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Higher Deposit Rates, Lower Loan Rates, Fewer Fees.

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Our Most Popular Checking Account

HIGH INTEREST CHECKING

Get More from Your Money 5.00 % APY1 for New Accountholders for 12 Months on Balances up to $20,000

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Home is Where the Heart Is and the Extra Cash

HOME EQUITY LINE OF CREDIT

6-Month Intro Rate 5.99 % APR3
Then as low as 8.50 % Variable APR
on New Home Equity Lines of Credit

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In the Community

Elements Financial Named a Best Place to Work in Indiana

For the 13th time, 元素金融很高兴地宣布，它最近被评为2024年印第安纳州最佳工作场所. This acknowledgment, granted by the Indiana Chamber of Commerce, 强调了元素致力于创造一个专注于员工福祉和发展的工作环境.

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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是礼来公司值得信赖的金融服务合作伙伴. Today we serve the employees of over 150 companies around the U.S.

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A Podcast for Your Financial Life

Better Money with Elements Financial

Better Money with Elements Financial

Welcome to Better Money with Elements Financial, 这是一个播客，我们提供来自财务健康专家的可靠建议，帮助你赚钱——和你的生活——更好. 每周的剧集涵盖了各种话题的对话和特别嘉宾.

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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! 信用合作社是由其成员所有的非营利性金融机构. That means we offer all the same products as a bank, 但我们的利润会以降低费用的形式返还给我们的业主会员, higher savings rates and lower loan rates.

About Elements

As a non-profit, member-owned credit union, 元素金融有能力为我们的会员做一些非常了不起的事情. While offering all the products, services and technologies of a conventional bank, 我们独特的商业模式使我们能够以降低费用的形式将利润返还给我们的会员所有者, higher savings rates and lower loan rates.

可靠性和创新:这对孪生概念协同工作，帮助Elements为会员提供财务健康. 我们实用的财务建议足够可靠，使我们在美国信用合作社中排名前4%.S., with more than 100,000 members and $2.0 billion in assets. 我们的创新精神激励着我们不断为我们的合作伙伴寻找更好、更方便的设施, such as holding financial workshops at their workplaces and online.

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自1930年以来，要素金融联邦信用合作社一直是印第安纳州中部社区的一部分. 我们为90多年来利记app官网中赢得的尊重和声誉感到自豪. 我们也很自豪地为我们的会员提供服务，无论他们走到哪里, with 78,000+ surcharge-free ATMs and 5,000+ shared branches worldwide.

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With digital services in place, we can offer convenience and ‘round-the-clock service through many channels; however, we never want that service to become cold and impersonal. 我们觉得我们已经在Elements找到了正确的公式:通过24/7的人力支持使现代技术个性化. Our purpose is to empower members to achieve financial success, and we have balanced resources to achieve that.

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  1. 1 Promo 5 High Interest Checking (Promo HINT) is a High Interest Checking account with blended rate tiers, 这意味着规定的股息率将支付给每一层的余额部分. Tier 1 earns a promotional 5.00% fixed Annual Percentage Yield (APY) on balances up to $20,000.00 for the first 12 months from the account opening date. *Tier 2 pays a blended APY ranging from 5.00% to 2.02% on balances from $20,000.01 to $50,000.00 and is variable and may change at any time without notice. To earn Tier 1 or Tier 2 dividend rates, 15 qualifying transactions must post per statement cycle on the account. 报表周期包括从上月最后一个营业日到本月最后一个营业日之间的所有交易. 未达到合格交易阈值的账户将获得0.05% APY which is variable and may change at any time. Rates are accurate as of June 1, 2024. 于开户周年月次月的第一天, Promo 5高息支票(Promo HINT) APY将自动转换为当时的非促销高息支票账户APY, APY是可变的，可以随时更改，恕不另行通知. Current High Interest Checking account holders, 优惠四高息支票帐户持有人及任何高息支票帐户于180天内关闭的人士均不符合申请资格. 现有的高息支票帐户不能转换为Promo 5高息支票(Promo HINT)帐户. 每人只限一个Promo 5高息支票(Promo HINT)帐户. Other qualifications may apply. Promotional offer may be discontinued at any time. Only the following are qualifying transactions: 借记卡购买，支票，账单支付，ATM取款和ACH取款. No other transactions qualify. At least one account holder must be at least 18 years old. Fees may reduce earnings.
  2. 2 自2024年6月1日起生效的证书年度百分比收益率(APY) and may change without notice. Fees may reduce earnings. Penalty for early withdrawal. *Limited Time Certificates Special — Limited-time offer may be withdrawn at any time. Unless redeemed, upon maturity, the 8-month certificate will automatically reinvest into a 6-month certificate at the then current APY; the 13-month certificate will automatically reinvest into a 12-month certificate at the then current APY; the 18-month certificate will automatically reinvest into an 18-month certificate at the then current APY.
  3. 3 Rates are based on an evaluation of credit history, combined loan-to-value ratio, loan term, and occupancy, so your rate may differ. Not all applicants will qualify for the displayed lowest rates. The term is 25 years, 包括10年只付息的提款期和15年本金加利息的还款期, which may increase your monthly payments. The Introductory Annual Percentage Rate (APR) of 5.99%只适用于新的房屋净值信贷额度，并且只适用于前六个月. HELOC modifications, 使用同一物业的续订和增加不被视为新的，也不符合介绍性费率. To receive the Introductory rate, a draw of at least $10,000 must be made within 30 days of account opening. After the introductory rate expires, 余额将根据《利记app官网》公布的优惠利率加上保证金，按可变年利率收取. The APR will never be lower than 3.75% or higher than 18%. The stated rate, correct as of June 1, 2024, applies to borrowers with credit scores of 730 or greater, CLTV 80% or less, and owner-occupied single-family residences. Elements Financial将有条件地免除与您的房屋净值信贷额度相关的以下交割费用:洪水认证, title search or title abstract, credit report, recording fees, and a simple valuation. 您可能需要支付其他费用，如税收，以及必要时的评估费. However, 如果您关闭您的房屋净值信贷额度后36个月内，它是开放的, 贵方将被要求按最初豁免的交割费用金额支付提前交割费. These costs vary by state and property type. Elements Financial保留随时修改或终止此优惠的权利. Additional terms and conditions may apply. Subject to credit approval. Elements Financial Membership Required.