Elements Financial

Indianapolis, Indiana
Last verified: July 25, 2026

As of July 25, 2026, Elements Financial offers a 30-year fixed mortgage at 6.599% APR. Auto loans available from 5.55% APR. HELOC rates from 8.17% APR. Personal loan rates from 5% APR. Credit card rates from 12.49% APR. Savings and certificate yields up to 2.25% APY.

Source: RateAPI.dev, verified from Elements Financial's official website

Who Can Join Elements Financial

Membership eligibility from Elements Financial's own published criteria. How we verify this.

Open to anyone. Anyone can become a member — no employer, location, or affiliation requirement.

Verified from Elements Financial's membership page. Final membership determination is always made by the credit union.

Mortgage Rates

Rates as of July 25, 2026

30-year-fixed
6.599% APR
Rate6.375%
Points0
VA Purchase 30-Year Fixed
30-year-fixed
6.665% APR
Rate6.625%
Points0
30-Year Fixed Mortgage Purchase
30-year-fixed
6.856% APR
Rate6.375%
Points0
USDA 30-Year Fixed
30-year-fixed
7.162% APR
Rate7.125%
Points0
First-Time Homebuyer 30-Year Fixed
15-year-fixed
6.492% APR
Rate6.125%
Points0
VA Purchase 15-Year Fixed
15-year-fixed
6.559% APR
Rate6.500%
Points0
First-Time Homebuyer 15-Year Fixed
10-year-fixed
6.342% APR
Rate6.250%
Points0
10-Year Fixed Mortgage Purchase
7-1-arm
6.750% APR
Rate6.727%
Points0
First-Time Homebuyer 7/6 ARM 30
20-year-fixed
6.923% APR
Rate6.875%
Points0
First-Time Homebuyer 20-Year Fixed
other
6.540% APR
Rate6.500%
Points0
5/5 ARM 30 Year Purchase
other
6.540% APR
Rate6.500%
Points0
5/5 ARM 30 Year Purchase Mortgage
other
6.625% APR
Rate6.586%
Points0
First-Time Homebuyer 5/5 ARM 30
30-year-fixed
6.600% APR
Rate6.375%
Points0
VA Refinance 30-Year Fixed
30-year-fixed
6.790% APR
Rate6.750%
Points0
30-Year Fixed Refinance Mortgage
30-year-fixed
7.008% APR
Rate6.250%
Points0
FHA Refinance 30-Year Fixed
15-year-fixed
6.315% APR
Rate6.250%
Points0
15-Year Fixed Refinance Mortgage
15-year-fixed
6.495% APR
Rate6.125%
Points0
VA Refinance 15-Year Fixed
15-year-fixed
6.861% APR
Rate6.125%
Points0
FHA Refinance 15-Year Fixed
5-1-arm
6.615% APR
Rate6.500%
Points0
5/6 ARM 30 Year Refinance Mortgage
20-year-fixed
6.678% APR
Rate6.625%
Points0
20-Year Fixed Refinance Mortgage
7-1-arm
6.750% APR
Rate6.731%
Points0
7/6 ARM 30 Year Refinance Mortgage
other
6.540% APR
Rate6.500%
Points0
5/5 ARM 30 Year Refinance Mortgage
other
6.540% APR
Rate6.500%
Points0
Refinance 5/5 ARM 30 Year

Auto Loan Rates

Rates as of July 25, 2026

auto
5.550% APR
Rate5.190%
Auto Loan 2024 and Newer
auto
5.850% APR
Rate5.490%
Auto Loan 2021-2023
auto
6.750% APR
Rate6.390%
Auto Loan 2018-2020
boat_any
8.270% APR
Rate8.090%
Boat Loan New & Used 2018+
rv_any
8.270% APR
Rate8.090%
RV Loan New & Used 2018+
motorcycle_any
8.930% APR
Rate8.590%
Motorcycle & ATV Loan New & Used 2018+
auto
9.160% APR
Rate8.790%
Auto Loan 2017 and older

HELOC Rates

Rates as of July 25, 2026

heloc_fixed
8.170% APR
Rate7.990%
10 Year Fixed Home Equity Loan
heloc_fixed
8.370% APR
Rate8.240%
15 Year Fixed Home Equity Loan

Personal Loan Rates

Rates as of July 25, 2026

personal
5.000% APR
Rate5.000%
Credit Builder Loan
personal_unsecured
9.590% APR
Rate9.590%
Unsecured Signature Loan
ploc_variable
11.490% APR
Rate11.490%
EZ Line of Credit

Credit Card Rates

Rates as of July 25, 2026

credit_card_platinum
12.490% APR
Rate12.490%
Platinum Visa
credit_card_rewards
14.490% APR
Rate14.490%
Signature Rewards Visa
credit_card_cash_back
16.490% APR
Rate16.490%
Cash Rewards Visa
credit_card_secured
16.490% APR
Rate16.490%
Secured Visa

Savings & Certificate Rates

Rates as of July 25, 2026

savings
0.10% APY
Dividend Rate0.10%
Member Savings
savings
2.00% APY
Dividend Rate1.98%
High Interest Checking
share_certificate
2.25% APY
Dividend Rate2.20%
Share Certificate

Frequently Asked Questions

What rates does Elements Financial offer?

Elements Financial currently offers mortgage, auto loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified July 25, 2026 directly from the credit union's official website.

How often are Elements Financial rates updated?

RateAPI verifies Elements Financial's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified July 25, 2026.

Where does RateAPI get Elements Financial's rate data?

Rate data is collected directly from Elements Financial's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Elements Financial's mortgage rate?

As of July 25, 2026, Elements Financial offers a 30-year fixed mortgage at 6.599% APR.

What is Elements Financial's auto loan rate?

As of July 25, 2026, Elements Financial offers auto loans from 5.55% APR.

Related Rate Data

Compare Elements Financial's rates against national credit-union benchmarks.

More Indiana credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan ratesCredit card ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

View Original Source

Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

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# Get rates for Elements Financial
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  -H "Authorization: Bearer YOUR_API_KEY"
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