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About Elements

Serving you since 1930

Routing Number: 274073834

Like a Bank, Only Better

Elements Financial is a credit union. That means we’re like a bank, only better. We offer checking, savings, credit cards, loans, and investments. Profits are returned to members in the form of fewer fees, higher savings rates, and lower loan rates.

Our Profits Go Back to You

As a not-for-profit, member-owned credit union, Elements Financial provides some pretty amazing things for our members. While offering similar products, services, and technologies to a conventional bank, our unique business model allows us to return profits to our member-owners.

Total dividends paid to members last year $35,812,1001

An Account That Travels With You

We’ve been part of the Central Indiana community since 1930. Now, we serve members in all 50 states and 50 countries. Elements Financial gives you access to 5,000+ shared branches nationwide (300+ in Indiana)2 and 78,000+ surcharge-free ATMs globally (1,700+ in Indiana)2 — more than the country’s leading bank.

Find an ATM or Shared Branch Near You




Our digital services enable you to bank around the clock, and our support is warm and personalized. We feel that we’ve gotten the formula right at Elements: modern technology customized by 24/7 live agents.

Learn About Online Banking


We are focused on your financial wellness. That’s why we offer financial wellness resources, advice articles and onsite workshops to support you. Topics concentrate on your decisions about home buying, student financial aid, credit ratings, and identity protection.

Browse Financial Resources

View Upcoming Workshops

Our purpose is to empower members to achieve financial success.

Who We Are

What’s a Credit Union?

Did you know that credit unions are not-for-profit and member-owned?

More about credit unions

Elements in the Community

As a not-for-profit, we are in tune with the importance of giving back.

How we support the community

Our Company Culture

There’s a true sense of pride at Elements and our positive and supportive work environment has everything to do with it.

More about our workplace culture

A Great Place to Work

We’ve proudly been named a Best Place to Work in Indiana multiple times. Maybe you’d like to work here too?

View open positions

Anyone Can Become an Elements Financial Member

Seriously, anyone!

  • The most common way a person becomes an Elements member is through their employer. Elements partners with companies across the country to provide financial products and services through employee benefit packages.
  • Even if you don’t work for one of those companies, becoming a member is easy — just open an Elements checking or savings account or apply for a loan or credit card.
  • Additionally, if one of your immediate family or household members has an Elements account, you are also eligible.

Open an Account Now

Featured Partners

  • Bosma logo
  • Butler University logo
  • Damar logo
  • Eli Lilly & Company logo
  • Helmer Scientific logo
  • The Heritage Group logo
  • Indiana Chamber logo
  • Indy Chamber logo
  • IU Health logo
  • NACHI America logo
  • NeighborLink logo
  • OneAmerica logo
  • Republic Airways
  • Roche Logo
  • Soundspace logo

Fast Facts

More than 100,000

More than $2.3 billion

We rank in the top 3%

Based in Indianapolis

We have more than 200 employees

It’s Easy to Get Started with Elements

Begin with an Elements savings account — to make your
membership official. From there, consider adding checking, loans, and credit cards.

That’s it — you’re an Elements member!

Open an Account

Recently Joined Elements?

If you've opened an Elements loan, checking, or savings account, you can easily check your balance, transfer money, pay bills, and make loan payments with Online Banking our mobile app. — Learn More

We Are Here to Support You

We are headquartered in Indianapolis and our member service team is available 24 hours a day, 7 days a week to help you work through financial decisions, solve issues, and answer any questions you have. Our goal is to deliver 100% satisfaction by taking the time to understand your needs and unique circumstances.

Connect with Elements:
  1. 1 Competitive Values are estimated by comparing historical savings and lending rates at Elements Financial and at the five banks and credit unions with the largest market share in Central Indiana; data valid as of 9/30/2022.
  2. 2 As of 12/31/2023.
  3. 3 Based on asset size as of 12/31/2022.