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iAdvertiser Disclosure
Advertiser Disclosure
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 Elements Financial Federal Credit Union Rates & Review April 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: April 18, 2026
Elements Financial Federal Credit Union's 8 Month CD rates are at 3.90%, 8-MONTH CD rates are at 3.90%, IRA CDs 8 Month Term rates are at 3.90%, 6 Month CD rates are at 3.65%, IRA CDs 6 Month Term rates are at 3.65%. Elements Financial Federal Credit Union's savings rates are at 0.10%. Elements Financial Federal Credit Union's money market rates are at 0.25%. Elements Financial Federal Credit Union's 5/5 ARM 30 Year rates are at 5.88%, 15-Year Fixed rates are at 5.62%, 15-Year Fixed-Rate Mortgage Refinance rates are at 5.62%, Fixed-Rate Mortgage Purchase rates are at 5.62%, Fixed-Rate Mortgage Refinance rates are at 5.62%. Elements Financial Federal Credit Union's Personal Loan Rates are at 4.94%. 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 2.98%. Rates were last updated on 04/18/2026. 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 
Elements Financial Federal Credit Union CD Rates
Elements Financial Federal Credit Union Savings Rates
Elements Financial Federal Credit Union Money Market Rates
Elements Financial Federal Credit Union Checking Rates
Elements Financial Federal Credit Union Mortgage Rates
Elements Financial Federal Credit Union Home Equity & HELOC
Elements Financial Federal Credit Union Auto Loan Rates
Elements Financial Federal Credit Union Credit Card Rates
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
183
Part-Time Employees
2
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
2.98%
Return on Assets (ROA)
0.9002%
Return on Equity (ROE)
8.6022%
Non-Performing Loans Ratio (NPL)
0.46%
Total Assets
2,442,360,891
Total Amount of Shares and Deposits
2,042,922,147
Total Shares and Deposits < 1 Year
1,995,408,396
Total Shares and Deposits 1 3 Years
44,770,515
Total Shares and Deposits > 3 Years
2,743,235
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
443,565,064
Total Uninsured Shares and Deposits > $250K (F+J)
443,565,064
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,599,357,083
Total Interest Expense (Sum of items 6 8)
44,767,816
Share Certificates
9,968
Number of Accounts for Share Drafts
37,308
IRA KEOGH Accounts
1,321
Number of Accounts for Regular Shares
109,482
All other shares
15,261
Net Income (unless the amount is already included in Undivided Earnings)
21,986,949
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
134,235,929
Total Liabilities
2,236,799,287
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Elements Financial Federal Credit UnionIs Elements Financial Federal Credit Union a safe place to deposit money?Yes, Elements Financial Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 2.9793831056762%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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. Current Elements Financial Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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