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A better digital banking experience is coming this fall. — Learn More

Fresh Savings, Higher Returns

Bring new money to Elements and earn 3.75% APY for 8 months — a great start to a long-term savings strategy.

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Special Offers

Make Your Savings Work Harder — for a Limited Time

HIGH YIELD SAVINGS PLUS

3.75 % APY1 for 8 months when you bring $15,000 or more in new deposits to Elements

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Lock in Your Earnings

8-MONTH CERTIFICATE

Get a Guaranteed Rate 3.90 % APY2 Learn more and get started today

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This is Worth Sharing. Refer a Friend & Earn!

REFER A FRIEND & EARN!

Refer a Friend Today Get $50. Give $50. Share the rewards! When meeting eligibility requirements3

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In the Community

Our Commitment to Community Impact

Nine years ago, we established our annual Purpose Day—a day dedicated to giving back to the neighborhoods our members call home. Learn how our team stepped away from the office to volunteer with six different nonprofit organizations, putting our purpose into action.

Purpose Day 2025

Updates at Elements

an elements member using a laptop

A Better Digital Banking Experience Is Coming This Fall

This fall, Elements Financial is upgrading your online banking and mobile app to an improved Digital Banking experience — more consistent, more streamlined, and built with you in mind. Your feedback shaped this change, bringing together your current online banking, mobile app, card controls, statements, and more into one modern, integrated platform.

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In the News

illustration of Rowdie from the Indianapolis Indians

Indianapolis Indians Announce Damar and Elements Financial as Official Sponsors of Rowdie

The Indianapolis Indians today announced, in an expansion of their existing partnerships, that Damar and Elements Financial have been named the official co-sponsors of the team’s fan-favorite mascot, Rowdie, with patches on Rowdie's three official jerseys.

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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.

Benefits of a Credit Union

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 5% of credit unions in the U.S., with more than 100,000 members and $2.2 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 90,000+ 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. 1 The High Yield Savings Plus account is a promotional savings account offering a fixed 3.75% Annual Percentage Yield (APY) on balances of $15,000.00 or more for the first 8 months. To qualify, a minimum of $15,000.00 in new money must be deposited, whether opening a new account or converting an existing High Yield Savings account or Private Client High Yield Savings account to the High Yield Savings Plus account. New Money is defined as funds not on deposit at Elements within the 30 days prior to opening the High Yield Savings Plus account. The promotional period begins on the account opening date or, for existing accounts, on the date the required new money deposit is met. For members to receive the promotional terms on existing High Yield Savings, you must contact Elements to convert your existing account to a High Yield Savings Plus account. Rates are accurate as of July 1, 2026. The High Yield Savings Plus account is a tiered rate account in which the dividends are calculated on the entire balance in your account based on the rate for the tier corresponding to each day’s daily balance. On the first business day following the last calendar day of the 8th month, the account and promotional APY will automatically convert to the then current non-promotional High Yield Savings tier structure or for Private Client, the non-promotional PC High Yield Savings account tier structure. APYs are variable and may change at any time without notice. Additional information for each tier: An APY of 0.10% applies to accounts with balances from $0.01 to $99.99; and from $100.00 to $2,499.99. An APY of 0.25% applies to accounts with balances from $2,500.00 to $9,999.99. An APY of 2.00% applies to accounts with balances from $10,000.00 to $14,999.99. An APY of 3.75% applies to accounts with balances from $15,000.00 and above. At least one account holder must be 18 years of age. Other qualifications may apply. Offer subject to membership approval. Elements reserves the right to modify or discontinue this offer at any time. Fees may reduce earnings. Federally insured by NCUA.
  2. 2 Share Certificate Annual Percentage Yield (APY) effective as of July 1, 2026, 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. Unless redeemed, upon maturity, the 8-month certificate will automatically reinvest into a 6-month certificate at the then current APY; the 13-month certificate will automatically reinvest into a 12-month certificate at the then current APY. 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.
  3. 3 Elements Financial - Refer-A-Friend Checking Account Offer: The Elements member making the referral (Referrer) will earn a $50 Visa® Virtual Reward for each individual referred (Referred Person) to Elements Financial who registers for the offer via ReferLive, opens a new Elements Financial personal checking account, and completes the offer requirements within the time specified in the offer. To make a referral, the Referrer must be an Elements member, register for the program and share the offer with their friends, family, or coworkers. A Referrer may earn up to $500 in Visa Virtual Reward within a calendar year. Only one Referrer may receive a Visa Virtual Reward for each Referred Person who fulfills the requirements.

    Offer Requirements: To earn a $50 Visa Virtual Reward, the Referred Person must register by following the link provided in the referral email or on social media, open a new Elements Financial personal checking account, and meet the following requirements within 90 days of account opening:

    • Have two (2) or more external direct deposits of $500 or more each.
      • A qualifying direct deposit must be an electronic deposit of your paycheck, pension, or other government benefits (such as Social Security) from your employer or the government. Person-to-Person payments including but not limited to Zelle® and Venmo®, and transfers from external accounts, do not qualify as direct deposits under the Program.

    The Referred Person is subject to membership eligibility, and will be considered ineligible if they currently have, or have had a previous Elements checking account within the last 180 days.

    The Referrer authorizes the sending of communications to each Referred Person. The email may not be recovered if the person has “opted out” of marketing material from Elements Financial or ReferLive. Each person who registers at ReferLive authorizes future communications including emails regarding the program unless they “opt out” by making an election at ReferLive or within such email. The Referred Person acknowledges that a Visa Virtual Reward will be issued to the Referrer after all conditions have been met in the time frames provided.

    Please allow 2-3 weeks after completion of all requirements for delivery of the Visa Virtual Reward. The Visa Virtual Rewards are subject to Terms and Conditions delivered with the reward and expire 6 months after date of issuance. Virtual Rewards may be reported as income to the IRS.

    Visa Virtual Reward is a registered trademark of Visa, Inc. Visa is not a participant or sponsor of this promotion.

    Referral links are issued solely for individual, personal, and non-commercial use. The Referrer expressly agrees not to use the referral program or any referral link in a manner that is intended, or could reasonably be expected, to manipulate, exploit, misrepresent, or otherwise harm the referral program, or its members, including through fraudulent activity, gaming of incentives, or circumvention of program controls. Elements Financial reserves the right, at its sole discretion, to deactivate referral links, deny or revoke rewards, and take any additional action deemed appropriate if Elements Financial determines that the Referrer and/or Referred Person engaged in misuse, or other prohibited activity, including but not limited to establishing or using an account for the purpose of exploiting the promotional offer or otherwise engaging in promotional abuse.

    Use of Elements Financial trademarks, logos, or copyrighted website content in third-party videos, advertisements, or digital content without express written consent is strictly prohibited and may result in disqualification from the program, forfeiture of any rewards, and further legal action.

    These terms and conditions may change at any time without notice. The Referred Person and Referrer must both have an open membership in good standing at the time the rewards are to be paid.

    Federally Insured by NCUA.