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with a Home Equity Line of Credit

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Savings to Boost Your Return

FIXED RATE CERTIFICATES

8-Month Term 4.40 % APY1
13-Month Term 4.40 % APY
Highly Competitive Rates

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Now Through June 30

Special Auto Loan Offer

Rates as low as 5.44 % APR2 When you buy or refinance 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
15.24 % Variable APR, Thereafter4
on purchases and balance transfers5

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In the Community

Our Commitment to Community Impact

Eight 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 2024

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

Top Leadership Role Announced

John Huesing named President & CEO

John Huesing named President & CEO

The Board of Directors of Elements Financial has appointed John Huesing, an experienced finance professional, to serve as President & Chief Executive Officer. Huesing brings a wealth of knowledge and expertise to this position, coupled with a strong record of leadership.

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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.

Find an ATM or Branch

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.

Learn more about Online Banking

  1. 1 Share Certificate (Fixed Rate) Annual Percentage Yield (APY) effective as of June 2, 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.
  2. 2 Rates effective June 2, 2025, subject to change without notice. Offer available for auto loans applied for from June 2 – June 30, 2025. Promotional rate includes 1.00% 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 promo rate or 90 days to first payment. Subject to credit approval. Rates subject to change without notice and may end at any time. Additional conditions may apply. Third-party refinance vendor transactions are not eligible for promo rate. Elements Financial refinances may be eligible for the promo rate but are subject to a $200 refinance fee. Private party sales outside of Indiana and non-franchise dealerships (Carvana, Enterprise, etc.) are not available for financing at Elements Financial. Federally Insured by NCUA.
  3. 3 Elements Financial refinances subject to $200 refinance fee.
  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 15.24% for Signature Rewards Visa. Rate effective June 2, 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.