What are the current interest rates at Elements Financial Federal Credit Union?

Current rates for Elements Financial Federal Credit Union include: 12-Month CD: 2.50%, 18-Month CD: 4.50%, 24-Month CD: 2.25%, 60-Month CD: 2.75%, Savings: 0.10%

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Elements Financial Federal Credit Union

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Elements Financial Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Elements Financial Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 21, 2026

Elements Financial Federal Credit Union's 13 Month Term IRA rates are at 4.50%, 13 Month Term CD rates are at 4.50%, 18 Month Term IRA rates are at 4.50%, 18 Month Term CD rates are at 4.50%, 8 Month Term IRA rates are at 4.50%. Elements Financial Federal Credit Union's savings rates are at 0.10%. Elements Financial Federal Credit Union's 15-Year Fixed rates are at 6.62%, VA Loan Purchase - 15-Year Fixed rates are at 6.12%, 10-Year Fixed rates are at 6.62%, VA Loan Refinance - 15-Year Fixed rates are at 6.12%, 30-Year Fixed rates are at 7.00%. MonitorBankRates evaluates the financial stability of Elements Financial Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.88%. Rates last updated and verified on 09/21/2026.

Elements Financial Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Elements Financial Federal Credit Union? Share your experience about Elements Financial Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Elements Financial Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.88%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Elements Financial Federal Credit Union
Elements-FB

225 S East St
Indianapolis, IN 46202

https://www.elements.org

Elements Financial Federal Credit Union CD Rates

Product	Rate	APY	Term
13 Month Term IRA	4.35%	4.50%	13 Month Term
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
13 Month Term Share Certificate	4.35%	4.50%	13 months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
18 Month Term IRA	4.35%	4.50%	18 Month Term
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
18 Month Term Share Certificate	4.35%	4.50%	18 months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
8 Month Term IRA	4.35%	4.50%	8 Month Term
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
8 Month Term Share Certificate	4.35%	4.50%	8 months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
6 Month Term IRA	3.87%	4.00%	6 Month Term
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
6 Month Term Share Certificate	3.87%	4.00%	6 months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
13 Month Advantage Certificate	3.54%	3.65%	13 Month Term
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
1 Year Term IRA	2.68%	2.75%	1 Year Term
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
1 Year Term Share Certificate	2.68%	2.75%	1 year
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
5 Year Term IRA	2.68%	2.75%	5 Year Term
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
5 Year Term Share Certificate	2.68%	2.75%	5 years
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
4 Year Term IRA	2.58%	2.65%	4 Year Term
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
4 Year Term Share Certificate	2.58%	2.65%	4 years
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Birthday - 1 Year Term	2.44%	2.50%	1 Year Term
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Graduation - 1 Year Term	2.44%	2.50%	1 Year Term
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Holiday - 1 Year Term	2.44%	2.50%	1 Year Term
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
2 Year Term IRA	2.20%	2.25%	2 Year Term
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
2 Year Term Share Certificate	2.20%	2.25%	2 years
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
3 Year Term IRA	2.20%	2.25%	3 Year Term
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
3 Year Term Share Certificate	2.20%	2.25%	3 years
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%

Elements Financial Federal Credit Union Checking Rates

Product	Rate	APY
High Interest Checking	1.98%	2.00%
Min Balance $0 Details Balance: Balances up to $20,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
High Interest Checking	0.05%	0.05%
Details Non-Qualifying Rate Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%

Elements Financial Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
15-Year Fixed	6.63%	0.000	6.69%	180 months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
VA Loan Purchase - 15-Year Fixed	6.13%	1.375	6.72%	180 months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
10-Year Fixed	6.63%	0.000	6.72%	120 months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
VA Loan Refinance - 15-Year Fixed	6.13%	1.375	6.72%	180 months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
30-Year Fixed	7.00%	-0.250	7.04%	360 months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
20-Year Fixed	7.00%	0.000	7.05%	240 months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
Elements VA Loan	-	-	7.11%
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
VA Loan Purchase - 30-Year Fixed	6.88%	-0.125	7.11%	360 months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
VA Loan Refinance - 30-Year Fixed	6.88%	-0.125	7.11%	360 months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
30-Year Fixed	6.63%	0.000	7.11%	360 months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
30-Year Fixed	7.13%	-0.125	7.17%	360 months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
20-Year Fixed	7.13%	0.000	7.18%	240 months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%

Elements Financial Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
High Yield Savings Plus	-	-	4.00%	8 months
Min Deposit $15,000 Min Balance $15,000 Details High Yield Savings Plus account is a promotional savings account offering a fixed 4.00% 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 September 18, 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. 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. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
High Yield Savings Plus	-	-	2.00%	8 months
Min Deposit $15,000 Min Balance $10,000 Details High Yield Savings Plus account is a promotional savings account offering a fixed 4.00% 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 September 18, 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. 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. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
High Yield Savings Plus	-	-	0.25%	8 months
Min Deposit $15,000 Min Balance $2,500 Details High Yield Savings Plus account is a promotional savings account offering a fixed 4.00% 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 September 18, 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. 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. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%
High Yield Savings Plus	-	-	0.10%	8 months
Min Deposit $15,000 Min Balance $100 Details High Yield Savings Plus account is a promotional savings account offering a fixed 4.00% 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 September 18, 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. 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. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.88%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Elements Financial Federal Credit Union’s Texas Ratio rose from 1.01% in Q2 2023 to 1.88% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$2.5B	1.88%	5.0	A+
December 31, 2025	$2.5B	3.32%	5.0	A+
September 30, 2025	$2.4B	2.79%	5.0	A+
June 30, 2025	$2.5B	2.49%	5.0	A+
March 31, 2025	$2.5B	1.64%	5.0	A+
December 31, 2024	$2.3B	1.90%	5.0	A+
September 30, 2024	$2.3B	1.78%	5.0	A+
June 30, 2024	$2.3B	1.38%	5.0	A+
March 31, 2024	$2.5B	1.28%	5.0	A+
December 31, 2023	$2.3B	1.39%	5.0	A+
September 30, 2023	$2.2B	1.09%	5.0	A+
June 30, 2023	$2.3B	1.01%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Elements Financial Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Elements Financial Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Elements Financial Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Elements Financial Federal Credit Union

Website https://www.elements.org

Address 225 S East St, Indianapolis, IN 46202

Phone 317-524-5076

Fax 317-655-6171

President Mark Saltsgaver

CEO John Huesing

Full-Time Employees 184

Part-Time Employees 1

Branch Locations 5

ATM Locations 4

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.88%

Return on Assets (ROA)

0.2287%

Return on Equity (ROE)

1.9909%

Non-Performing Loans Ratio (NPL)

0.35%

Total Assets

2,495,228,143

Total Amount of Shares and Deposits

2,123,802,026

Total Shares and Deposits < 1 Year

2,081,477,733

Total Shares and Deposits 1 3 Years

37,878,814

Total Shares and Deposits > 3 Years

4,445,478

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

406,151,239

Total Uninsured Shares and Deposits > $250K (F+J)

407,678,285

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,716,123,741

Total Interest Expense (Sum of items 6 8)

13,103,234

Share Certificates

9,247

Number of Accounts for Share Drafts

37,507

IRA KEOGH Accounts

747

Number of Accounts for Regular Shares

111,255

Non Member Deposits

Net Income (unless the amount is already included in Undivided Earnings)

5,707,441

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

159,485,859

Total Liabilities

2,275,267,695

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Elements Financial Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Frequently Asked Questions About Elements Financial Federal Credit Union

How many branches does Elements Financial Federal Credit Union operate?

Elements Financial Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Elements Financial Federal Credit Union?

Yes, to access services at Elements Financial Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Elements Financial Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Elements Financial Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Elements Financial Federal Credit Union offer online and mobile banking?

Most modern institutions like Elements Financial Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.elements.org.