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Overview / Commentary
317-524-5076
225 S East St Ste 300
Indianapolis, IN 46202

Elements Financial is headquartered in Indianapolis and is the 4th largest credit union in the state of Indiana. It is also the 180th largest credit union in the nation. It was established in 1976 and as of March of 2016, it had grown to 170 employees and 86,227 members at 6 locations. Elements Financial has an A health rating.

Field of Membership Restrictions

You qualify for membership as an employee, student, retiree or member of one of the organizations listed on the "How To Join" page, or as a member of the immediate family or household of someone who qualifies. One of the eligible organizations is Tru Direction, Inc., which allows anyone to join with a simple, one-time membership fee.
See current membership details

Related Posts

Elements Financial Offers "Grass Is Greener" 22-Month Certificate - 5/18/2016

Elements Financial has added a 22-month "Grass is Greener" Certificate (1.50% APY). Min deposit is $1k, with a balance cap of $250k per certificate. $1m max per household.

Grass Is Greener Certificate 1.50% APY 22-Month CD From Elements Financial - 5/18/2016

Media Contact Michelle Payne, (317) 997-3900, mpayne@elements.org Embrace the Value You Deserve with our Grass is Greener Certificate FOR IMMEDIATE RELEASE: — Elements Financial is introducing its Grass is Greener Certificate Special on May 18 – a 1.50% APY* 22-Month Certificate with nice, low minimums. Both Traditional and Roth IRA Certificates are included as an option at this same rate and term. This highly competitive offer will be available for a limited time only. The timing of the promotion is perfectly aligned with summertime on the way. Before heavy consumer spending associated with summer vacations and celebrations kicks into gear, it’s a good time to put some cash into competitively-priced and safe certificates. At Elements, we believe there is no better way to improve one’s personal financial wellness than to save. Consumers can open the Grass is Greener Certificate now at [URL="http://www.ele

Elements Financial And Velocity CU CD Promotions - 5/18/2016

A couple of new nationally-available CD promotions some may want to look at: Elements Financial--1.50% APY 22-Month CD Velocity--1.61% APY 33-Month step-up IRA CD (1.56% for 33-month non-IRA step-up CD).

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Reviews (2)

Regarding The HSA

You can have an HSA with ELFCU and then also have an account with TD Ameritrade to invest some of the HSA into the stock market.
The fees:
Need 2,500 minimum to avoid monthly fees.
Every time you want to wire money to and from TD Ameritrade there is a $24 wire fee. So if one were to invest a portion of the HSA in the stock market, one would want to do very few wire transfers. Maybe just one or two over the course of many years.

TDAmeritrade has some no cost ways to buy exchange traded stock index funds.

January 2016 revision. Having the min. $2,500 in the HSA account now only yields a low 0.6% interest rate

Not Happy.....

Posted by: crocpa | May 11, 2016

I tried to open an account with this credit union. The application process was easy. They supposedly do accept out of state members through membership in an association. They turned me down however.



Health
A

Health Grade Components

Overall
NCUA #22468
Year Chartered1976
Employees170
Primary Regulator
Profit Margin
Return on Assets - YTD0.53%
Return on Equity - YTD5.73%
Annual Interest Income$10.5MM
Assets and Liabilities
AssetsQ1 2016vs Q1 2015$1.32B$1.16B
LoansQ1 2016vs Q1 2015$1.00B$830.0MM
DepositsQ1 2016vs Q1 2015$1.10B$1.02B
Equity CapitalQ1 2016vs Q1 2015$116.8MM$108.8MM
Loan Loss AllowanceQ1 2016vs Q1 2015$11.4MM$13.8MM
Unbacked Noncurrent LoansQ1 2016vs Q1 2015$2.6MM$3.6MM
Real Estate OwnedQ1 2016vs Q1 2015$0$0
  User-submitted Promotions & Notices

This section lists recent deals, promotions and rate changes submitted by our community within the past 90 days. Always verify official rates and promotions with the bank or credit union.

Grass Is Greener Certificate 1.50% APY 22-Month CD From Elements Financial

Elements   |  
Media Contact
Michelle Payne, (317) 997-3900, mpayne@elements.org

Embrace the Value You Deserve with our Grass
is Greener Certificate

FOR IMMEDIATE RELEASE: [Indianapolis, Indiana]— Elements Financial is introducing its Grass is Greener Certificate Special on May 18 – a 1.50% APY* 22-Month Certificate with nice, low minimums. Both Traditional and Roth IRA Certificates are included as an option at this same rate and term. This highly competitive offer will be available for a limited time only.

The timing of the promotion is perfectly aligned with summertime on the way. Before heavy consumer spending associated with summer vacations and celebrations kicks into gear, it’s a good time to put some cash into competitively-priced and safe certificates. At Elements, we believe there is no better way to improve one’s personal financial wellness than to save.

Consumers can open the Grass is Greener Certificate now at
elements.org/Green or by calling Elements Member Service at (800) 621-2105. 

More About Elements Financial
Elements Financial is a diversified federal credit union with assets of more than $1 billion and 70,000 members in all 50 states and 40 foreign countries. As a financial wellness provider, Elements serves individuals through our original sponsor Eli Lilly and Company and more than 80 companies across Indiana and nationally. Based on mortgage loans, Elements ranks 7th among all financial institutions in the Indianapolis market. Beyond six Elements branches in Central Indiana, we provide access to more than 5,500 shared branch locations nationally and 72,000 surcharge-free ATMs globally. Elements Wealth Management is a full-service investment management and financial planning firm with $500 million in assets under management. In 2015, our members have saved $15.3 million just by doing business with us**, thanks to great rates and low fees. Join us at elements.org to learn more.
Federally Insured by the NCUA

*Annual Percentage Yield. Rates accurate as of May 18, 2016. Minimum certificate deposit of $1,000.00. Maximum is $250,000 deposit per certificate. Minimum required to open a child’s certificate is $500.00. Child must be under 18 years of age. Maximum is $1 million per household. Minimum of $500
balance required to earn dividends. A penalty will be imposed for withdrawal before maturity. Limited time offer. Elements Financial Membership required. **Competitive Values are estimated by comparing historical rates and fees at Elements Financial and the five banks and credit unions with the largest market share in Central Indiana; data valid as of 8/31/15.

Elements Financial And Velocity CU CD Promotions

ChasR   |  
A couple of new nationally-available CD promotions some may want to look at:


Elements Financial--1.50% APY 22-Month CD

Velocity--1.61% APY 33-Month step-up IRA CD (1.56% for 33-month non-IRA step-up CD).

Rates

Sorry, we do not have rate data for Elements Financial.

Locations


Elements Financial Locations
Branch Office2500 Innovation Way N Bldg CGreenfield, IN 46140
Branch Office1650 Lilly RdLafayette, IN 47909
Branch Office225 S East St Ste 300Indianapolis, IN 46202
Branch Office1400 W Raymond StIndianapolis, IN 46221-2004
Branch Office1200 W Morris StIndianapolis, IN 46221-1710
Branch OfficeBuilding 21/c, DC 2015Indianapolis, IN 46285