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Elements Financial

PO BOX 7123, Indianapolis, IN 46202
NCUA Insured4.3 (236 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1976

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

PO BOX 7123

Indianapolis, IN 46202

Service Area

This credit union is located in Indianapolis and serves members in the IN area. Currently serving 98,725 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

6.02%

Used Auto Loan

7.23%

Personal Loan

10.75%

Credit Card APR

11.06%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in IN

Lowest rates currently reported by credit unions in IN (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(5 total)

Member Reviews

4.3

236 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
ike mitchell

ike mitchell

2 months ago

I was with Eli Lilly credit union before Elements. So I have been with this credit union since I was 23 yrs old and am 75 now. I was skeptical when it switched and went to Elements and was going to switch to a bank or another credit union. I am glad I waited because I found out how helpful and knowledgeable everyone was. It was just as good as Eli Lilly credit union. Haven't used a bank in all that time. Any question or help I needed is just a phone call away and I am always impressed that I get an answer and if I don't they will follow up with a call back after they know something. It is hard to find now days.... customer service this good but Elements has it.... so keep up the good work Elements.

J T

J T

7 months ago

I just signed up with Elements for the Debt Consolidation program and received my new credit card within the last week. I had some problems. I put the wrong information into paying down on some credit cards. Granted I live in New Jersey, the Elements had your local office reach out to me, and they assigned a wonderful lady. Her name is Robin Morrison, she not only helped me cancel the two transactions but was able to help me resend them out appropriately over the phone, and cleared up my problem immediately. You got a great team there at Elements. I also have my car known with you all. Kudos to a great team, and please give Robin a raise!

Ethan Howard

Ethan Howard

7 months ago

We had a great experience with Elements Financial when getting our mortgage for our new home! Karla and her team were very responsive, patient, and answered any questions that my wife and I had. They also worked with us to get the best rate for our new house. I would highly recommend working with them!

Debra Jones

Debra Jones

8 months ago

Great institution to do your business with! Elements Financial is a family friendly company. This business will work with you on your new vehicle or used vehicle. Thanks for making this possible for me to be able to have a very low interest and not overpay. If you’re looking to buy please contact customer service and get the best loan for you….. DMiller

xinyuan liu

xinyuan liu

7 months ago

Justin was fantastic to work with! He was patient, professional, and guided me through every step of the mortgage process. With his support, my loan was approved smoothly. Highly recommend Justin and look forward to working with him again!

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).