Elements Financial Federal Credit Union CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Elements Financial Federal Credit Union12-month CD rates can be found at 1.50%, 6-month CD rates at 0.05% and 3-month CD rates at 0.40%. Savings rates are at 1.50% and money market rates are at 0.05%. Mortgage rates on 30-year fixed loans are around 6.85%. Credit Card rates are at 15.25%. Personal Loan rates are at 18.00%. All these rates, and more, can be found in our database of rates which you can compare to Elements Financial Federal Credit Union rates.

Compare Elements Financial Federal Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of Elements Financial Federal Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates.

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 CD rates or 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.

Overall, Elements Financial Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
N/A
18-Month CD
N/A
24-Month CD
N/A
36-Month CD
N/A
48-Month CD
N/A
60-Month CD
N/A
Savings
N/A
MMA
N/A
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
Elements Financial Federal Credit Union
Elements FB
225 S East St
Indianapolis, IN 46202
Member NCUA
MonitorBankRates' Rating
5/5
★★★★★

Compare Elements Financial Federal Credit Union Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
Susser Bank
Susser Bank
6-Month CD
4.35%
$1,000
My eBanc, a division of Bradesco Bank
My eBanc, a division of Bradesco Bank
SuperSaver Money Market (Jumbo)
4.25%
$100,000
Port Richmond Savings
Port Richmond Savings
36-Month CD
3.75%
$500
Vermont State Bank
Vermont State Bank
18-Month CD
3.56%
$500
West Pointe Bank
West Pointe Bank
60-Month CD
3.56%
$500
FCN Bank, N.A.
FCN Bank, N.A.
15-Month CD
3.55%
$1,000
Manasquan Bank
Manasquan Bank
12-Month CD
3.50%
$500
Marion County State Bank
Marion County State Bank
18-Month CD
3.50%
$1,000
First Bank Hampton
First Bank Hampton
60-Month CD
3.45%
$1,000
Fayette Savings Bank, SSB
Fayette Savings Bank, SSB
18-Month CD
3.30%
$1,000
Haviland State Bank
Haviland State Bank
24-Month CD
3.30%
$500
Peoples Savings Bank Urbana OH
Peoples Savings Bank Urbana OH
6-Month CD
3.30%
$500
Pioneer Bank Mapleton, MN
Pioneer Bank Mapleton, MN
18-Month CD
3.25%
$500
Citizens State Bank Somerville, TX
Citizens State Bank Somerville, TX
18-Month CD
3.03%
$1,000
First National Bank in Marlow
First National Bank in Marlow
24-Month CD
3.01%
$500
Peoples Bank of Kankakee County
Peoples Bank of Kankakee County
18-Month CD (Flex)
3.00%
$250
Harford Bank
Harford Bank
48-Month CD (Step-Up)
2.75%
$1,000
Homewood Federal SB
Homewood Federal SB
60-Month CD
2.75%
$500
First Federal Bank Littlefield, Texas
First Federal Bank Littlefield, Texas
18-Month CD
2.68%
$1,000
Marquette Savings Bank
Marquette Savings Bank
60-Month CD
2.52%
$500
Bank of Wolcott
Bank of Wolcott
48-Month CD
2.25%
$1,000
Capon Valley Bank
Capon Valley Bank
24-Month CD
1.76%
$500
OSB Odin State Bank
OSB Odin State Bank
24-Month CD
1.76%
$10,000
The Citizens Bank Company
The Citizens Bank Company
24-Month CD
1.46%
$1,000
First Mutual Bank, FSB
First Mutual Bank, FSB
36-Month CD
1.35%
$500
The Alden State Bank
The Alden State Bank
Kasasa Savings
1.25%
$25
United Minnesota Bank
United Minnesota Bank
24-Month CD
1.10%
$500
Bank of 1889
Bank of 1889
36-Month CD
1.00%
$500
First Bank Waverly, IA
First Bank Waverly, IA
Grow With Me Savings
1.00%
$0
Midland Community Bank
Midland Community Bank
12-Month CD
0.80%
$1,000
Citizens Bank Mooresville, IN
Citizens Bank Mooresville, IN
12-Month CD
0.75%
$500
FSB Louise, TX
FSB Louise, TX
Money Market
0.75%
$2,500
Rondout Savings Bank
Rondout Savings Bank
48-Month CD
0.65%
$500
Magnolia Bank Elizabethtown, KY
Magnolia Bank Elizabethtown, KY
60-Month CD
0.60%
$500
Queenstown Bank
Queenstown Bank
60-Month CD
0.55%
$500
Kearny Bank
Kearny Bank
36-Month CD
0.55%
$500
Farmers State Bank Center, TX
Farmers State Bank Center, TX
Super NOW Checking
0.50%
$2,000
Ballston Spa National Bank
Ballston Spa National Bank
30-Month CD
0.45%
$500
Fayetteville Bank
Fayetteville Bank
Savings
0.43%
$100
Sugar River Bank
Sugar River Bank
24-Month CD
0.40%
$500
Citizens Bank Mooresville, IN
Citizens Bank Mooresville, IN
Money Market
0.40%
$50,000
Verus Bank of Commerce
Verus Bank of Commerce
48-Month CD
0.30%
$1,000
Nebraska Bank of Commerce
Nebraska Bank of Commerce
Money Market
0.25%
$1,000
North Brookfield SB
North Brookfield SB
12-Month CD
0.25%
$500
Connection Bank
Connection Bank
Savings
0.15%
$100
Texas National Bank of Jacksonville
Texas National Bank of Jacksonville
Fixed Rate Money Market
0.15%
$2,500
First National Bank of Shiner
First National Bank of Shiner
Money Market
0.15%
$100
Sturdy Savings Bank
Sturdy Savings Bank
60-Month CD
0.13%
$500
First Security State Bank Evansdale, IA
First Security State Bank Evansdale, IA
First Choice Checking
0.10%
$1,000
Regions Bank
Regions Bank
Savings
0.01%
$0
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare Elements Financial Federal Credit Union Mortgage Rates with Lenders Rates for Fixed and Adjustable Mortgages

Lender
Product
Rate
APR
Points
1st Northern California Credit Union
1st Northern California Credit Union
7-Year Fixed
3.990%
4.357%
0.750
Hawaii State Federal Credit Union
Hawaii State Federal Credit Union
15 Year Fixed
5.500%
5.892%
2.000
Nuvision Federal Credit Union
Nuvision Federal Credit Union
15-Year Fixed
5.625%
5.929%
1.125
Honda Federal Credit Union
Honda Federal Credit Union
10 Year Fixed
5.875%
6.090%
0.000
Navy Federal Credit Union
Navy Federal Credit Union
5/5 Jumbo ARM
5.750%
6.104%
0.250
Rhinebeck Bank
Rhinebeck Bank
15-Year Fixed
6.000%
6.109%
0.625
Teachers Federal Credit Union
Teachers Federal Credit Union
15-Year Fixed (Jumbo)
6.125%
6.140%
0.000
Spire Credit Union
Spire Credit Union
10/1 ARM (Jumbo)
6.625%
6.146%
0.000
Aberdeen Proving Ground FCU
Aberdeen Proving Ground FCU
20-Year Fixed
6.000%
6.152%
0.125
Northwest Community Bank
Northwest Community Bank
15-Year Fixed
6.000%
6.181%
0.000
JTNB
JTNB
20-Year Fixed
6.100%
6.191%
0.000
Hatboro Federal Savings
Hatboro Federal Savings
30-Year Fixed
6.000%
6.238%
2.000
Empower Federal Credit Union
Empower Federal Credit Union
10/1 ARM
6.125%
6.267%
0.000
Citizens State Bank Cadott, WI
Citizens State Bank Cadott, WI
15-Year Fixed
6.000%
6.290%
0.000
Golden Belt Bank, FSA
Golden Belt Bank, FSA
15-Year Fixed
6.250%
6.305%
0.000
Midwest Liberty Federal Credit Union
Midwest Liberty Federal Credit Union
10 Year Fixed
5.875%
6.308%
0.000
First National Bank of Hutchinson
First National Bank of Hutchinson
15-Year Fixed
6.125%
6.324%
0.000
Greenville National Bank
Greenville National Bank
5-Year ARM
6.250%
6.331%
0.000
Spire Credit Union
Spire Credit Union
15 Year Fixed
6.125%
6.339%
0.000
Truliant Federal Credit Union
Truliant Federal Credit Union
15-Year Fixed
6.375%
6.650%
0.000
Mid Oregon Federal Credit Union
Mid Oregon Federal Credit Union
30 Year Fixed
6.500%
6.670%
0.250
Sikorsky Credit Union
Sikorsky Credit Union
20-Year Fixed
6.625%
6.671%
0.000
Stanford Federal Credit Union
Stanford Federal Credit Union
10/6 ARM
6.375%
6.709%
0.000
Addition Financial Credit Union
Addition Financial Credit Union
30-Year Fixed
6.625%
6.739%
0.000
Teachers Federal Credit Union
Teachers Federal Credit Union
5/6 ARM (Jumbo)
5.750%
6.740%
0.000
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Compare Elements Financial Federal Credit Union Credit Cards with Other Competitive Bank and Credit Union Credit Cards

Institution
Product
APR
Notes
Teachers Federal Credit Union
Teachers Federal Credit Union
Visa Secured
18.000%
ACMG Federal Credit Union
ACMG Federal Credit Union
VISA Platinum with Rewards
8.900%
Suncoast Credit Union
Suncoast Credit Union
Rewards Platinum VISA
12.500%
Credit Limit - $500 - $50,000
Vystar Credit Union
Vystar Credit Union
Savings Secured Visa®
18.000%
Mountain America Federal Credit Union
Mountain America Federal Credit Union
Cash Back Credit Card
17.740%
Automatically get 1.5% cash back on all purchases with no fuss
Security Service Federal Credit Union
Security Service Federal Credit Union
Security Service Power Rewards MasterCard
18.000%
Abbott Laboratories Credit Union
Abbott Laboratories Credit Union
Visa Signature Rewards
17.200%
Introductory rate of 0% APR for the first twelve months on balance transfers and cash purchases.
Canyon View Credit Union
Canyon View Credit Union
Visa Crimson Rewards Card
13.740%
Teachers Federal Credit Union
Teachers Federal Credit Union
Visa Student
14.000%
Abri Credit Union
Abri Credit Union
Platinum Rewards Visa
15.400% - 24.400%
Earn 1 point for every purchase dollar spent. 12 Month Balance Transfer Rate 0%
America First Federal Credit Union
America First Federal Credit Union
PLATINUM REWARDS VISA
14.740%
Y-12 Federal Credit Union
Y-12 Federal Credit Union
VISA Signature Rewards
16.740% - 18.000%
Aberdeen Proving Ground FCU
Aberdeen Proving Ground FCU
Visa Platinum Preferred Rewards
15.740% - 17.990%
SchoolsFirst Federal Credit Union
SchoolsFirst Federal Credit Union
Rewards Mastercard
15.000% - 17.900%
Maximum Loan Amount Up to $35,000.00
Academic Federal Credit Union
Academic Federal Credit Union
Academic VISA® Classic
15.400%
Security Service Federal Credit Union
Security Service Federal Credit Union
Security Service Power Cash Back World MasterCard
16.950% - 18.000%
1st United Credit Union
1st United Credit Union
Visa Platinum Rewards
14.900%
LMCU Lake Michigan Credit Union
LMCU Lake Michigan Credit Union
Prime Platinum Visa Credit Card
11.500%
The Golden 1 Credit Union
The Golden 1 Credit Union
Member Cash Rewards+ VISA
17.040% - 23.040%
Maximize rewards with increased cash back on everyday purchases – with up to 4% cash back on gas purchases. Plus, 3% on groceries, restaurants, and food delivery with 1% on everything else.
705 Federal Credit Union
705 Federal Credit Union
VISA Credit Card
7.900% - 15.900%
Maximum credit card amount offered is $10,000 with a 36-month term.
Suncoast Credit Union
Suncoast Credit Union
Rewards Classic Starter VISA
16.500%
Credit Limit - $300 - $500
Y-12 Federal Credit Union
Y-12 Federal Credit Union
VISA Secured
18.000%
America First Federal Credit Union
America First Federal Credit Union
SIGNATURE 1% CASH BACK VISA
14.740%
Unlimited 1% Cash Back Signature Card
ABNB Federal Credit Union
ABNB Federal Credit Union
ABNB VISA Signature
14.740% - 17.740%
No annual fees or cash advance fees. Rates may vary depending on credit worthiness.
ACFCU
ACFCU
Reserve Rewards+ Card Visa
19.740% - 29.740%
Enjoy premium rewards and benefits, plus receive a $500 bonus.
Show More

The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed.

Compare Elements Financial Federal Credit Union Personal Loans with Other Competitive Bank and Credit Union Personal Loans

Institution
Product
APR
Loan Amt
Loan Term Months
600 Atlantic Federal Credit Union
600 Atlantic Federal Credit Union
Signature Personal Loan
12.650%
$0 - $15,000
1 - 36
Randolph Brooks FCU
Randolph Brooks FCU
Signature Personal Loan
12.150% - 18.000%
$0
49 - 60P
Acadian Federal Credit Union
Acadian Federal Credit Union
Open-End Unsecured Signature Loan-Line of Credit
10.200%
$0
Academic Employees Credit Union
Academic Employees Credit Union
Personal Loan
10.500%
$0 - $5,000
24 - 36
Acme Continental Credit Union
Acme Continental Credit Union
Signature Loan
8.950%
$0
1 - 60
Access Credit Union Bristol Pa Credit Union
Access Credit Union Bristol Pa Credit Union
Personal Loans
7.990%
$0 - $30,000
Vystar Credit Union
Vystar Credit Union
Personal Loans
13.250%
$0
6184
4U Federal Credit Union
4U Federal Credit Union
Personal Loan
10.650%
$0
Academic Federal Credit Union
Academic Federal Credit Union
Signature Loan
7.000%
$500 - $15,000
60
Alec Federal Credit Union
Alec Federal Credit Union
Refinanced Signature Loans
18.000%
$0
1st Valley Credit Union
1st Valley Credit Union
Next Step Loan
10.500%
$0
Academic Federal Credit Union
Academic Federal Credit Union
Debt Consolidation Loan
9.000%
$0
108
Academic Employees Credit Union
Academic Employees Credit Union
Personal Line of Credit
9.500%
$0
Abilene Teachers Federal Credit Union
Abilene Teachers Federal Credit Union
Consumer Loan
10.250% - 17.950%
$0
1 - 36
Act 1st Federal Credit Union
Act 1st Federal Credit Union
Signature Loan
10.000%
$0
12 - 12
Vystar Credit Union
Vystar Credit Union
Personal Loans
11.000%
$0
37 - 60
Aberdeen Proving Ground FCU
Aberdeen Proving Ground FCU
Personal Loan Rates
5.740%
$0
1 - 36
1st University Credit Union
1st University Credit Union
Unsecured Signature Loan
9.250%
$0
1 - 24
The Golden 1 Credit Union
The Golden 1 Credit Union
Personal Line of Credit
13.040%
$0
SchoolsFirst Federal Credit Union
SchoolsFirst Federal Credit Union
Payroll Savings Loan
17.900%
$0 - $500
Mountain America Federal Credit Union
Mountain America Federal Credit Union
Personal Loan
13.740%
$0
60
AAEC Credit Union
AAEC Credit Union
Education (tuition bill required)
8.250%
$0
60
AHE Plant 3 Federal Credit Union
AHE Plant 3 Federal Credit Union
Unsecured (Signature) Loan
11.000%
$0 - $500
Accentra Credit Union
Accentra Credit Union
Personal Loan
11.760%
$0
Access Of Louisiana Federal Credit Union
Access Of Louisiana Federal Credit Union
Personal Loan
9.200% - 17.950%
$0 - $100
12 - 24
Show More

The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed.

Our apologies, we do not have Elements Financial Federal Credit Union rate data right now, check back for updates, we are adding rates all the time.

Elements Financial Federal Credit Union Information

Credit Union Name: Elements Financial Federal Credit Union
Full Time Employees: 196
Part Time Employees: 1
President: Mark Saltsgaver
CEO: John Huesing
Branch Locations: 4
ATM Locations: 3
Corporate Office Address:
225 S East St
Indianapolis, IN 46202
Phone Number: 317-524-5076
Fax Number: 317-655-6171

Elements Financial Federal Credit Union Financials

Total Assets:
2,455,705,744
Total Amount of Shares and Deposits:
2,082,329,335
Total Shares and Deposits < 1 Year:
1,991,344,935
Total Shares and Deposits 1 3 Years:
34,322,056
Total Shares and Deposits > 3 Years:
56,662,344
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
338,805,608
Total Uninsured Shares and Deposits > $250K (F+J):
338,805,608
Total Insured Shares and Deposits > $250K (item 17 less item K):
1,743,523,727
Total Interest Expense (Sum of items 6 8):
15,762,092
Share Certificates:
10,475
Number of Accounts for Share Drafts:
38,659
IRA KEOGH Accounts:
1,297
Number of Accounts for Regular Shares:
112,374
All other shares:
14,923
Non Member Deposits:
6
Net Income (unless the amount is already included in Undivided Earnings):
3,630,893
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
219,098,780
Total Liabilities:
2,310,211,961
Show More

Elements Financial Federal Credit Union Questions and Answers

No Cost Share Drafts:
No
Share Certificates with Low Minimum Balance Requirements:
No
Is Financial Counseling Offered?:
Yes
Financial Education offered for Members?:
Yes
Are financial literacy Workshops offered?:
Yes
Is there a first time homebuyer program?:
Yes
Credit management and repair offered?:
No
Online Financial Literacy?:
No
No Cost Bill Payer:
Yes
PALs II (FCU Only):
1
Payday Alternative Loans (PAL loans) (FCU Only):
1
Mortgage Processing:
Yes
Approved Mortgage Seller?:
Yes
Brokered Deposits (All deposits acquired through a third party):
1
payment:
Yes
Are low cost wire transfers available?:
Yes
Member Application:
Yes
Are New Loans Available:
Yes
New Share Account:
Yes
Are online loan payments available:
Yes
Online Bill Payment Allowed?:
Yes
Can I download my account history?:
No
Electronic Signature Authentication Certification:
Yes
Can I get my bank statements online?:
Yes
External Account Transfers Allowed:
Yes
Remote Deposit Allowed:
Yes
Are Mobile Payments Avilable?:
Yes
Show More
Source: NCUA Last Updated 03/31/2024

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earn.bank money market ratesearn.bank's money market rate is currently one of the best money market rates available on our rate list. Their current money market rate is at 2.23 percent with an APY of 2.25 percent. You can earn that rate and yield from earn.bank on all account balances over $10,000.
Home mortgage rates and adjustable mortgage rates are mostly higher this week over last week. Home mortgage rates will start heading down again when the Fed's purchases of Treasuries forces interest rates down. Right now fixed conforming 30 year mortgage rates are averaging 4.38 percent, up from last week’s average 30 year mortgage rate of 4.26 percent. 30 year conventional home mortgage rates and refinancing rates in New York are higher than the national average 30 year mortgage rate. Current 30 year New York mortgage rates are averaging 4.56 percent..
mortgage-rates-soar-30-year-mortgage-rates-at-531Mortgage rates soared higher in the latest mortgage survey released this morning. The average contract 30 year mortgage rate is now at 5.31 percent, up considerably from last week's average mortgage rate of 5.04 percent. Average mortgage discount points decreased to 0.64 points from 1.07 points according to the Mortgage Bankers Association's Weekly Mortgage Applications Survey.

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Elements Financial Federal Credit Union Reviews

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