Elements Financial


Money is about habits, behaviors and relationships. Money is about opportunities, wishes and dreams. Money is about friends and family. Money is often about stress and sometimes even shame.

At Elements Financial — previously called Elfcu — we understand that money is about all these things and more. That’s why we provide a variety of powerful financial products and services.

But at Elements, we are not just a credit union.

Who is Elements Financial?

Intentionally, the question here is not "What is Elements Financial?" That's because Elements is more about our people than our products. We want our members to regard us as trusted financial wellness providers who happen to operate a credit union. Look to Elements to build a lifelong relationship to support your financial success.

We promise to help you achieve financial wellness in life with your own money management plan. We will nurture you toward your goals, assist you through processes, and engage you with the tools and resources that best fit and support your plan. Elements will always be looking out for your best interests. Our original partner is Eli Lilly and Company and has been since 1930, but we also serve companies and individuals across Indiana and nationwide.

User Ratings

GD Star Rating

HSA Program Features

FDIC or NCUA Insured:
  • Checks
  • Online Banking
  • Investment Options

HSA Interest Rates

Interest rates for various balance tiers
$100 - $2,4990.10%
$2,500 - $9,9990.30%
$10,000 & above0.60%
Last checked on: 04-01-2020. Rates may not be current, please check the provider's website for the latest rates.


Monthly Maintenance Fee$4.00*
Account Opening FeeUnknown
Account Closing FeeUnknown

* Waived if average daily balance above $2,500

HSA Investment Options

Mutual Fund Platform: close   Self-Directed Brokerage: check_box   CDs: close   Other: close

Contact Information

General Information

Address225 South East Street, Suite 300
Indianapolis, IN, 46202

Customer Service

Mailing AddressElements Financial
Attn: Customer Service
225 South East Street; Suite 300
Indianapolis, IN 46202
Phone Number855-440-4472
Email Address[email protected]