loans secured by property in the state of Indiana. The actual interest rates and APRs available to you may vary based on your credit score, LTV ratio and other factors, and may be higher than those displayed here. Rates, closing costs and points may vary by property location, loan type and borrower credit and income characteristics. ALL FINANCING SUBJECT TO CREDIT APPROVAL. Example Monthly Payments based on purchase and loan amount of $250,000, FICO® score of 740 or greater, and 0% or more down payment; they do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher. Rates are subject to change without notice. Some restrictions may apply.

 

Call 1-800-561-9433 for Other Mortgage Rates

 

Compare Mortgages

Home Equity

Home Equity Loans

Home Equity Loan Interest Rate  APR  Points  Monthly Payment
10 Year Fixed 4.99% 5.154% 0.0 $530.08
15 Year Fixed 5.49% 5.606% 0.0 $408.28

Payments shown do not include taxes and insurance premiums. 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. Annual Percentage Rates (APR), effective April 2, 2018, and example monthly payments are calculated using loan amounts of $50,000, a credit score of 740 or greater and combined loan-to-value of 80% for a single-family residence and estimated closing costs of $538 for the 10-year and $641 for the 15-year. A loan origination fee of $375 and a title search fee will apply. Additional state or local mortgage fees or taxes may apply. Please consult your tax advisor regarding the deductibility of interest. Programs, rates, terms, and conditions are subject to change without notice.

Home Equity Lines of Credit

Home Equity Line of Credit Interest Rate  APR  Points 
Home Equity Line of Credit 4.75% 4.75% 0.0

Each individual's Annual Percentage Rate (APR) is determined by the applicant's credit history. Not all applicants will qualify for the displayed lowest rates. Home Equity Line of Credit: The Introductory Annual Percentage Rate (APR) of 1.99% 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 $5,000 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%. Rates vary depending upon credit history, combined loan-to-value (CLTV), and occupancy. The stated rate, correct as of 3/21/18, applies to borrowers with credit scores of 740 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.

Home Improvement Loans

Home Improvement Loan Interest Rate  APR  Points  Monthly Payment Loan Term (Months)
Unsecured 6.24% 6.284% 60
Secured 10 Year Fixed 7.24% 7.411% 0.0 $586.75
Secured 15 Year Fixed 8.24% 8.366% 0.0 $484.78

Unsecured Fixed Rate Home Improvement Loan: Rate effective as of February 24, 2018, and subject to change without notice. Each individual's Annual Percentage Rate (APR) is determined by the applicant's credit history. Not all applicants will qualify for the displayed lowest rates. A $140 processing fee applies to all Fixed-Rate Unsecured Home Improvement Loan applications. APR calculation and example monthly payments based on loan amount of $25,000, FICO® score of 740 or greater, and term of 60 months. Rate includes 0.25% deduction for automated payments. Additional conditions may apply. Subject to credit approval. Maximum Loan Amount of $25,000. Secured Home Improvement Closed-End Loan: Annual Percentage Rate (APR). Combined Loan to Value 101% to 133%. Maximum Loan Amount of $250,000. APRs above are calculated using loan amounts of $50,000, credit score of 710 or greater and loan to value of greater than 100% for a single-family residence. Closing Costs: A loan origination fee of $375 and a title search fee will apply. Additional state or local mortgage fees or taxes may apply. The actual closing costs generally range between $500 to $1,200, depending on the location of the property, the amount of the loan and other factors. Example Monthly Payments: Are figured on loan amounts of $50,000 and do not include hazard insurance, property taxes, or flood insurance. Your actual payment may be higher. Each individual's Annual Percentage Rate (APR) is determined by the applicant's credit history. Not all applicants will qualify for our displayed lowest rates. Tax Deductibility: Elements Financial does not offer tax advice. Please consult your tax advisor regarding the deductibility of interest. Programs, rates, terms and conditions are subject to change without notice.


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Auto Loan

Auto Loans

Auto Loan Interest Rate  APR  Monthly Payment Loan Term (Months)
New & Used 2015+ 3.69% 3.88% $548.31 60
New & Used 2014 3.84% 4.03% $550.33 60
New & Used 2013 3.94% 4.13% $551.68 60
New & Used 2012 4.19% 4.38% $557.66 60
New & Used 2011 4.69% 4.88% $564.51 60

Rates effective April 2, 2018, subject to change without notice. Each individual's Annual Percentage Rate (APR) is determined by the applicant's credit history. Not all applicants will qualify for the displayed lowest rates. A $140 processing fee applies to all Auto Loan applications. APR calculation and example monthly payments based on loan amount of $30,000, FICO® score of 740 or greater, and term of 60 months. Rate includes 0.25% deduction for automated payments. Additional conditions may apply. Subject to credit approval. Payments shown do not include taxes or insurance premiums. Please call for auto loan rate information between 2008–2010.

Boat/RV Loan

Boat Loans

Boat Loan Interest Rate  APR  Monthly Payment Loan Term (Months)
New & Used 2012+ 4.99% 5.09% $319.53 120

Rates effective as of February 24, 2018, and subject to change without notice. Each individual's Annual Percentage Rate (APR) is determined by the applicant's credit history. Not all applicants will qualify for the displayed lowest rates. A $140 processing fee applies to all Boat Loan applications. Boats 2012 or newer — APR calculation and example monthly payments based on loan amount of $30,000, FICO® score of 740 or greater, and term of 120 months. Rate includes 0.25% deduction for automated payments. Additional conditions may apply. Subject to credit approval. Payments shown do not include taxes and insurance premiums.

RV Loans

RV Loan Interest Rate  APR  Monthly Payment Loan Term (Months)
New & Used 2012+ 4.99% 5.09% $319.53 120

Rates effective as of February 24, 2018, and subject to change without notice. Each individual's Annual Percentage Rate (APR) is determined by the applicant's credit history. Not all applicants will qualify for the displayed lowest rates. A $140 processing fee applies to all RV Loan applications. RVs 2012 or newer — APR calculation and example monthly payments based on loan amount of $30,000, FICO® score of 740 or greater, and term of 120 months. Rate includes 0.25% deduction for automated payments. Additional conditions may apply. Subject to credit approval. Payments shown do not include taxes and insurance premiums.

Motorcycle/ATV Loan

Motorcycle and ATV Loans

Motorcycle & ATV Loan Interest Rate  APR  Monthly Payment Loan Term (Months)
New & Used 2012+ 5.99% 6.18% $582.55 60

Rates effective as of February 24, 2018, and subject to change without notice. Each individual's Annual Percentage Rate (APR) is determined by the applicant's credit history. Not all applicants will qualify for the displayed lowest rates. A $140 processing fee applies to all Motorcycle and ATV loan applications. Motorcycle and ATVs 2012 or newer — APR calculation and example monthly payments based on loan amount of $30,000, FICO® score of 740 or greater, and term of 60 months. Rate includes 0.25% deduction for automated payments. Additional conditions may apply. Subject to credit approval. Payments shown do not include taxes and insurance premiums. 

Personal Loan

EZ Lines of Credit

EZ Line of Credit Interest Rate  APR 
EZ Line of Credit 11.49% 11.49%

Rates effective as of November 1, 2017, and subject to change without notice. Each individual's Annual Percentage Rate (APR) is determined by the applicant's credit history. Not all applicants will qualify for our displayed lowest rates. Subject to credit approval.

Credit Builder Loans

Credit Builder Loan Interest Rate  APR 
Credit Builder Loan 9.24% 9.24%

Rates effective as of November 1, 2017, and subject to change without notice. Each individual's Annual Percentage Rate (APR) is determined by the applicant's credit history. Not all applicants will qualify for our displayed lowest rates. Subject to credit approval.

Unsecured Signature Loans

Unsecured Signature Loan Interest Rate  APR 
Unsecured Signature Loan 9.24% 9.24%

Rates effective as of November 1, 2017, and subject to change without notice. Each individual's Annual Percentage Rate (APR) is determined by the applicant's credit history. Not all applicants will qualify for our displayed lowest rates. Subject to credit approval.

Certificate Loans


You can borrow up to the full amount of your Elements certificate at 2% above your current savings rate.


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Credit Cards

Credit Card

Cash Rewards Visa Cards

Cash Rewards Visa Purchases & Balance Transfers
Introductory APR for 6 Months  0%
Variable APR after 6-Month Intro Period  14.49%
Balance Transfer Fee  0%

Cash Rewards Visa introductory rate good for six months. Annual Percentage Rate. Elements Financial loans are not eligible for payoff with introductory balance transfer offers. Subject to credit approval. Additional limitations, terms, and conditions apply. After promotional period your Standard variable APR for Purchases and Balance Transfers will be 14.49% for Cash Rewards Visa. Rate effective April 4, 2018, and will vary with the market based on the Prime Rate as published in The Wall Street Journal. Terms & Conditions.

Signature Rewards Visa Cards

Signature Rewards Visa Purchases & Balance Transfers
Introductory APR for 6 Months  0%
Variable APR after 6-Month Intro Period  12.49%
Balance Transfer Fee  0%

Signature Rewards Visa introductory rate good for six months. Annual Percentage Rate. Elements Financial loans are not eligible for payoff with introductory balance transfer offers. Subject to credit approval. Additional limitations, terms, and conditions apply. After promotional period your Standard variable APR for Purchases and Balance Transfers will be 12.49% for Signature Rewards Visa. Rate effective April 4, 2018, and will vary with the market based on the Prime Rate as published in The Wall Street Journal. Terms & Conditions.

Platinum Visa Cards

Platinum Visa Purchases & Balance Transfers
Introductory APR for 6 Months  0%
Variable APR after 6-Month Intro Period  10.49%
Balance Transfer Fee  0%

Platinum Visa introductory rate good for six months. Annual Percentage Rate. Elements Financial loans are not eligible for payoff with introductory balance transfer offers. Subject to credit approval. Additional limitations, terms, and conditions apply. After promotional period your Standard variable APR for Purchases and Balance Transfers will be 10.49% for Platinum Visa. Rate effective April 4, 2018, and will vary with the market based on the Prime Rate as published in The Wall Street Journal.  Terms & Conditions.

Riley Children's Foundation Visa Cards

Riley Children's Foundation Visa Purchases & Balance Transfers
Introductory APR for 6 Months  0%
Variable APR after 6-Month Intro Period  10.49%
Balance Transfer Fee  1%

Riley Children's Foundation Visa introductory rate good for six months. Annual Percentage Rate. Elements Financial loans are not eligible for payoff with introductory balance transfer offers. Subject to credit approval. Additional limitations, terms, and conditions apply. After promotional period your Standard variable APR for Purchases and Balance Transfers will be 10.49% for Riley Children's Foundation Visa. Rate effective April 4, 2018, and will vary with the market based on the Prime Rate as published in The Wall Street Journal. Terms & Conditions.

Secured Visa Cards

Call 1-866-570-1238 for Secured Visa Rates


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Business Products

Business Savings

Business Premium Money Market Account

Business Premium Money Market Savings Dividend Rate  APY 
$0 - $2,499.99 0.00% 0.00%
$2,500 - $9,999.99 0.10% 0.10%
$10,000 - $24,999.99 0.10% 0.10%
$25,000 - $49,999.99 0.25% 0.25%
$50,000 - $99,999.99 0.25% 0.25%
$100,000 - $249,999.99 0.50% 0.50%
$250,000 and Above 0.50% 0.50%

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