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: 4.00%

MonitorBankRates

☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

Home›
Credit Unions›
Elements Financial Federal Credit Union

iAdvertiser Disclosure

Elements Financial Federal Credit Union Rates & Review October 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: October 13, 2026

Elements Financial Federal Credit Union's top rates as of October 13, 2026 are 4.50% APY on its IRA 13 Month Term CD, 4.00% APY on savings, 2.00% APY on checking, and 6.50% on its VA Loan Purchase - 15-Year Fixed mortgage, according to rates verified by MonitorBankRates. Other Elements Financial Federal Credit Union CD rates include IRA 18 Month Term at 4.50%, IRA 8 Month Term at 4.50%, and CD 13 Month Term at 4.50%. Other Elements Financial Federal Credit Union mortgage rates include Fixed-Rate Mortgage Purchase - 15-Year Fixed at 6.88%, Fixed-Rate Mortgage Refinance - 15-Year Fixed at 6.88%, and Fixed-Rate Mortgage Purchase - 10-Year Fixed at 6.88%. 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 10/13/2026.

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 Q2 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

2.46%

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

Customer Reviews

Be the first to review

Write a Review

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

Product	Rate	APY	Term
IRA 13 Month Term	-	4.50%	13 Month
Min Deposit $1,000 Min Balance $500 Details Traditional and Roth IRA; APY effective as of October 1, 2026; Primary members under 18 must have a $500 minimum deposit to open; 13-month IRA automatically reinvests into a 12-month IRA at then current APY unless redeemed Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
IRA 18 Month Term	-	4.50%	18 Month
Min Deposit $1,000 Min Balance $500 Details Traditional and Roth IRA; APY effective as of October 1, 2026; Primary members under 18 must have a $500 minimum deposit to open Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
IRA 8 Month Term	-	4.50%	8 Month
Min Deposit $1,000 Min Balance $500 Details Traditional and Roth IRA; APY effective as of October 1, 2026; Primary members under 18 must have a $500 minimum deposit to open; 8-month IRA automatically reinvests into a 6-month IRA at then current APY unless redeemed Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
Share Certificate 13 Month Term	-	4.50%	13 Month
Min Deposit $1,000 Min Balance $500 Details Primary members under 18: $500 minimum deposit to open; APY effective as of October 1, 2026 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25% Oct 13, 20264.50%▲ from 4.25% Sep 14, 20264.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
Share Certificate 18 Month Term	-	4.50%	18 Month
Min Deposit $1,000 Min Balance $500 Details Primary members under 18: $500 minimum deposit to open; APY effective as of October 1, 2026 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25% Oct 13, 20264.50%▲ from 4.25% Sep 14, 20264.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
Share Certificate 8 Month Term	-	4.50%	8 Month
Min Deposit $1,000 Min Balance $500 Details Primary members under 18: $500 minimum deposit to open; APY effective as of October 1, 2026 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25% Oct 13, 20264.50%▲ from 4.25% Sep 14, 20264.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
IRA 6 Month Term	-	4.00%	6 Month
Min Deposit $1,000 Min Balance $500 Details Traditional and Roth IRA; APY effective as of October 1, 2026; Primary members under 18 must have a $500 minimum deposit to open Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
Share Certificate 6 Month Term	-	4.00%	6 Month
Min Deposit $1,000 Min Balance $500 Details Primary members under 18: $500 minimum deposit to open; APY effective as of October 1, 2026 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75% Oct 13, 20264.00%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
Advantage Certificate - 13 Month Term	3.54%	3.65%	13 Month
Min Deposit $1,000 Min Balance $500 Details Primary members under 18 need $500 minimum deposit to open; one additional deposit allowed within first six months, up to initial deposit amount; maximum three Advantage Certificates per household; automatically renews into 1 year share certificate; penalty for early withdrawal Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
IRA 1 Year Term	2.68%	2.75%	1 Year
Min Deposit $1,000 Min Balance $500 Details Traditional and Roth IRA; APY effective as of October 1, 2026; Primary members under 18 must have a $500 minimum deposit to open Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
IRA 5 Year Term	2.68%	2.75%	5 Year
Min Deposit $1,000 Min Balance $500 Details Traditional and Roth IRA; APY effective as of October 1, 2026; Primary members under 18 must have a $500 minimum deposit to open Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
Share Certificate 1 Year Term	2.68%	2.75%	1 Year
Min Deposit $1,000 Min Balance $500 Details Primary members under 18: $500 minimum deposit to open; APY effective as of October 1, 2026 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 2.50% → 2.75% ▲ 0.25 pts · high 2.75% / low 2.50% Oct 13, 20262.75%▲ from 2.50% Sep 14, 20262.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
Share Certificate 5 Year Term	2.68%	2.75%	5 Year
Min Deposit $1,000 Min Balance $500 Details Primary members under 18: $500 minimum deposit to open; APY effective as of October 1, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
IRA 4 Year Term	2.58%	2.65%	4 Year
Min Deposit $1,000 Min Balance $500 Details Traditional and Roth IRA; APY effective as of October 1, 2026; Primary members under 18 must have a $500 minimum deposit to open Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.65% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
Share Certificate 4 Year Term	2.58%	2.65%	4 Year
Min Deposit $1,000 Min Balance $500 Details Primary members under 18: $500 minimum deposit to open; APY effective as of October 1, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
1 Year Youth Share Certificates - Birthday	2.44%	2.50%	1 Year
Min Deposit $100 Min Balance $100 Details Youth certificate for ages 24 and under; Maximum balance $20,000.00; Minimum $100 balance to earn dividends Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
1 Year Youth Share Certificates - Graduation	2.44%	2.50%	1 Year
Min Deposit $100 Min Balance $100 Details Youth certificate for ages 24 and under; Maximum balance $20,000.00; Minimum $100 balance to earn dividends Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
1 Year Youth Share Certificates - Holiday	2.44%	2.50%	1 Year
Min Deposit $100 Min Balance $100 Details Youth certificate for ages 24 and under; Maximum balance $20,000.00; Minimum $100 balance to earn dividends Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
IRA 2 Year Term	2.20%	2.25%	2 Year
Min Deposit $1,000 Min Balance $500 Details Traditional and Roth IRA; APY effective as of October 1, 2026; Primary members under 18 must have a $500 minimum deposit to open Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
IRA 3 Year Term	2.20%	2.25%	3 Year
Min Deposit $1,000 Min Balance $500 Details Traditional and Roth IRA; APY effective as of October 1, 2026; Primary members under 18 must have a $500 minimum deposit to open Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
Share Certificate 2 Year Term	2.20%	2.25%	2 Year
Min Deposit $1,000 Min Balance $500 Details Primary members under 18: $500 minimum deposit to open; APY effective as of October 1, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
Share Certificate 3 Year Term	2.20%	2.25%	3 Year
Min Deposit $1,000 Min Balance $500 Details Primary members under 18: $500 minimum deposit to open; APY effective as of October 1, 2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%

Elements Financial Federal Credit Union Checking Rates

Product	Rate	APY	View More
High Interest Checking	1.98%	2.00%
Min Balance $0 Details Qualifications Required: 15 qualifying transactions per statement cycle; debit card purchases, checks, bill payments, ATM withdrawals, ACH withdrawals; at least one account holder must be at least 18 years old; Balance: Balances up to $20,000; Qualifying balance up to $20,000.00 Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 2.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%

Elements Financial Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Fixed-Rate Mortgage Purchase - 15-Year Fixed	6.875%	0.000	6.941%	180 months
No additional details. Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.94% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
Fixed-Rate Mortgage Refinance - 15-Year Fixed	6.875%	0.000	6.941%	180 months
Details Refinance; available to credit scores 780+ and 75% LTV; Indiana properties Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.94% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
Fixed-Rate Mortgage Purchase - 10-Year Fixed	6.875%	0.000	6.968%	120 months
No additional details. Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.97% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
Fixed-Rate Mortgage Refinance - 10-Year Fixed	6.875%	0.000	6.968%	120 months
Details Refinance; available to credit scores 780+ and 75% LTV; Indiana properties Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.97% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
Adjustable Rate Mortgage (ARM) - 5/6 ARM 30 Year	7.25%	0.000	7.069%	30 years
Details Initial Monthly Payment (Months 1-60): $2,046.53; Maximum Monthly Payment (Months 61-360): $2,410.00 Last Updated 10/13/2026 Rate History 1 change since Oct 9, 2026 · 6.99% → 7.07% ▲ 0.08 pts · high 7.07% / low 6.99% Oct 13, 20267.07%▲ from 6.99% Oct 9, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
The 5/6 ARM product listed above - 5/6 ARM 30 Year	7.25%	0.000	7.069%	30 years
Details Initial Monthly Payment (Months 1-60): $2,046.53; Maximum Monthly Payment (Months 61-360): $2,410.00; Rates for credit scores 780+ and 75% LTV, Indiana properties Last Updated 10/13/2026 Rate History 1 change since Oct 9, 2026 · 6.99% → 7.07% ▲ 0.08 pts · high 7.07% / low 6.99% Oct 13, 20267.07%▲ from 6.99% Oct 9, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
Adjustable Rate Mortgage (ARM) - 3/6 ARM 30 Year	7.625%	0.000	7.115%	30 years
Details Initial Monthly Payment (Months 1-36): $2,123.38; Maximum Monthly Payment (Months 37-360): $2,522.00 Last Updated 10/13/2026 Rate History 1 change since Oct 9, 2026 · 7.02% → 7.12% ▲ 0.09 pts · high 7.12% / low 7.02% Oct 13, 20267.12%▲ from 7.02% Oct 9, 20267.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
The 5/6 ARM product listed above - 3/6 ARM 30 Year	7.625%	0.000	7.115%	30 years
Details Initial Monthly Payment (Months 1-36): $2,123.38; Maximum Monthly Payment (Months 37-360): $2,522.00; Rates for credit scores 780+ and 75% LTV, Indiana properties Last Updated 10/13/2026 Rate History 1 change since Oct 9, 2026 · 7.02% → 7.12% ▲ 0.09 pts · high 7.12% / low 7.02% Oct 13, 20267.12%▲ from 7.02% Oct 9, 20267.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
VA Loan Purchase - 15-Year Fixed	6.50%	1.750	7.162%	180 months
Details Available to credit scores 780+ and 100% LTV; Indiana properties Last Updated 10/13/2026 Rate History No change since Oct 2, 2026 · 7.16% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
VA Loan Refinance - 15-Year Fixed	6.50%	1.750	7.165%	180 months
Details Refinance rates effective as of October 11, 2026; available to borrowers with credit scores 780 or greater and 90% LTV; based on loans secured by property in Indiana Last Updated 10/13/2026 Rate History No change since Oct 2, 2026 · 7.17% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
Adjustable Rate Mortgage (ARM) - 7/6 ARM 30 Year	7.50%	0.000	7.25%	30 years
Details Initial Monthly Payment (Months 1-84): $2,097.64; Maximum Monthly Payment (Months 85-360): $2,438.00 Last Updated 10/13/2026 Rate History 1 change since Oct 9, 2026 · 7.19% → 7.25% ▲ 0.06 pts · high 7.25% / low 7.19% Oct 13, 20267.25%▲ from 7.19% Oct 9, 20267.19%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
The 5/6 ARM product listed above - 7/6 ARM 30 Year	7.50%	0.000	7.25%	30 years
Details Initial Monthly Payment (Months 1-84): $2,097.64; Maximum Monthly Payment (Months 85-360): $2,438.00; Rates for credit scores 780+ and 75% LTV, Indiana properties Last Updated 10/13/2026 Rate History 1 change since Oct 9, 2026 · 7.19% → 7.25% ▲ 0.06 pts · high 7.25% / low 7.19% Oct 13, 20267.25%▲ from 7.19% Oct 9, 20267.19%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
Adjustable Rate Mortgage (ARM) - 5/5 ARM 30 Year	7.25%	0.000	7.292%	30 years
Details Initial Monthly Payment (Months 1-60): $2,046.53; Maximum Monthly Payment (Months 61-360): $2,370.00 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 7.29% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
Fixed-Rate Mortgage Purchase - 30-Year Fixed	7.25%	0.000	7.292%	360 months
No additional details. Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.29% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
The 5/6 ARM product listed above - 5/5 ARM 30 Year	7.25%	0.000	7.292%	30 years
Details Initial Monthly Payment (Months 1-60): $2,046.53; Maximum Monthly Payment (Months 61-360): $2,370.00; Rates for credit scores 780+ and 75% LTV, Indiana properties Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 7.29% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
Fixed-Rate Mortgage Purchase - 20-Year Fixed	7.375%	-0.375	7.429%	240 months
No additional details. Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.43% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
Fixed-Rate Mortgage Refinance - 30-Year Fixed	7.50%	-0.375	7.542%	360 months
Details Refinance; available to credit scores 780+ and 75% LTV; Indiana properties Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.54% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
Fixed-Rate Mortgage Refinance - 20-Year Fixed	7.50%	-0.250	7.555%	240 months
Details Refinance; available to credit scores 780+ and 75% LTV; Indiana properties Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.56% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
USDA Loan - 30-Year Fixed	7.125%	-0.250	7.612%	360 months
Details Available to borrowers with credit scores 780 or greater and 100% LTV; based on loans secured by property in Indiana Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.61% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
VA Loan Purchase - 30-Year Fixed	7.50%	-0.375	7.74%	360 months
Details Available to credit scores 780+ and 100% LTV; Indiana properties Last Updated 10/13/2026 Rate History No change since Sep 25, 2026 · 7.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%
VA Loan Refinance - 30-Year Fixed	7.50%	-0.375	7.741%	360 months
Details Refinance rates effective as of October 11, 2026; available to borrowers with credit scores 780 or greater and 90% LTV; based on loans secured by property in Indiana Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 6.98% → 7.74% ▲ 0.76 pts · high 7.74% / low 6.98% Sep 29, 20267.74%▲ from 7.11% Sep 18, 20267.11%▲ from 6.98% Sep 14, 20266.98%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%

Elements Financial Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
High Yield Savings Plus	-	-	4.00%	8 months
Min Balance $15,000 Details Promotional 4.00% APY for first 8 months on balances of $15,000.00 or more; requires $15,000.00 in new money deposits; Balance: $15,000.00 and over; At least one account holder must be 18 years of age Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75% Sep 18, 20264.00%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.46%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Elements 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

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
June 30, 2026	$2.5B	2.46%	5.0	A+
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+

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 190

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

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

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

Q2 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 Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://www.monitorbankrates.com/credit-unions/elements-financial-federal-credit-union-rates-review-22468">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Elements Financial Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Elements Financial Federal Credit Union

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.