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Daily Spending

Our “now-term” financial management products are designed to turn elements of your daily spending into long-term wellness. For instance, your credit card payments are applied to your highest interest balance first, and we never charge interest on your interest. Both allow you to better manage your credit card balances and pay off higher-interest purchases sooner. Your definition of long-term success is unique, but daily financial efficiency is universal.

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Illustration of Elements Family

Embrace the
Value You Deserve

When you do business with Elements Financial, you get better value than if you save or borrow with another bank or credit union. Higher Deposit Rates. Lower Loan Rates. Fewer Fees. Our members realize a total annual savings of $16.4 million compared to customers elsewhere.*

That’s money saved for family, experiences, and for the things that matter most. That’s why we’re here — to help you reach your long-term milestones while planning for today’s “now-term” needs.

Learn more about daily spending.

Elements Kite

I just got my first credit card and decided to apply for Elements Financial’s Visa that benefits Riley Children’s Foundation. I get a low rate on purchases and balance transfers, even after special intro pricing for my first 6 months. I love that I can effortlessly give back to a great cause like Riley!*

Member Kyle



Member Abby


Credit Card

Member Ross


Electronic Banking

Credit Cards

At some point, we all find ourselves using a credit card to pay for an emergency repair. Our members are no different – except in their savings over time. Starting with a $7,500 repair, after making 21 monthly payments of $150, our members would see their balance drop 29% vs. 24% with a competitor’s card. This translates to an interest savings of $600 for our members.

Chart comparing Elements and Competitor savings over time.
Average Annual Member Value = $300
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One of the great milestones in your life is buying your home. There is so much that changes when you’re a homeowner, and we can help you maximize those opportunities. Consider our Home Equity products, which provide access to more equity than our competitors, along with closing times as short as 10 days. Now, you can focus on what’s really important — your family, your memories and your future.

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Illustration of Elements Family in a Car

Life’s Mile Markers

You begin reaching certain milestones in life and, over time, your needs change. The rooms in your new house eventually fill with children. Before you know it, they’re asking to borrow the car keys. And soon, they’ll be packing the car with boxes on their way to college. We understand what that means for you. We provide solutions with your long-term financial wellness in mind – checking off life’s milestones along the way.

Learn more about borrowing.

Kite String

I just had an AWESOME experience with my new mortgage! I loved reviewing my progress through the website at any time. I felt informed and knew exactly where I was throughout the process. Within 29 days, I was sitting at the title company closing on my dream home.

Member Connie


Auto Loan

Member Rebecca


Home Mortgage

Member Dominic


Student Loan

Home Equity Program

On average, our members are paying a rate of 4.00% APR (Annual Percentage Rate) on our home equity lines of credit. For those same lines at the largest banks in Indianapolis, those rates would equal 5.76% APR. Our members are saving $910 per year through our program!

Chart comparing Elements Home Equity APR 4.00% v Competitor APR 5.76%
Average Annual Member Value = $910

*Home Equity Line of Credit: The Introductory Annual Percentage Rate (APR) of 0.99% is for new home equity line of credits only and is for the first 90 days. To receive the Introductory rate, a draw of at least $5,000 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 4.00% or higher than 18%. Rates vary depending upon credit history, combined loan-to-value (CLTV), and occupancy. The stated rate applies to lines secured by credit score of 710 or greater, CLTV 80% or less, and owner-occupied single-family residences (includes townhomes, row homes, condominiums, and co-ops). Elements Financial will pay most closing costs on new applications including settlement fees, flood determination fee, title search, title insurance, and notary fees. You may be required to pay other closing costs such as government fees and recording charges, taxes, and when required, appraisal fees. These costs vary by state and property type and may range from $0 to $750. Elements Financial reserves the right to modify or end this offer at any time. Subject to credit approval. Elements Financial Membership Required.

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Long-Term Saving

Growth is essential to anyone’s financial wellness plan. Many crave certainty as a complement to the growth of their financial portfolios. We offer savings certificates priced among the industry’s best rates with low minimum deposits – only $1,000 and just $500 for members under 18. Whether you’re 18 or 68, our long-term savings products provide you a stable investment option.

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Illustration of Elements Extended Member Family at Their House

Welcome to Financial Wellness

Long-term achievement is a reflection of your life’s moments of inspiration and commitments. You’ve discovered your financial elements, accomplished your milestones and secured the legacy of your financial wellness. Having financial certainty means knowing that your accomplishments are protected for your family and future generations. Sit back, relax, and enjoy the view.

Learn more about long-term saving.

I now understand the value of a Health Savings Account. Using pre-tax money to pay my medical bills and prescriptions is great. I can manage my HSA with Elements Financial’s eBranch, too. In time, I can transfer to a TD Ameritrade investments account that’s tied directly to my Elements Financial HSA.

Member Geoff


Health Savings Account

Member Tammi


Credit Counseling


Over the length of a certificate’s term, our average savings certificate pays $1,898.85 in dividends to members. Depositing to our largest bank competitors for the same term would earn you only $385.90 in interest. That’s $1,512.95 in additional savings! We pay more on longer terms, so the longer you save, the more you earn from us.

Chart comparing Elements Dividends to Competitor Dividends Over Time
Average Annual Member Value = $489

* Dividends example is an average calculation based on a balance of $25,300 for 37 months. Minimum certificate deposit of $1,000.00. Minimum required to open a child's certificate is $500.00. Child must be under 18 years of age. A penalty will be imposed for withdrawal before maturity.

Kite String

On average, an Elements Financial household saves an estimated



Pick your preferred products and enter your balances to determine your customized estimated annual savings using our Competitive Value Calculator.

*Competitive Values are estimated by comparing historical rates and fees at Elements Financial and at the five banks and credit unions with the largest market share in Central Indiana; data valid as of 8/31/16.

Competitive Value Calculator


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Health Savings Account


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Investments and Retirement Planning


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Discover the elements of your own financial wellness.

Your daily spending habits have a long-term effect on your financial wellness. Whether you are starting fresh or transferring your loans and deposits, contact us today to learn more about earning more.




Click here if you are a current Elements Financial member

Select all the products that interest you, and we’ll follow up with more information:

Savings Certificate

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Auto Loan

High-Interest Checking

Home Equity

Health Savings Account


Money Market

Investments and Retirement Planning

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