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Rates

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Deposits

Checking

High Interest Checking

High Interest Checking Dividend Rate  APY 
Balances up to $20,000 1.98% 2.00%
Balances greater than $20,000 0.10% 2.00% – 0.86%**
Non-Qualifying Rate 0.05% 0.05%

High Interest Checking Account pays dividends using blended rate tiers meaning the stated dividend rate will be paid on the portion of the balance for each tier. The Annual Percentage Yield (APY) for Tier 1 is 2.00% on balances up to $20,000.00 and the **Tier 2 APY ranges from 2.00% to 0.86% on balances from $20,000.01 to $50,000.00. To earn Tier 1 or Tier 2 dividend rates, 15 qualifying transactions must post per statement cycle on the account. The statement cycle includes all transactions posted after the last business day of the prior month through the last business day of the current month. Accounts not meeting the qualifying transaction threshold will earn 0.05% APY. Rates accurate as of July 1, 2025. All rates are variable and may change without notice at any time. Only the following are qualifying transactions: Debit card purchases, checks, bill payments, ATM withdrawals and ACH withdrawals. No other transactions qualify. At least one account holder must be at least 18 years old. Fees may reduce earnings.

Savings

Member Savings

Member Savings Dividend Rate  APY 
$100.00 - $2,499.99 0.10% 0.10%
$2,500.00 - $49,999.99 0.15% 0.15%
$50,000.00 and Above 0.20% 0.20%

Member Savings Annual Percentage Yield (APY) effective as of July 1, 2025, and may change after account opening without notice. 0.10% APY on balances $100.00-$2,499.99; 0.15% APY on balances $2,500.00-$49,999.99; 0.20% APY on balances $50,000.00 and Above. Minimum daily balance of $100 required to earn dividends. $5 required minimum balance to open the account. No monthly Maintenance Service Charge. Fees may reduce earnings. 

High Yield Savings

High Yield Savings Dividend Rate  APY 
$0.01 - $99.99 0.10% 0.10%
$100.00 - $2,499.99 0.75% 0.75%
$2,500.00 - $9,999.99 1.24% 1.25%
$10,000.00 - 24,999.99 3.35% 3.40%
$25,000.00 - $49,999.99 3.45% 3.50%
$50,000.00 - $99,999.99 3.54% 3.60%
$100,000.00 - $249,999.99 3.64% 3.70%
$250,000.00 and Above 3.74% 3.80%

High Yield Savings Annual Percentage Yield (APY) accurate as of July 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. An APY of 0.75% applies to accounts with balances from $100.00 to $2,499.99. An APY of 1.25% applies to accounts with balances from $2,500.00 to $9,999.99. An APY of 3.40% applies to accounts with balances from $10,000.00 to $24,999.99. An APY of 3.50% applies to accounts with balances from $25,000.00 to $49,999.99. An APY of 3.60% applies to accounts with balances from $50,000.00 to $99,999.99. An APY of 3.70% applies to accounts with balances from $100,000.00 to $249,999.99. An APY of 3.80% 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.

Helium Savings

Helium Savings Dividend Rate  APY 
$0.01 - $2,499.99 0.10% 0.10%
$2,500.00 - $9,999.99 0.99% 1.00%
$10,000.00 and Above 0.99% 1.00%

Helium Savings Annual Percentage Yield (APY) effective as of July 1, 2025, and may change after account opening without notice. $5 required minimum balance to open the account. No monthly Maintenance Service Charge. Fees may reduce earnings. 

Hideaway Savings

Hideaway Savings Dividend Rate  APY 
$100 and Above 0.20% 0.20%

Hideaway Savings Annual Percentage Yield (APY) effective as of July 1, 2025, and may change after account opening without notice. Minimum daily balance of $100 required to earn dividends. Fees may reduce earnings. No monthly Maintenance Service Charge. No minimum balance requirements apply. 

Grow Account

Grow Account Dividend Rate  APY 
$100.00 and Above 1.00% 1.00%

Grow Account Annual Percentage Yield (APY) effective as of July 1, 2025, and may change after account opening without notice. Minimum daily balance of $100 required to earn dividends. Fees may reduce earnings. At least one account owner must be 18 years of age or older, and one account owner must be below the age of 18.

 

Compare Savings Accounts

Certificate

Share Certificates (Fixed Rate)

Share Certificate (Fixed Rate) Dividend Rate  APY 
6 Month Term 3.87% 4.00%
8 Month Term 4.25% 4.40%
1 Year Term 2.92% 3.00%
13 Month Term 4.25% 4.40%
18 Month Term 3.87% 4.00%
2 Year Term 2.92% 3.00%
3 Year Term 2.92% 3.00%
4 Year Term 2.58% 2.65%
5 Year Term 2.68% 2.75%

Share Certificate (Fixed Rate) Annual Percentage Yield (APY) effective as of July 1, 2025, 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. Health Savings account funds are not eligible. 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.

Flex Rate Certificates (Variable Rate)

Flex Rate Certificate (Variable Rate) Dividend Rate  APY 
12 Month Term 4.50% 4.66%
24 Month Term 4.50% 4.66%

Flex Rate Certificate (Variable Rate) Annual Percentage Yield (APY) effective as of July 1, 2025, and may change without notice. The dividend rate and APY are based on the current Prime Rate index as published in the Wall Street Journal minus a margin of 3.00%. The dividend rate and APY are variable and will adjust the next business day following a change in Prime Rate index. The minimum floor APY for the flex rate certificates is 0.00% and the maximum APY will never be greater than 17.00%. 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. Health Savings account funds are not eligible. 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.

IRA

Traditional and Roth IRAs (Fixed Rate)

IRAs (Fixed Rate) Dividend Rate  APY 
6 Month Term 3.87% 4.00%
8 Month Term 4.25% 4.40%
1 Year Term 2.92% 3.00%
13 Month Term 4.25% 4.40%
18 Month Term 3.87% 4.00%
2 Year Term 2.92% 3.00%
3 Year Term 2.92% 3.00%
4 Year Term 2.58% 2.65%
5 Year Term 2.68% 2.75%

IRA Annual Percentage Yield (APY) effective as of July 1, 2025, and may change without notice. Minimum deposit of $1,000 to open IRA. Primary members under the age of 18 must have a $500 minimum deposit to open IRA. Minimum of $500 balance required to earn dividends. Health Savings account funds are not eligible. Penalty for early withdrawal. Elements reserves the right to amend or discontinue offers at any time and to limit the balance of a IRA at any time.

Traditional and Roth Flex Rate IRAs (Variable Rate)

Flex Rate IRAs (Variable Rate) Dividend Rate  APY 
12 Month Term 4.50% 4.66%
24 Month Term 4.50% 4.66%

Flex Rate IRA Annual Percentage Yield (APY) effective as of July 1, 2025, and may change without notice. The dividend rate and APY are based on the current Prime Rate index as published in the Wall Street Journal minus a margin of 3.00%. The dividend rate and APY are variable and will adjust the next business day following a change in Prime Rate index. The minimum floor APY for the flex rate certificates is 0.00% and the maximum APY will never be greater than 17.00%. 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. Health Savings account funds are not eligible. 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.

IRA Savings

IRA Savings Dividend Rate  APY 
All Balances 0.21% 0.21%

IRA Annual Percentage Yield (APY) effective as of July 1, 2025,  and may change without notice. Fees may reduce earnings.

Health Savings Account (HSA)

Health Savings Account

Health Savings Account (HSA) Dividend Rate  APY 
$0.01- $2,499.99 0.10% 0.10%
$2,500.00 - $9,999.99 0.30% 0.30%
$10,000.00 - $24,999.99 0.30% 0.30%
$25,000.00 and Above 0.49% 0.50%

Health Savings Account Annual Percentage Yield (APY) effective as of July 1, 2025, and may change after account opening without notice. An APY of 0.10% applies to accounts with balances from $0.01 to $2,499.99; An APY of 0.30% applies to accounts with balances from $2,500.00 to $9,999.99; and from $10,000.00 to $24,999.99; An APY of 0.49% applies to accounts with balances of $25,000.00 and above. Fees may reduce earnings.

Loans

Mortgage

Fixed-Rate Mortgages

Fixed-Rate Mortgage Purchase Interest Rate  APR  Points  Monthly Payment Loan Term (Months)
30-Year Fixed 6.500% 6.540% -0.125 $1,896.20 360
20-Year Fixed 6.375% 6.427% 0.000 $2,214.70 240
15-Year Fixed 5.875% 5.939% 0.000 $2,511.36 180
10-Year Fixed 6.125% 6.217% 0.000 $3,349.48 120
7-Year Fixed 6.125% 6.251% 0.000 $4,400.57 84
5-Year Fixed 6.125% 6.297% 0.000 $5,817.29 60

Fixed Rates effective as of July 11, 2025.Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 780 or greater and 75% 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 $400,000, FICO® score of 780 or greater, 25% down payment, and loan amount of $300,000; 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.

Fixed-Rate Mortgage Refinance Interest Rate  APR  Points  Monthly Payment Loan Term (Months)
30-Year Fixed 6.625% 6.665% -0.125 $1,920.93 360
20-Year Fixed 6.625% 6.678% -0.125 $2,258.85 240
15-Year Fixed 6.125% 6.190% 0.000 $2,551.87 180
10-Year Fixed 6.375% 6.467% -0.125 $3,387.39 120
7-Year Fixed 6.625% 6.752% 0.000 $4,473.01 84
5-Year Fixed 6.625% 6.798% 0.000 $5,887.43 60

Fixed Rates effective as of July 11, 2025.Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 780 or greater and 75% 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 $400,000, FICO® score of 780 or greater, 25% down payment, and loan amount of $300,000; 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 Purchase Interest Rate  APR  Points  Initial Monthly Payment Maximum Monthly Payment
5/5 ARM 30 Year 6.625% 6.363% 0.000
Months 1-60
$1,920.93
Months 61-360
$2,199.00
7/6 ARM 30 Year 6.750% 7.086% 0.000
Months 1-84
$1,945.79
Months 85-360
$2,267.00
5/6 ARM 30 Year 6.625% 7.110% 0.000
Months 1-60
$1,920.93
Months 61-360
$2,265.00
3/6 ARM 30 Year 7.000% 7.316% 0.000
Months 1-36
$1,995.91
Months 37-360
$2,378.00

Adjustable Rates effective as of July 11, 2025. Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 780 or greater and 75% 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 $400,000, FICO® score of 780 or greater, 25% down payment, and loan amount of $300,000; 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 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).

The 7/6 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 every six months based on the average of interbank offered rates for one-year U.S. dollar-denominated deposits in the 30 Day SOFR yield plus our margin (3.00%) 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 3/6 ARM product listed above is a 30-year loan where the initial interest rate is fixed for the first 3 years (36 payments). After the initial three-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 three-year period, your interest rate can increase or decrease every six months based on the average of interbank offered rates for one-year U.S. dollar-denominated deposits in the 30 Day SOFR yield plus our margin (3.00%) 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 37-360 is based on the current index plus the margin (fully indexed rate).

The 5/6 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 six months based on the average of interbank offered rates for one-year U.S. dollar-denominated deposits in the 30 Day SOFR yield plus our margin (3.00%) 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).

Adjustable Rate Mortgage Refinance Interest Rate  APR  Points  Initial Monthly Payment Maximum Monthly Payment
5/5 ARM 30 Year 7.125% 6.565% 0.000
Months 1-60
$2,021.16
Months 61-360
$2,199.00
7/6 ARM 30 Year 7.250% 7.350% 0.000
Months 1-84
$2,046.53
Months 85-360
$2,267.00
5/6 ARM 30 Year 7.125% 7.314% 0.000
Months 1-60
$2,021.16
Months 61-360
$2,265.00
3/6 ARM 30 Year 7.500% 7.451% 0.000
Months 1-36
$2,097.64
Months 37-360
$2,378.00

Adjustable Rates effective as of July 11, 2025. Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 780 or greater and 75% 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 $400,000, FICO® score of 780 or greater, 25% down payment, and loan amount of $300,000; 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 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).

The 7/6 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 every six months based on the average of interbank offered rates for one-year U.S. dollar-denominated deposits in the 30 Day SOFR yield plus our margin (3.00%) 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 5/6 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 six months based on the average of interbank offered rates for one-year U.S. dollar-denominated deposits in the 30 Day SOFR yield plus our margin (3.00%) 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).

The 3/6 ARM product listed above is a 30-year loan where the initial interest rate is fixed for the first 3 years (36 payments). After the initial three-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 three-year period, your interest rate can increase or decrease every six months based on the average of interbank offered rates for one-year U.S. dollar-denominated deposits in the 30 Day SOFR yield plus our margin (3.00%) 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 37-360 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 7.000% 7.037% 0.000 $2,212.13 360
20-Year Fixed 6.750% 6.798% 0.000 $2,528.21 240
15-Year Fixed 6.125% 6.184% 0.000 $2,828.33 180

First Time Homebuyer Rates effective as of July 11, 2025. Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 780 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 $350,000, FICO® score of 780 or greater, 5% or more down payment, and loan amount of $332,500; 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.

Adjustable Rate Options Interest Rate  APR  Points  Initial Monthly Payment Maximum Monthly Payment
5/5 ARM 30 6.625% 6.359% 0.000
Months 1-60
$2,129.03
Months 61-360
$2,296.00
7/6 ARM 30 6.750% 7.082% 0.000
Months 1-84
$2,156.59
Months 85-360
$2,244.00

Adjustable Rates effective as of July 11, 2025. Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 780 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 a purchase price of $350,000, FICO® score of 780 or greater, 5% or more down payment, and loan amount of $332,500; 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 ARM products with terms other than those listed.

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).

The 7/6 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 every six months based on the average of interbank offered rates for one-year U.S. dollar-denominated deposits in the 30 Day SOFR yield plus our margin (3.00%) 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).

Refinance Mortgages

Fixed-Rate Options Interest Rate  APR  Points  Monthly Payment Loan Term (Months)
30-Year Fixed 6.625% 6.665% -0.125 $1,920.93 360
20-Year Fixed 6.625% 6.678% -0.125 $2,258.85 240
15-Year Fixed 6.125% 6.190% 0.000 $2,551.87 180
10-Year Fixed 6.375% 6.467% -0.125 $3,387.39 120
7-Year Fixed 6.625% 6.752% 0.000 $4,473.01 84
5-Year Fixed 6.625% 6.798% 0.000 $5,887.43 60

Fixed Rates effective as of July 11, 2025.Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 780 or greater and 75% 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 $400,000, FICO® score of 780 or greater, 25% down payment, and loan amount of $300,000; 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 Options Interest Rate  APR  Points  Initial Monthly Payment Maximum Monthly Payment
5/5 ARM 30 Year 7.125% 6.565% 0.000
Months 1-60
$2,021.16
Months 61-360
$2,199.00
7/6 ARM 30 Year 7.250% 7.350% 0.000
Months 1-84
$2,046.53
Months 85-360
$2,267.00
5/6 ARM 30 Year 7.125% 7.314% 0.000
Months 1-60
$2,021.16
Months 61-360
$2,265.00
3/6 ARM 30 Year 7.500% 7.451% 0.000
Months 1-36
$2,097.64
Months 37-360
$2,378.00

Adjustable Rates effective as of July 11, 2025. Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 780 or greater and 75% 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 $400,000, FICO® score of 780 or greater, 25% down payment, and loan amount of $300,000; 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 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).

The 7/6 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 every six months based on the average of interbank offered rates for one-year U.S. dollar-denominated deposits in the 30 Day SOFR yield plus our margin (3.00%) 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 5/6 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 six months based on the average of interbank offered rates for one-year U.S. dollar-denominated deposits in the 30 Day SOFR yield plus our margin (3.00%) 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).

The 3/6 ARM product listed above is a 30-year loan where the initial interest rate is fixed for the first 3 years (36 payments). After the initial three-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 three-year period, your interest rate can increase or decrease every six months based on the average of interbank offered rates for one-year U.S. dollar-denominated deposits in the 30 Day SOFR yield plus our margin (3.00%) 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 37-360 is based on the current index plus the margin (fully indexed rate).

Jumbo Loans

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

Single-Close Construction Loans

Call 1-800-561-9433 for Single-Close Construction Loan Rates

Land Loans

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

FHA Loans

FHA Loan Purchase Interest Rate  APR  Points  Monthly Payment Loan Term (Months)
30-Year Fixed 6.125% 6.882% -0.250 $2,345.38 360
15-Year Fixed 5.750% 6.482% 0.000 $3,205.38 180

FHA Mortgage Rates effective as of July 11, 2025. Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 780 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 $400,000, FICO® score of 780 or greater, and 3.5% or more down payment, and loan amount of $386,000; FHA mortgage insurance premium is excluded, and 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.

FHA Loan Refinance Interest Rate  APR  Points  Monthly Payment Loan Term (Months)
30-Year Fixed 6.125% 6.882% -0.250 $2,345.38 360
15-Year Fixed 5.750% 6.482% 0.000 $3,205.38 180

FHA Mortgage Rates effective as of July 11, 2025. Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 780 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 property value of $400,000, FICO® score of 780 or greater, and 3.5% or more equity, and loan amount of $386,000; FHA mortgage insurance premium is excluded, and 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 Purchase Interest Rate  APR  Points  Monthly Payment Loan Term (Months)
30-Year Fixed 6.250% 6.472% -0.125 $2,462.87 360
15-Year Fixed 6.125% 6.492% -0.250 $3,402.50 180

VA Mortgage Rates effective as of July 11, 2025. Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 780 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 price and base loan amount of $400,000, FICO® score of 780 or greater, and 0% or more down payment; VA funding fee is excluded, and 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 Loan Refinance Interest Rate  APR  Points  Monthly Payment Loan Term (Months)
30-Year Fixed 6.250% 6.474% -0.125 $2,216.58 360
15-Year Fixed 6.125% 6.495% -0.250 $3,062.25 180

VA Mortgage Rates effective as of July 11, 2025. Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 780 or greater and 90% 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 property value of $400,000, FICO® score of 780 or greater, and 10% or more equity, and base loan amount of $360,000; VA funding fee is excluded, and 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.

USDA Loans

USDA Loan Interest Rate  APR  Points  Monthly Payment Loan Term (Months)
30-Year Fixed 6.125% 6.604% -0.250 $2,430.44 360

USDA Mortgage Rates effective as of July 11, 2025. Note that the interest rates and annual percentage rates (APRs) shown here are available to borrowers with credit scores 780 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 price and base loan amount of $400,000, FICO® score of 780 or greater, and 0% or more down payment; USDA guarantee fee is excluded, and 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.

 

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Home Equity

Home Equity Loans

Home Equity Loan Interest Rate  APR  Points  Monthly Payment
10 Year Fixed 8.340% 8.514% 0.000 $615.66
15 Year Fixed 8.590% 8.717% 0.000 $495.01

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 July 1, 2025, and example monthly payments are calculated using loan amounts of $50,000, a credit score of 730 or greater and combined loan-to-value of 80% for a single-family residence and estimated closing costs of $615.66 for the 10-year and $495.01 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 6-Month Intro Interest Rate 6-Month Intro APR Interest Rate  APR  Points 
Home Equity Line of Credit 3.99% 3.99% 7.50% 7.50% 0.000

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 3.99% 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 July 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.

Home Improvement Loans

Home Improvement Loan Interest Rate  APR  Points  Monthly Payment Loan Term (Months)
Unsecured 9.34% 9.34% – $523.18 60
Secured 10 Year Fixed 9.09% 9.28% 0.000 $636.00 120
Secured 15 Year Fixed 9.84% 9.98% 0.000 $532.00 180

Unsecured Fixed Rate Home Improvement Loan: Annual Percentage Rate (APR) effective as of July 1, 2025, and subject to change without notice. Each individual's APR is determined by the applicant's credit history. Not all applicants will qualify for the displayed lowest rates. APR calculation and example monthly payments based on loan amount of $25,000, FICO® score of 730 or greater, and term of 60 months. Rate includes 0.25% reduction 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) effective as of July 1, 2025, and subject to change without notice. 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 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)
2024 and Newer 5.44% 5.79% $632.46 54
2021-2023 5.74% 6.10% $636.62 54
2018-2020 6.64% 7.00% $649.22 54
2017 and older 9.04% 9.41% $683.53 54

Rates effective July 1, 2025, subject to change without notice. Rate includes a 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. A documentary fee of $235 applies to all booked auto loan applications. Interest charges begin accruing as of the loan funding date. APR calculation and estimated monthly payment in Auto Loan rate table based on loan amount of $30,000, FICO® score of 730 or greater, term of 54 months. Payments shown does not include taxes or insurance premiums.  Subject to credit approval. Additional conditions may apply.  Please call for rates for terms other than 54 months. Private party sales outside of Indiana and non-franchise dealerships (Carvana, Enterprise, etc.) are not available for financing at Elements Financial. Elements Financial refinances subject to $200 refinance fee.

Boat/RV Loan

Boat Loans

Boat Loan Interest Rate  APR  Monthly Payment Loan Term (Months)
New & Used 2018+ 8.34% 8.52% $369.39 120

Rates effective as of July 1, 2025, 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 $160 processing fee and a $75 Vendor Single Interest (VSI) fee apply to all booked boat loan applications. Boats 2018 or newer — APR calculation and example monthly payments based on loan amount of $30,000, FICO® score of 730 or greater, and term of 120 months. Rate includes 0.25% reduction for automated payments from an Elements checking account. 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 2018+ 8.34% 8.52% $369.39 120

Rates effective as of July 1, 2025, 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 $160 processing fee and a $75 Vendor Single Interest (VSI) fee apply to all booked RV loan applications. RVs 2018 or newer — APR calculation and example monthly payments based on loan amount of $30,000, FICO® score of 730 or greater, and term of 120 months. Rate includes 0.25% reduction for automated payments from an Elements checking account. 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 2018+ 8.84% 9.18% $620.42 60

Rates effective as of July 1, 2025, 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 $160 processing fee and a $75 Vendor Single Interest (VSI) fee apply to all booked motorcycle and ATV loan applications. Motorcycle and ATVs 2018 or newer — APR calculation and example monthly payments based on loan amount of $30,000, FICO® score of 730 or greater, and term of 60 months. Rate includes 0.25% reduction for automated payments from an Elements checking account. Additional conditions may apply. Subject to credit approval. Payments shown do not include taxes and insurance premiums. 

Personal Loan

EZ Line of Credit

EZ Line of Credit Interest Rate  APR 
EZ Line of Credit 11.74% 11.74%

Rates effective as of July 1, 2025, 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 5.00% 5.00%

Rates effective as of July 1, 2025, 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  Monthly Payment Loan Term (Months)
Unsecured Signature Loan 9.84% 9.84% $252.00 48

Rates effective as of July 1, 2025, 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. APR calculation and example monthly payments based on loan amount of $10,000, FICO® score of 730 or greater, and term of 48 months. Rate includes 0.25% reduction for Preauthorized Transfer from an Elements checking account. Rate reduction is subject to increase if the Preauthorized Transfer is discontinued. Additional conditions may apply. 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

Signature Rewards Visa Cards

Signature Rewards Visa Purchases & Balance Transfers
Introductory APR for 18 Months  0%
Variable APR after 18-Month Intro Period  15.24%
Balance Transfer Fee  4%

Signature Rewards Visa Introductory APR (Annual Percentage Rate) good for 18 months. Elements Financial loans are not eligible for payoff with introductory balance transfer offers. Subject to credit approval. Additional limitations, terms, and conditions apply. After introductory period your Standard variable APR for Purchases and Balance Transfers will be 15.24% for Signature Rewards Visa. Rate effective July 1, 2025, and will vary with the market based on the Prime Rate as published in The Wall Street Journal. Elements reserves the right to amend or discontinue offers at any time. Terms & Conditions.

Platinum Visa Cards

Platinum Visa Purchases & Balance Transfers
Introductory APR for 18 Months  0%
Variable APR after 18-Month Intro Period  13.24%
Balance Transfer Fee  4%

Platinum Visa Introductory APR (Annual Percentage Rate) good for 18 months. Elements Financial loans are not eligible for payoff with introductory balance transfer offers. Subject to credit approval. Additional limitations, terms, and conditions apply. After introductory period your Standard variable APR for Purchases and Balance Transfers will be 13.24% for Platinum Visa. Rate effective July 1, 2025, and will vary with the market based on the Prime Rate as published in The Wall Street Journal. Elements reserves the right to amend or discontinue offers at any time. Terms & Conditions.

Cash Rewards Visa Cards

Cash Rewards Visa Purchases & Balance Transfers
Introductory APR for 18 Months  0%
Variable APR after 18-Month Intro Period  17.24%
Balance Transfer Fee  4%

Cash Rewards Visa Introductory APR (Annual Percentage Rate) good for 18 months. Elements Financial loans are not eligible for payoff with introductory balance transfer offers. Subject to credit approval. Additional limitations, terms, and conditions apply. After introductory period your Standard variable APR for Purchases and Balance Transfers will be 17.24% for Cash Rewards Visa. Rate effective July 1, 2025, and will vary with the market based on the Prime Rate as published in The Wall Street Journal. Elements reserves the right to amend or discontinue offers at any time. Terms & Conditions.

Butler University Rewards Visa Cards

Butler University Rewards Visa Purchases & Balance Transfers
Introductory APR for 18 Months  0%
Variable APR after 18-Month Intro Period  17.24%
Balance Transfer Fee  4%

Butler University Rewards Visa Introductory APR (Annual Percentage Rate) good for 18 months. Elements Financial loans are not eligible for payoff with introductory balance transfer offers. Subject to credit approval. Additional limitations, terms, and conditions apply. After introductory period your Standard variable APR for Purchases and Balance Transfers will be 17.24% for Butler University Rewards Visa. Rate effective July 1, 2025, and will vary with the market based on the Prime Rate as published in The Wall Street Journal. Elements reserves the right to amend or discontinue offers at any time. Terms & Conditions.

Indianapolis Indians Signature Rewards Visa Cards

Indianapolis Indians Signature Rewards Visa Purchases & Balance Transfers
Introductory APR for 18 Months  0%
Variable APR after 18-Month Intro Period  15.24%
Balance Transfer Fee  4%

Indianapolis Indians Signature Rewards Visa Introductory APR (Annual Percentage Rate) good for 18 months. Elements Financial loans are not eligible for payoff with introductory balance transfer offers. Subject to credit approval. Additional limitations, terms, and conditions apply. After introductory period your Standard variable APR for Purchases and Balance Transfers will be 15.24% for Signature Rewards Visa. Rate effective July 1, 2025, and will vary with the market based on the Prime Rate as published in The Wall Street Journal. Elements reserves the right to amend or discontinue offers at any time. 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  13.24%
Balance Transfer Fee  1%

Riley Children's Foundation Visa Introductory APR (Annual Percentage Rate) good for 6 months. Elements Financial loans are not eligible for payoff with introductory balance transfer offers. Subject to credit approval. Additional limitations, terms, and conditions apply. After introductory period your Standard variable APR for Purchases and Balance Transfers will be 13.24% for Riley Children's Foundation Visa. Rate effective July 1, 2025, and will vary with the market based on the Prime Rate as published in The Wall Street Journal. Elements reserves the right to amend or discontinue offers at any time. Terms & Conditions.

Secured Visa Cards

Secured Visa Purchases Balance Transfers
Variable APR  17.24% 17.24%
Balance Transfer Fee  – 3%

APR stands for Annual Percentage Rate. Subject to credit approval. Additional limitations, terms, and conditions apply. Rate effective July 1, 2025, and will vary with the market based on the Prime Rate as published in The Wall Street Journal. Terms & Conditions.

 

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Commercial Products

Business Savings

Business Premium Money Market Account

Business Premium Money Market Savings Dividend Rate  APY 
$0.01 - $2,499.99 0.50% 0.50%
$2,500.00 - $9,999.99 0.50% 0.50%
$10,000.00 - $24,999.99 0.50% 0.50%
$25,000.00 - $49,999.99 1.24% 1.25%
$50,000.00 - $99,999.99 1.74% 2.00%
$100,000.00 - $249,999.99 2.47% 2.50%
$250,000.00 and Above 2.96% 3.00%

Rates effective as of July 1, 2025, and may change after account opening without notice. Fees may reduce earnings.

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