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Like a Bank, Only Better.

Higher Deposit Rates, Lower Loan Rates, Fewer Fees.

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Special Offers

There's No Reason to Make a Checking Account Complicated

No Monthly Fee

Business Basic Checking Ideal for small businesses & non-profits with an average daily balance of $10,000 or less

Learn More Call to Apply 1-800-621-2105

A Credit Card Designed Around Your Business

No Annual Fee

BUSINESS REWARDS VISA Peace of mind at home and on the road with built-in travel and purchase protection benefits

Learn More Call to Apply 1-800-621-2105

Elements in the Community

Our Pillars of Giving

At Elements, we are proud of our community. This pride is precisely why we have defined three focus areas for our community relations program.

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Partner with Elements

Band of Believers in Elements Financial

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 100 companies around the U.S.

Partner with Elements

In the News

Donation to Local At-Risk Scholars Supports Their College Dreams

Donation to Local At-Risk Scholars Supports Their College Dreams

Elements partnered with DREAM Alive to supply more than 20 laptop computers to local students.

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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 bank that's owned by its members. That means we offer all the same products as a bank, but our profits are returned to our owner-members 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 Federal Credit Union has the ability to do some pretty amazing things for our members. While offering all the products, instruments 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 as the tenets of Elements’ promise to our customers. Our practical financial advice is dependable enough to have earned us 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, like holding financial workshops at their workplaces.

Financial Resources

Elements Financial Federal Credit Union has been a part of the Central Indiana community since 1930. We’re proud of the reputation we’ve earned in those 80+ years, one of respect for—and from—our neighbors. We’re also proud to offer our clients access to our services wherever they go, with 78,000 ATMs and 5,000 shared branches worldwide—and nary a surcharge to be found at any of them.

Find an ATM or Branch

For centuries, financial institutions offered highly personal human service, but the hours? Laughable. Then the digital revolution arrived, and the pendulum swung the other way: super-convenient hours …but service that had become cold and impersonal. Well, now Elements has gotten the formula right: modern technology made personal by 24/7 human support. Our goal is 100% satisfaction, and we feel we’ve got the balanced resources to achieve it.

Online Banking