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THE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR THE ISSUENCE OF CREDIT UNDER THIS AGREEMENT.

YOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY INTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HAVE WITH US NOW AND IN THE FUTURE TO SECURE REPAYMENT OF CREDIT EXTENDED UNDER THIS AGREEMENT. YOU ALSO AGREE THAT WE HAVE SIMILAR STATUTORY LIEN RIGHTS UNDER STATE AND/OR FEDERAL LAW. IF YOU ARE IN DEFAULT, WE CAN APPLY YOUR SHARES TO THE AMOUNT YOU OWE.

Shares and deposits in an Individual Retirement Account or any other account that would lose special tax treatment under state or federal law if given are not subject to this security interest.

If you have other loans with us, collateral securing such loans will also secure your obligations under this Agreement, unless that other collateral is your principal residence or non-purchase money household goods.



Cash Rewards Visa, Platinum Visa, and Signature Rewards Visa credit cards

The following disclosure represents important details concerning your Elements Financial Cash Rewards Visa, Platinum Visa, or Signature Visa credit card. The information about costs of the card is accurate as of Rate effective December 19, 2024. You can contact us toll-free at 800-621-2105 or Elements Financial Federal Credit Union, P.O. Box 7123, Indianapolis, IN 46207-7123 to inquire if any changes occurred since the effective date.

INTEREST RATES and INTEREST CHARGES
  Cash Rewards Visa Platinum Visa Signature Rewards Visa
Annual Percentage Rate (APR) for Purchases and Balance Transfers

0% Introductory APR for six months.

After that, your Standard APR will be 17.24%.

This APR will vary with the market based on the Prime Rate.

0% Introductory APR for six months.

After that, your Standard APR will be 13.24%.

This APR will vary with the market based on the Prime Rate.

0% Introductory APR for six months.

After that, your Standard APR will be 15.24%.

This APR will vary with the market based on the Prime Rate.
APR for Cash Advances 17.99% — This APR will vary with the market based on the Prime Rate. 17.99% — This APR will vary with the market based on the Prime Rate. 17.99% — This APR will vary with the market based on the Prime Rate.
Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases and balance transfers if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the date the cash advance is posted to your account.
Minimum Interest Charge None
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website for the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore

 

FEES
  Cash Rewards Visa Platinum Visa Signature Rewards Visa
Fees to Open or Maintain Your Account
  • Annual Fee: None
  • Application Fee: None
Transaction Fees

Balance Transfer: None

Cash Advance: Up to 3% for each Cash Advance or a minimum of $5.00

Wire Transfer: Up to 3% for each wire transfer or a minimum of $5.00

International Transaction: 1.0% of each transaction in U.S. dollars

Balance Transfer: None

Cash Advance: Up to 3% for each Cash Advance or a minimum of $5.00

Wire Transfer: Up to 3% for each wire transfer or a minimum of $5.00

International Transaction: 1.0% of each transaction in U.S. dollars

Balance Transfer: None

Cash Advance: Up to 3% for each Cash Advance or a minimum of $5.00

Wire Transfer: Up to 3% for each wire transfer or a minimum of $5.00
Penalty Fees

Late Payment: Up to $25.00 if your payment is late

Over-the-Credit Limit: None

Returned Payment: Up to $25.00 if your payment is returned for any reason

Late Payment: None

Over-the-Credit Limit: None

Returned Payment: Up to $25.00 if your payment is returned for any reason

Late Payment: Up to $25.00 if your payment is late

Over-the-Credit Limit: None

Returned Payment: Up to $25.00 if your payment is returned for any reason

 


How We Will Calculate Your Balance: We use a method called "Average Daily Balance (including new purchases)."

Loss of Introductory Rate: We may end your Introductory Rate and apply the Standard APR disclosed above if you make a late payment.

 

Indianapolis Indians Signature Rewards Visa and Indianapolis Indians Rewards Visa credit cards

The following disclosure represents important details concerning your Indianapolis Indians Signature Rewards Visa or Indianapolis Indians Rewards Visa credit card. The information about costs of the card is accurate as of Rate effective December 19, 2024. You can contact us toll-free at 800-621-2105 or Elements Financial Federal Credit Union, P.O. Box 7123, Indianapolis, IN 46207-7123 to inquire if any changes occurred since the effective date.

INTEREST RATES and INTEREST CHARGES
  Indianapolis Indians Signature Rewards Visa Indianapolis Indians Rewards Visa
Annual Percentage Rate (APR) for Purchases and Balance Transfers

0% Introductory APR for six months.

After that, your Standard APR will be 15.24%.

This APR will vary with the market based on the Prime Rate.

0% Introductory APR for six months.

After that, your Standard APR will be 17.24%.

This APR will vary with the market based on the Prime Rate.
APR for Cash Advances 17.99% — This APR will vary with the market based on the Prime Rate. 17.99% — This APR will vary with the market based on the Prime Rate.
Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases and balance transfers if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the date the cash advance is posted to your account.
Minimum Interest Charge None
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website for the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore

 

FEES
  Indianapolis Indians Signature Rewards Visa Indianapolis Indians Rewards Visa
Fees to Open or Maintain Your Account
  • Annual Fee: None
  • Application Fee: None
  • Annual Fee: None
  • Application Fee: None
Transaction Fees

Balance Transfer: None

Cash Advance: Up to 3% for each Cash Advance or a minimum of $5.00

Wire Transfer: Up to 3% for each wire transfer or a minimum of $5.00

International Transaction: None

Balance Transfer: None

Cash Advance: Up to 3% for each Cash Advance or a minimum of $5.00

Wire Transfer: Up to 3% for each wire transfer or a minimum of $5.00

International Transaction: 1.0% of each transaction in U.S. dollars
Penalty Fees

Late Payment: Up to $25.00 if your payment is late

Over-the-Credit Limit: None

Returned Payment: Up to $25.00 if your payment is returned for any reason

Late Payment: Up to $25.00 if your payment is late

Over-the-Credit Limit: None

Returned Payment: Up to $25.00 if your payment is returned for any reason


How We Will Calculate Your Balance: We use a method called "Average Daily Balance (including new purchases)."

Loss of Introductory Rate: We may end your Introductory Rate and apply the Standard APR disclosed above if you make a late payment.

 

Butler University Rewards Visa credit card

The following disclosure represents important details concerning your Butler University Rewards Visa credit card. The information about costs of the card is accurate as of December 19, 2024. You can contact us toll-free at 800-621-2105 or Elements Financial Federal Credit Union, P.O. Box 7123, Indianapolis, IN 46207-7123 to inquire if any changes occurred since the effective date.

INTEREST RATES and INTEREST CHARGES
  Butler University Rewards Visa
Annual Percentage Rate (APR) for Purchases and Balance Transfers

0% Introductory APR for six months.

After that, your Standard APR will be 17.24%.

This APR will vary with the market based on the Prime Rate.
APR for Cash Advances 17.99% — This APR will vary with the market based on the Prime Rate.
Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases and balance transfers if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the date the cash advance is posted to your account.
Minimum Interest Charge None
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website for the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore

 

FEES:

Fees to Open or Maintain your Account:

  • Annual Fee: None
  • Application Fee: None

Transaction Fees

  • Balance Transfer: None
  • Cash Advance: Up to 3% for each Cash Advance or a minimum of $5.00
  • Wire Transfer: Up to 3% for each wire transfer or a minimum of $5.00
  • International Transaction: None

Penalty Fees

  • Late Payment: Up to $25.00 if your payment is late
  • Over-the-Credit Limit: None
  • Returned Payment: Up to $25.00 if your payment is returned for any reason


How We Will Calculate Your Balance: We use a method called "Average Daily Balance (including new purchases)."

Loss of Introductory Rate: We may end your Introductory Rate and apply the Standard APR disclosed above if you make a late payment.

 

Riley Children's Foundation Visa credit card

The following disclosure represents important details concerning your Riley Children's Foundation Visa credit card. The information about costs of the card is accurate as of December 19, 2024. You can contact us toll-free at 800-621-2105 or Elements Financial Federal Credit Union, P.O. Box 7123, Indianapolis, IN 46207-7123 to inquire if any changes occurred since the effective date.

INTEREST RATES and INTEREST CHARGES
  Riley Children's Foundation Visa
Annual Percentage Rate (APR) for Purchases and Balance Transfers

0% Introductory APR for six months.

After that, your Standard APR will be 13.24%.

This APR will vary with the market based on the Prime Rate.
APR for Cash Advances 13.24% — This APR will vary with the market based on the Prime Rate.
Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases and balance transfers if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the date the cash advance is posted to your account.
Minimum Interest Charge None
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website for the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore

 

FEES:

Fees to Open or Maintain your Account:

  • Annual Fee: None
  • Application Fee: None

Transaction Fees

  • Balance Transfer: Up to 1% of each Balance Transfer or a minimum of $5.00
  • Cash Advance: Up to 3% for each Cash Advance or a minimum of $5.00
  • Wire Transfer: Up to 3% for each wire transfer or a minimum of $5.00
  • International Transaction: 1.0% of each transaction in U.S. dollars

Penalty Fees

  • Late Payment: Up to $25.00 if your payment is late
  • Over-the-Credit Limit: None
  • Returned Payment: Up to $25.00 if your payment is returned for any reason


How We Will Calculate Your Balance: We use a method called "Average Daily Balance (including new purchases)."

Loss of Introductory Rate: We may end your Introductory Rate and apply the Standard APR disclosed above if you make a late payment.

 

Secured Visa credit card

The following disclosure represents important details concerning your Elements Financial Secured Visa credit card. The information about costs of the card is accurate as of December 19, 2024. You can contact us toll-free at 800-621-2105 or Elements Financial Federal Credit Union, P.O. Box 7123, Indianapolis, IN 46207-7123 to inquire if any changes occurred since the effective date.

INTEREST RATES and INTEREST CHARGES
  Secured Visa
Annual Percentage Rate (APR) for Purchases and Balance Transfers

17.24% — This APR will vary with the market based on the Prime Rate.
APR for Cash Advances 17.99% — This APR will vary with the market based on the Prime Rate.
Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases and balance transfers if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the date the cash advance is posted to your account.
Minimum Interest Charge None
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website for the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore

 

FEES:

Fees to Open or Maintain your Account:

  • Annual Fee: None
  • Application Fee: None

Transaction Fees

  • Balance Transfer: Up to 3% of each Balance Transfer or a minimum of $5.00
  • Cash Advance: Up to 3% for each Cash Advance or a minimum of $5.00
  • Wire Transfer: Up to 3% for each wire transfer or a minimum of $5.00
  • International Transaction: 1.0% of each transaction in U.S. dollars

Penalty Fees

  • Late Payment: Up to $25.00 if your payment is late
  • Over-the-Credit Limit: None
  • Returned Payment: Up to $25.00 if your payment is returned for any reason

 

An Elements Financial Savings account is a requirement of the Secured Visa Card. At least 100% of the approved credit line amount must remain on deposit in an Elements personal Savings Account (Secured Bank Account). The deposit requirement ranges from a minimum of $500 to a maximum of $5,000, based upon approved credit line amount. The Secured Visa Card is a non-rewards card.

How We Will Calculate Your Balance: We use a method called "Average Daily Balance (including new purchases)."

 

†) Elements Financial Visa Credit Card introductory rate good for six months. 1) Annual Percentage Rate. Subject to credit approval. Additional limitations, terms, and conditions apply.

Credit Card Services: 800-234-5354 (questions, issues, lost/stolen cards)
Pure Perks: 855-814-5597

To make payments to your Elements Financial credit card, send them payable to:
Elements Financial Federal Credit Union
PO Box 37035
Boone, IA 50037-0035