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Important Holiday Hours - Thanksgiving 2024

State of Indiana & Elements Financial

Your credit union and financial wellness partner

Upcoming Events

  • Review Day: Credit Review Day

    Tuesday, December 3, 2024
    9:00 am - 4:00 pm Eastern

  • Workshop: Seasonal Spending Strategies

    Tuesday, December 3, 2024
    7:00 pm - 8:00 pm Eastern

  • Workshop: Seasonal Spending Strategies

    Tuesday, December 10, 2024
    10:00 am - 11:00 am Eastern

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Banking with a Human Touch

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Ron Ellis

Relationship Manager

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Hi! I'm Ron Ellis, Elements Financial Relationship Manager for the State of Indiana. I'm here to help with your financial wellness needs. Please contact me directly if you need any assistance.

Here to provide trusted advice!

  • One-on-One Credit Report Reviews
  • Creating a Custom Budget
  • Planning for Future Financial Goals
  • Tips to Build Your Savings
  • Assistance with Loan Applications
  • Debt Management Strategies
  • Reviewing Current Loans & Rates
  • Exploring Refinance Options
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Focused on Your Financial Wellness

We’re Like a Bank, Only Better

Better Rates. Fewer Fees. Because we’re a non-profit, member-owned credit union What’s a credit union?
Trusted Advice. Fresh Approach. Workshops at your workplace and practical financial advice See financial resources
Respected Locally. Accessed Globally. Access to 78,000 ATMs and 5,000 shared branches—all with no surcharges Find an ATM or branch
High Tech. Human Touch. Modern technology and 24/7 personalized service—our goal is 100% satisfaction Learn about online banking

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I grew up in a small town, and it was common for bank employees to greet you by name, and to make you feel important. Elements is exactly like that…except it's in a big city. Really nice staff, easy business transactions, and they actually listen!

– Curt M. | Member Since 2014
  1. 1 Flex Rate Certificate (Variable Rate) Annual Percentage Yield (APY) effective as of November 8, 2024, 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. Fees may reduce earnings. 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 Share Certificate (Fixed Rate) Annual Percentage Yield (APY) effective as of November 8, 2024, 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. Fees may reduce earnings. 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.