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What Would My Mortgage Payments Be? How Much Can I Borrow From My Home Equity? How Much Home Can I Afford? About Elements About Elements What’s a Credit Union? Purpose & Strategy Company Culture Community Impact News & Advice Events Careers Careers Careers at Elements About Elements Our Culture Benefits How to Apply See Open Positions Apply Now Watch Video We Make Mondays More Enjoyable Contact Us Contact Us Contact Directory FAQs Find an ATM/Branch Schedule an Appointment 24 Hours a Day/7 Days a Week 1-317-276-2105 1-800-621-2105 Toll Free Routing Number 274073834 Open an Account Log In Make Payment Live Chat Schedule Appointment Find ATM/Branch Log In like a bank, only better. Higher Deposit Rates, Lower Loan Rates, Fewer Fees. Get Started with Elements Online Banking Other Accounts Account Log In User ID Password First-time user? Enroll Log In Forgot Password? Make a Loan Payment Manage Your Atira Reload Card Access Your LPL Account Access Your HSA Portal through Online Banking I’m interested in... Checking Savings Auto Loans Mortgages Credit Cards Special Offers Home is Where the Heart Is and the Extra Cash HOME EQUITY LINE OF CREDIT 6-Month Intro Rate 5.99 % APR 1 Then as low as 8.50 % Variable APR on New Home Equity Lines of Credit Learn More Apply Now Our Most Popular Checking Account HIGH INTEREST CHECKING Get More from Your Money 5.00 % APY 2 for New Accountholders for 12 Months on Balances up to $20,000 Learn More Open an Account Find the Perfect Card for Your Purchases ELEMENTS CREDIT CARDS Get a $200 Cash Bonus 3 when you open and use a new Elements credit card Compare Credit Cards Apply Now Popular Actions Make a Payment Live Chat Find an ATM or Branch Show or hide site search Go In the Community Elements Financial Named a Best Place to Work in Indiana For the 13th time, Elements Financial is excited to announce its recent recognition as a 2024 Best Place to Work in Indiana. This acknowledgment, granted by the Indiana Chamber of Commerce, highlights Elements’ dedication to creating a workplace environment focused on the well-being and development of employees. Read the News Release Partner with Elements 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 A Podcast for Your Financial Life Better Money with Elements Financial Welcome to Better Money with Elements Financial, a podcast where we deliver trusted advice from financial wellness pros to help you make your money — and your life in general — better. Weekly episodes cover a variety of topics with conversation and special guests. Start Listening Today 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. 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 4% of credit unions in the U.S., with more than 100,000 members and $2.0 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 78,000+ 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 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 5.99% is for new Home Equity Lines...