Special Offers

Current Special Offers

For State of Indiana employees and their families

Savings to Boost Your Return

FIXED RATE CERTIFICATES

13-Month Term 4.50 % APY¹

18-Month Term 4.35 % APY

Highly Competitive Rates

Learn More Open a Certificate

Home is Where the Heart Is and the Extra Cash

HOME EQUITY LINE OF CREDIT

6-Month Intro Rate 4.99 % APR²

Then as low as 7.50 % Variable APR

on New Home Equity Lines of Credit

Learn More Apply Now

Now Through March 31

Special Auto Loan Offer

Rates as low as 5.44 % APR³ When you buy or refinance a new or used vehicle⁴

Learn More Apply Now

Find the Perfect Card for Your Purchases

ELEMENTS CREDIT CARDS

Get a $200 Cash Bonus⁵ when you open and use a new Elements credit card

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Our Tiered Account for Savers

HIGH YIELD SAVINGS

Take Your Yield Higher 4.00 % APY⁶ on Balances of $250,000 or Greater

Learn More Open an Account

Sherry Gaw

Branch Manager

Hi! I'm Sherry Gaw, the Branch Manager at the State of Indiana Branch. I'm here to help with your financial wellness needs. Please contact me directly if you need any assistance.

1 Share Certificate (Fixed Rate) Annual Percentage Yield (APY) effective as of March 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. 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 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 4.99% 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 March 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.
3 Rates effective March 7, 2025, subject to change without notice. Offer available for auto loans applied for from March 7 – March 31, 2025. 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. 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. 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 $632.58 based on loan amount of $30,000, FICO® score of 730 or greater, term of 54 months, and the loan being a purchase or non-Elements Financial auto loan refinance. Payment shown does not include taxes or insurance premiums. Additional conditions may apply. Subject to credit approval. Rates subject to change. Elements may end offer at any time. FICO score less than 640 not eligible for promo rate or 90 days to first payment. 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.
4 Elements Financial refinances subject to $200 refinance fee.
5 Credit Card Related $200 Cash Bonus Value Offer — requiring at least 10 card purchase transactions totaling at least net $1,000 within 90 days of card approval — will be fulfilled as a one-time $200 statement credit. Statement credit will not reduce your monthly payment. If the account is closed within six months, we reserve the right to add the amount of the statement credit back to your account balance at that time. Secured Credit Card excluded. Existing or previous Elements credit cardholders not eligible. / Offer subject to credit approval and may be taxable. Elements reserves the right to amend or discontinue offers at any time. Additional terms and conditions may apply. Please allow 4-6 weeks after qualifications are met for receipt of a statement credit. Product offers cannot be combined with other promotional offers for the same product. One offer per household.
6 High Yield Savings Annual Percentage Yield (APY) accurate as of March 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 $0.00 to $99.99; from $100.00 to $2,499.99; and from $2,500.00 to $9,999.99. An APY of 3.65% applies to accounts with balances from $10,000.00 to $24,999.99. An APY of 3.75% applies to accounts with balances from $25,000.00 to $49,999.99. An APY of 3.85% applies to accounts with balances from $50,000.00 to $99,999.99. An APY of 3.95% applies to accounts with balances from $100,000.00 to $249,999.99. An APY of 4.00% 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.

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