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with a Home Equity Line of Credit

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Special Offers

Drive Your Dream Vehicle For Less

Special Auto Loan Offer

Rates as low as 5.44 % APR1 When you buy or refinance2 a new or used vehicle3

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Find the Perfect Card for Your Purchases

ELEMENTS VISA SIGNATURE CREDIT CARD

0 % Intro APR for 18 Months4
14.99 % Variable APR, Thereafter4
on purchases and balance transfers5

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Simplify When You Refi

STUDENT LOAN REFINANCE

Fixed rates as low as 5.09 % APR The smart way to refinance for college6

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In the Community

Our Commitment to Community Impact

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

Purpose Day 2025

Partner with Elements

Band of Believers in Elements Financial

We’re Building a Band of Believers in Financial Wellness

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

Join Our Movement

In the News

Group check presentation

Awarding $137,500 to Strengthen Local Youth Programs

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

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Focused on Your Financial Wellness

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

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

About Elements

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

Benefits of a Credit Union

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

See Financial Resources

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

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

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  1. 1 Rates effective August 29, 2025, subject to change without notice. Promotional rate includes 0.25% reduction for Preauthorized Transfer from an Elements checking account set up at closing. Rate reduction is subject to increase if the Preauthorized Transfer is discontinued. Each individual’s Annual Percentage Rate (APR) is determined by Elements’ underwriting criteria. Rate may vary depending on credit history, vehicle model year, and loan term. Not all applicants will qualify for the displayed lowest rate. First payment due 90 days from loan funding. Interest charges begin accruing as of the loan funding date. APR calculation and estimated monthly payment of $627.58 based on loan amount of $30,000, FICO® score of 730 or greater, term of 54 months, model year 2024 and newer, and the loan being a purchase or non-Elements Financial auto loan refinance. Payment shown does not include taxes or insurance premiums. FICO score less than 640 not eligible for promotion. Subject to credit approval. Promotion subject to change without notice and may end at any time. Additional conditions may apply. Private party sales outside of Indiana and non-franchise dealerships (Carvana, Enterprise, etc.) are not available for financing at Elements Financial. Current Elements Financial auto loans are ineligible for this promotion. Federally Insured by NCUA.
  2. 2 Elements Financial refinances subject to $200 refinance fee.
  3. 3 Current Elements Financial auto loans are ineligible for this promotion.
  4. 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 14.99% for Signature Rewards Visa. Rate effective October 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.
  5. 5 Signature Rewards Visa Credit Card Transaction Fees — Credit Card Balance Transfer: 4% on each Balance Transfer. Credit Card Cash Advance: Up to 3% for each Cash Advance or a minimum of $5.00.
  6. 6 Student Loan Refinance eligibility requirements and disclosures apply.