Skip to main content
Vote for Miracles! Help Riley Children's Hospital win up to $50K. Click here to vote.

Rates

Better rates and fewer fees than the average bank.

Questions?
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. $100 minimum average daily balance required to earn dividends. 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. You must maintain a minimum average daily balance of $100 to earn a dividend. Fees may reduce earnings. No monthly maintenance fee. $5 required minimum balance to open the account.

Premium Money Market Account

Premium Money Market Savings Dividend Rate  APY 
$100 - $2,499 0.05% 0.05%
$2,500 - $9,999 0.10% 0.10%
$10,000 - $24,999 0.15% 0.15%
$25,000 - $49,999 0.21% 0.21%
$50,000 - $99,999 0.31% 0.31%
$100,000 - $249,999 0.40% 0.40%
$250,000 and Above 0.45% 0.45%

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.

Helium Savings Account

Helium Savings Dividend Rate  APY 
$10,000 and Above 0.55% 0.55%

Rates effective as of September 15, 2017, and may change after account opening without notice. Fees may reduce earnings. Average daily balance of $10,000 required to earn dividends.

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. No monthly maintenance fee. No minimum balance requirements apply. You must maintain a minimum average daily balance of $100 to earn a dividend. Fees may reduce earnings. 

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. Fees may reduce earnings. You must maintain an average daily balance of $100 to earn a dividend. 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. For opening the Grow Account, the age restriction is under 18 years old. 

Compare Savings Accounts

Certificate

Certificates

Certificate Dividend Rate  APY 
6 Month Term 0.39% 0.40%
1 Year Term 0.49% 0.50%
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%
34 Month Term Rate Climber 1.47% 1.50%
54 Month Term Rate Climber 1.95% 2.00%

Rates effective as of December 1, 2017,  and may change prior to account opening without notice. Fees may reduce earnings.

IRA

IRAs

IRAs Dividend Rate  APY 
6 Month Term 0.39% 0.40%
1 Year Term 0.49% 0.50%
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 December 1, 2017,  and may change prior to account opening without notice. Fees may reduce earnings.

IRA Savings

IRA Savings Dividend Rate  APY 
All Balances 0.21% 0.21%

Rates effective as of December 1, 2017,  and may change prior to account opening 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 
30-Year Fixed 4.000% 4.085% 0.0
20-Year Fixed 3.750% 3.867% 0.0
15-Year Fixed 3.375% 3.524% 0.0
10-Year Fixed 3.375% 3.591% 0.0
7-Year Fixed 3.375% 3.677% 0.0
5-Year Fixed 3.375% 3.790% 0.0

Rates effective as of December 15, 2017. Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 740 or greater and 70% 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. Subject to credit approval. Rates, closing costs and points may vary by property location, loan type and borrower credit and income characteristics. ALL FINANCING SUBJECT TO CREDIT APPROVAL. Rates are subject to change without notice. Some restrictions may apply.

Adjustable Rate Mortgages

Adjustable Rate Mortgage Interest Rate  APR  Points 
3/1 ARM 3.375% 3.457% 0.0
5/1 ARM 3.500% 3.582% 0.0
7/1 ARM 3.625% 3.708% 0.0
10/1 ARM 3.875% 3.959% 1.0
5/5 ARM 30 Year 3.750% 3.834% 0.0
5/5 ARM 15 Year 3.375% 3.524% 0.0

Rates effective as of December 15, 2017. Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 740 or greater and 70% 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. Subject to credit approval. Rates, closing costs and points may vary by property location, loan type and borrower credit and income characteristics. ALL FINANCING SUBJECT TO CREDIT APPROVAL. Rates are subject to change without notice. Some restrictions may apply.

First-Time Homebuyer Mortgages

First Time Homebuyer Program Interest Rate  APR  Points 
30 Year Fixed 4.250% 4.336% 0.0
20 Year Fixed 4.000% 4.118% 0.0
15 Year Fixed 3.625% 3.775% 0.0
7/1 ARM 3.875% 3.959% 0.0
5/5 ARM 4.000% 4.085% 0.0

Rates effective as of December 15, 2017. Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 740 or greater and 70% 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. Subject to credit approval. Rates, closing costs and points may vary by property location, loan type and borrower credit and income characteristics. ALL FINANCING SUBJECT TO CREDIT APPROVAL. Rates are subject to change without notice. Some restrictions may apply.

Refinance Mortgages

Mortgage Refinance Interest Rate  APR  Points 
30-Year Fixed 4.000% 4.085% 0.0
20-Year Fixed 3.750% 3.867% 0.0
5/1 ARM 3.500% 3.582% 0.0
15-Year Fixed 3.375% 3.524% 0.0
7/1 ARM 3.625% 3.708% 0.0
5/5 ARM 30 Year 3.750% 3.834% 0.0
5/5 ARM 15 Year 3.375% 3.524% 0.0

Rates effective as of December 15, 2017. Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 740 or greater and 70% 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. Subject to credit approval. Rates, closing costs and points may vary by property location, loan type and borrower credit and income characteristics. ALL FINANCING SUBJECT TO CREDIT APPROVAL. Rates are subject to change without notice. Some restrictions may apply.

Land Loans

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

FHA Loans

FHA Loan Interest Rate  APR  Points 
30 Year Fixed 3.875% 3.959% 0.0
15 Year Fixed 3.875% 4.026% 0.0

Rates effective as of December 15, 2017. Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 740 or greater and 70% 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. Subject to credit approval. Rates, closing costs and points may vary by property location, loan type and borrower credit and income characteristics. ALL FINANCING SUBJECT TO CREDIT APPROVAL. Rates are subject to change without notice. Some restrictions may apply.

VA Loans

VA Loan Interest Rate  APR  Points 
30 Year Fixed 3.875% 3.959% 0.0
15 Year Fixed 0.136% 0.0

Rates effective as of December 15, 2017. Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 740 or greater and 70% 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. Subject to credit approval. Rates, closing costs and points may vary by property location, loan type and borrower credit and income characteristics. ALL FINANCING SUBJECT TO CREDIT APPROVAL. 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 
10 Year Fixed 4.99% 5.154% 0.0
15 Year Fixed 5.49% 5.606% 0.0

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) 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 4.25% 4.25% 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 0.99% is for new home equity line of credits only and is for the first 90 days. 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 applies to lines secured by credit score of 740 or greater, CLTV 80% or less, and owner-occupied single-family residences (includes townhomes, row homes, condominiums, and co-ops). Elements Financial will pay most closing costs on new applications including settlement fees, flood determination fee, title search, title insurance, and notary fees. You may be required to pay other closing costs such as government fees and recording charges, taxes, and when required, appraisal fees. Elements Financial reserves the right to modify or end this offer at any time. Subject to credit approval. Elements Financial Membership Required.

Home Improvement Loans

Home Improvement Loan Interest Rate  APR  Points 
Unsecured 6.24% 6.279%
Secured 10 Year Fixed 7.24% 7.411% 0.0
Secured 15 Year Fixed 8.24% 8.366% 0.0

Unsecured Fixed Rate Home Improvement Loan Rates: Maximum Loan Amount of $25,000. Fees: $125 processing fee applies to all Fixed Rate Unsecured Home Improvement Loan applications. Secured Loan: Home Improvement Closed-End Loans: 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. Payments: stated payments do not include hazard insurance, property taxes, or flood insurance. Your actual payment may be higher. 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. Payments shown: Do not include taxes and insurance premiums. 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.

Compare Home Loans

Auto Loan

Auto Loans

Auto Loan Interest Rate  APR 
New & Used 2014+ 2.99% 3.19%
New & Used 2013 3.24% 3.44%
New & Used 2012 3.49% 3.69%
New & Used 2011 3.99% 4.19%
New & Used 2010 4.49% 4.69%

Rates effective as of November 1, 2017and 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 $125 processing fee applies to all Auto applications. Additional conditions may apply. Subject to approval. APR calculation 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. Please call for auto loan rate information between 2007–2009.

Boat/RV Loan

Boat Loans

Boat Loan Interest Rate  APR 
New & Used 2011+ 4.74% 4.85%

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 the displayed lowest rates. A $125 processing fee applies to all boat applications. Additional conditions may apply. Subject to approval. Boats 2011 or newer — APR calculation based on loan amount of $25,000, FICO score of 740 or greater, and term of 120 months, with a monthly payment of $263.31. Rate includes 0.25% deduction for automated payments. 

RV Loans

RV Loan Interest Rate  APR 
New & Used 2011+ 4.74% 4.847%

Rates effective as of November 1, 2017 and subject to change without notice. Payments shown do not include taxes and insurance premiums. 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. RVs 2011 or newer — APR calculation based on loan amount of $25,000, FICO score of 740 or greater, and term of 120 months. Rate includes 0.25% deduction for automated payments.

Motorcycle/ATV Loan

Motorcycle and ATV Loans

Motorcycle & ATV Loan Interest Rate  APR 
New & Used 2011+ 5.99% 6.197%

Rates effective as of November 1, 2017 and subject to change without notice. Payments shown do not include taxes and insurance premiums. 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. Motorcycle and ATVs 2011 or newer  —  APR calculation 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.

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.

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.

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.

Certificate Loans

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

Compare Personal Loans

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  13.99%
Balance Transfer Fee  0%

Cash Rewards Visa introductory rate good for six months. 1) Annual Percentage Rate. 2) Elements Financial loans are not eligible for payoff with introductory balance transfer offers. Subject to credit approval. Additional limitations, terms, and conditions apply. 3) After promotional period your Standard variable APR for Purchases and Balance Transfers will be 13.99% for Cash Rewards Visa. APR 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  11.99%
Balance Transfer Fee  0%

Signature Rewards Visa introductory rate good for six months. 1) Annual Percentage Rate. 2) Elements Financial loans are not eligible for payoff with introductory balance transfer offers. Subject to credit approval. Additional limitations, terms, and conditions apply. 3) After promotional period your Standard variable APR for Purchases and Balance Transfers will be 11.99% for Signature Rewards Visa. APR 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  9.99%
Balance Transfer Fee  0%

Platinum Visa introductory rate good for six months. 1) Annual Percentage Rate. 2) Elements Financial loans are not eligible for payoff with introductory balance transfer offers. Subject to credit approval. Additional limitations, terms, and conditions apply. 3) After promotional period your Standard variable APR for Purchases and Balance Transfers will be 9.99% for Platinum Visa. APR 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  9.99%
Balance Transfer Fee  1%

Riley Children's Foundation Visa introductory rate good for six months. 1) Annual Percentage Rate. 2) Elements Financial loans are not eligible for payoff with introductory balance transfer offers. Subject to credit approval. Additional limitations, terms, and conditions apply. 3) After promotional period your Standard variable APR for Purchases and Balance Transfers will be 9.99% for Riley Children's Foundation Visa. APR 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

Compare Credit Cards

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%

Woman wearing headset

Need Help Right Away?

We are ready to support you!

Start Live Chat

Chat available Mon-Fri, 8 am-5 pm Eastern