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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Elements Financial Federal Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 29, 2026
Elements Financial Federal Credit Union's CD - 13 Month Term rates are at 4.50%, CD - 18 Month Term rates are at 4.50%, CD - 8 Month Term rates are at 4.50%, CD - 6 Month Term rates are at 4.00%, 13 Month Advantage CD rates are at 3.65%. Elements Financial Federal Credit Union's savings rates are at 4.00%. Elements Financial Federal Credit Union's checking rates are as high as 2.00%. Elements Financial Federal Credit Union's Adjustable Rate Mortgage Purchase - 5/5 ARM 30 Year rates are at 6.88%, Fixed-Rate Mortgage Purchase - 15-Year Fixed rates are at 6.75%, Fixed-Rate Mortgage Refinance - 15-Year Fixed rates are at 6.75%, Fixed-Rate Mortgage Purchase - 10-Year Fixed rates are at 6.75%, Fixed-Rate Mortgage Refinance - 10-Year Fixed rates are at 6.75%. Elements Financial Federal Credit Union's CD rates are 16% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 2.46%. Rates last updated and verified on 10/29/2026. 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. Elements Financial Federal Credit Union
Elements-FB 225 S East St
https://www.elements.org Indianapolis, IN 46202  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Elements Financial Federal Credit Union CD Rates
Elements Financial Federal Credit Union Checking Rates
Elements Financial Federal Credit Union Mortgage Rates
Elements Financial Federal Credit Union Other Rates
Financial Health HistoryElements Financial Federal Credit Union’s Texas Ratio rose from 1.09% in Q3 2023 to 2.46% in Q2 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
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates 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
190
Part-Time Employees
1
Branch Locations
5
ATM Locations
4
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.46%
Return on Assets (ROA)
0.7017%
Return on Equity (ROE)
5.8854%
Non-Performing Loans Ratio (NPL)
0.46%
Total Assets
2,504,056,666
Total Amount of Shares and Deposits
1,984,635,408
Total Shares and Deposits < 1 Year
1,954,611,483
Total Shares and Deposits 1 3 Years
26,924,945
Total Shares and Deposits > 3 Years
3,098,980
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
407,521,268
Total Uninsured Shares and Deposits > $250K (F+J)
407,678,285
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,576,957,123
Total Interest Expense (Sum of items 6 8)
25,758,035
Share Certificates
8,223
Number of Accounts for Share Drafts
37,545
IRA KEOGH Accounts
710
Number of Accounts for Regular Shares
113,911
Non Member Deposits
2
Net Income (unless the amount is already included in Undivided Earnings)
17,571,888
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)
100,529,098
Total Liabilities
2,274,313,420
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Elements Financial Federal Credit UnionDoes Elements Financial Federal Credit Union offer CDs?Yes. Elements Financial Federal Credit Union current CD rates include its CD - 13 Month Term at 4.50% APY, its CD - 18 Month Term at 4.50% APY and its CD - 8 Month Term at 4.50% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from Elements Financial Federal Credit Union NCUA insured?Yes. Elements Financial Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Elements Financial Federal Credit Union?The highest Elements Financial Federal Credit Union CD rate is its IRA 13 Month Term CD at 4.50% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does Elements Financial Federal Credit Union offer?Elements Financial Federal Credit Union CD rates are 4.00% APY for a 6 month CD, 4.50% APY for an 8 month CD, 2.50% APY for a 12 month CD, 4.50% APY for a 13 month CD, 4.50% APY for an 18 month CD, 2.25% APY for a 2 year CD and 2.75% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Elements Financial Federal Credit Union for its full lineup. What is the highest savings rate at Elements Financial Federal Credit Union?The highest Elements Financial Federal Credit Union savings rate is its High Yield Savings Plus at 4.00% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest checking rate at Elements Financial Federal Credit Union?The highest Elements Financial Federal Credit Union checking rate is its High Interest Checking at 2.00% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest 30 year fixed mortgage rate at Elements Financial Federal Credit Union?The lowest Elements Financial Federal Credit Union 30 year fixed mortgage rate is its Fixed-Rate Mortgage Purchase - 30-Year Fixed at 7.00%, verified by MonitorBankRates as of October 29, 2026. Elements Financial Federal Credit Union mortgage rates are 7.00% for a 30 year mortgage, 7.00% for a 20 year mortgage, 6.75% for a 15 year mortgage, 6.75% for a 10 year mortgage, 7.25% for a 3/6 ARM, 6.875% for a 5/5 ARM, 6.875% for a 5/6 ARM and 7.125% for a 7/6 ARM. 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. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Elements Financial Federal Credit Union rates compare?Elements Financial Federal Credit Union's CD rates are 16% higher than the MonitorBankRates national average, and it has an A+ health rating. Elements Financial Federal Credit Union's top rates are its IRA 13 Month Term CD at 4.50% APY, its High Yield Savings Plus at 4.00% APY, its High Interest Checking at 2.00% APY and its VA Loan Purchase - 15-Year Fixed at 6.50%, verified by MonitorBankRates on October 29, 2026. Current Elements Financial Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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