Elements Financial Credit Union Indianapolis IN | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Elements Financial, your trusted partner in banking since 1976. Located at 1400 W Raymond St, Indianapolis, IN 46221, our branch is dedicated to serving the financial needs of our vibrant community. With a total membership of 99,528, we pride ourselves on being more than just a financial institution; we are a family that cares about your success. At Elements Financial, we understand the importance of solid financial support. Our total assets amount to an impressive $2,298,969,988, reflecting our commitment to stability and growth. We have provided over 43,739 loans and leases to help our members achieve their dreams whether it's buying a new car or financing a home renovation. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to our mailing address: PO Box 7123, Indianapolis, IN 46207. This ensures that your important documents are handled efficiently. Led by our CEO, John Huesing, and Board President, Mark Saltsgaver, our team of 185 dedicated employees is here to provide exceptional service. Whether you're looking for personal banking solutions like checking and savings accounts or need assistance with auto loans and business banking services, we've got you covered. With a net worth of $236,305,920 and total deposits reaching $64,633,263, we focus on building trust through transparency and reliability. Our members benefit from easy access to their accounts via online and mobile banking options, as well as convenient ATM services. We invite you to join us at Elements Financial. Call us today at 317-277-2997 or explore more about our services on our website here. Let's work together towards achieving your financial goals!

Branch History & Mission

Join Us!

We invite you to become part of the Elements Financial family. Experience firsthand the benefits of membership from competitive loan rates to personalized service tailored just for you. Visit us today or explore more about what we offer on our website here. Let's build your financial future together!

Our Journey

From our humble beginnings, Elements Financial has evolved significantly. We started with a mission to provide affordable financial solutions and have expanded our offerings to include personal banking services, auto loans, mortgages, and business banking solutions. Our commitment to excellence has driven us to develop innovative digital services like online banking and mobile payments, ensuring that our members can manage their finances conveniently from anywhere. Our journey hasn't just been about numbers; it's about people. With a dedicated team of 185 employees, we prioritize customer service by fostering strong relationships with our members and supporting them through life's financial challenges. Whether you are looking for personal loans or need help with business financing, we are here to guide you every step of the way.

Our Mission

At Elements Financial, our mission is clear: we strive to empower our members by providing exceptional financial services while nurturing community growth. We believe that when our members thrive, so does the community around us. This belief drives us to participate actively in local outreach programs and partnerships that benefit those in need. Our operating hours are convenient for everyone Monday through Friday from 8:00 AM to 4:30 PM so you can find time to visit us easily. While we do not have a drive-thru service at this location, we offer an ATM for quick cash access and shared service center availability for additional convenience. While members can visit us at 1400 W Raymond St, official correspondence should be sent to PO Box 7123, Indianapolis, IN 46207.

Branch Location & Accessibility

Accessibility Features

At Elements Financial, we believe everyone should have access to banking services. Our facility complies with ADA standards, featuring ramps and accessible entrances for those who need them. We strive to create an inclusive environment where all members feel welcome.

Call to Action

We invite you to come by and see how we can help you achieve your financial goals. Feel free to call us at 317-277-2997 if you have any questions before your visit. At Elements Financial, we're more than just a credit union; we're your partners in building a brighter financial future!

Convenient Access and Nearby Landmarks

Our branch sits just a short drive from popular local spots like the historic Garfield Park and the bustling shopping area along South West Street. This prime location means you can easily stop by while running errands or enjoying a day out. Parking is available right outside our doors, ensuring that your visit is hassle-free.

Friendly Service Hours

We know life can get busy, so we've made it easy for you to visit us. Our lobby hours are Monday through Friday from 8:00 AM to 4:30 PM. Whether you're coming in to open a new account, apply for a loan, or simply ask questions about our services, our dedicated team is ready to assist you during these hours.

Services Offered

Not only do we provide personal banking services such as checking and savings accounts, but we also offer auto loans, mortgage options, and even credit cards with rewards! If you're looking for business banking solutions, we've got those too! Plus, enjoy the convenience of ATM services right here at our branch. While members can visit us at 1400 W Raymond St for all their financial needs, official correspondence should be sent to PO Box 7123 in Indianapolis.

Member Eligibility

At Elements Financial, we believe that everyone deserves a place in our friendly community, and becoming a member is as easy as pie! If you're living or working in the vibrant Indianapolis area, you're already on the right path to joining us. We welcome individuals who share our values and are looking for a supportive financial partner. To learn more about specific eligibility details, feel free to check out our comprehensive guide at . Opening an account is just a few clicks away! You can start your journey with us by visiting our online account opening page here: https://ebranch.elements.org/elementsautoenrollment/autoenrollment_uux.html . If you have any questions or want to chat about membership, don't hesitate to give us a call at (317) 277-2997. We can't wait to welcome you into the Elements Financial family!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $224 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $1 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $194,991,547, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Beyond loans, our merchant services empower local businesses to process transactions smoothly. Imagine a bustling café where customers enjoy their favorite brew while effortlessly paying with a card or mobile wallet. Our services provide the tools you need to keep your business running efficiently and your customers happy. Join us at Elements Financial, where your business goals are our priority! Reach out today at (317) 277-2997 to explore how we can support your journey to success.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash on-the-go? Our ATM services allow for easy withdrawals and balance checks whenever you need them. Plus, as part of shared branch transactions, members from partner credit unions can also perform basic deposits and withdrawals here. We invite you to explore all these offerings at Elements-ltc where we prioritize member satisfaction above all else. Have questions? Don't hesitate to reach out at (317) 277-2997; we're always happy to help! Experience how Elements Financial can simplify your financial journey today!

Auto Loans & Vehicle Financing

Are you in the market for a new car? With our auto loans and vehicle financing options, we offer competitive rates that can make owning your dream vehicle a reality. Picture yourself driving off the lot with confidence, knowing you've secured an affordable loan that fits your budget.

Business Banking

If you own a business or are thinking about starting one, our business banking services include merchant services and business loans designed to support your growth. We want to see local businesses thrive and will work closely with you to understand how best we can assist.

Credit Cards with Rewards

With our credit cards, not only do you get the convenience of cashless transactions, but also rewards on every purchase! Whether it's cash back or travel points, these rewards can add up quickly and enhance your spending experience.

Mortgage Loans & Refinancing

Buying a home is one of the biggest decisions you'll ever make. Our mortgage loans come with flexible terms and competitive rates that can ease the stress of homeownership. If you're considering refinancing your existing mortgage, we can help you find ways to lower your monthly payments or access cash for renovations.

Online & Mobile Banking

Our commitment to convenience is evident in our robust online and mobile banking features. Accessing your accounts has never been easier whether it's through our user-friendly website or mobile application available at your fingertips.

Personal Banking

Whether you're looking to open a checking or savings account, our personal banking services are designed to make everyday transactions simple and efficient. Imagine having the ability to manage your accounts online or through our mobile app, allowing you to check balances, transfer funds, and pay bills from anywhere. This means less time worrying about your finances and more time enjoying what matters most.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. Whether it's medical bills or home repairs, our personal loans can provide quick access to funds when you need them most. Additionally, if you're feeling overwhelmed by multiple debts, our debt consolidation options might be just what you need to simplify your financial life.

Digital & Online Banking

Key Features of Our Digital Banking Services

Our online banking platform allows you to check your account balance, transfer funds, and pay bills with just a few clicks. You can also take advantage of e-statements, which means you can access your financial statements anytime, anywhere no more waiting for mail! Plus, we support electronic signature authorization, making it quick and easy to sign documents without the hassle of printing. For those who prefer mobile convenience, our mobile application is here to help. With features like person-to-person transfers and mobile payments, sending money to friends or paying for your morning coffee is as simple as tapping your phone. You can stay connected to your accounts through our user-friendly app and manage transactions right from your pocket. Security is our top priority. All of our digital banking services are designed with advanced security measures to protect your personal information. You can bank with confidence knowing that your data is safe with us. No matter where life takes you, Elements Financial ensures you have access to all the banking tools you need right at your fingertips. Experience the ease of online banking today and discover how we make managing your finances simpler than ever!

Financial Strength

Growing Member Base

We serve a strong community with 174,718 total share accounts, highlighting the trust that so many have placed in us as their financial partner. Our commitment to service excellence has helped us build lasting relationships with our members. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Elements Financial is your trusted partner. Visit us at 1400 W Raymond St Indianapolis In 46221 or call (317) 277-2997 to learn more about how we can help you achieve your financial goals.

Lending Capacity

Our lending capacity supports your financial goals across various sectors. We currently have $16,064 in used auto loans and a total of $1,608,445,955 in loans and leases available. Whether you're looking to finance a vehicle or fund another venture, we're here to help.

Member-Centric Approach

Unlike traditional banks that often prioritize non-member deposits, we place our members first. With $6,616,651 in non-member deposits, we ensure that our resources are primarily focused on benefiting you resulting in better loan rates and exclusive perks.

Operational Efficiency

With a reported $10,000,242, our operational efficiency enables us to continue offering competitive loan rates and solid financial products tailored for our members' needs. We pride ourselves on having a dedicated team of 185 full-time employees who are always ready to assist you.

Reinvestment for Growth

Our $208,173,047 in undivided earnings is reinvested into innovative banking tools and improved lending options. This dedication to enhancing member services reflects our commitment to providing you with secure and efficient banking experiences.

Secure Savings Options

We understand the importance of securing your savings. Members' funds are protected through $524,914,292 in share certificates, which offer stable growth opportunities. While we currently have no money market shares, our focus remains on maximizing the benefits for our members through various savings products.

Strong Net Worth

With a net worth of $236,305,920, we demonstrate our robust financial foundation. This strength empowers us to support our members with competitive loan options and excellent savings opportunities. Additionally, our net worth ratio of $1,027 showcases our solid capital position, ensuring that we can continue providing you with essential services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $301,393,433 in used vehicle loans and $30,130,306 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or a reliable used one, our competitive rates can make your dreams a reality. Plus, refinancing options are available if you're looking to lower your monthly payments or adjust your loan terms.

Credit Lines and Commercial Loans

For those looking for more flexibility in their borrowing needs, our total credit lines amount to an impressive $555,945,844. Additionally, for business owners seeking growth opportunities, our outstanding commercial loans totaling $194,991,547 provide the capital needed to expand operations or invest in new projects. At Elements Financial located at 1400 W Raymond St Indianapolis In 46221, we are committed to serving our members with integrity and transparency. Feel free to reach out to us at 317-277-2997 with any questions about our loan offerings or how we can assist you further. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $183,157,311, make buying or refinancing simple. We're here to guide you through the process and help you find a mortgage that fits your budget and lifestyle.

Unsecured Credit Card Loans

Managing finances can be tricky at times. We also offer flexible terms on unsecured credit card loans, with a total of $24,497,624 in loans helping members manage their expenses effectively. With our credit cards, you can enjoy peace of mind knowing that funds are available when you need them most.

Loan Aggregator

Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This approach guarantees that the offers you see are fair and transparent. Each loan comparison reflects the most current rates available, allowing users to trust that they are receiving legitimate offers.

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. This means you can feel confident in the accuracy of the information presented. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. Every user receives the same opportunity to compare loan options without influence from advertising dollars. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can make informed decisions quickly. This feature is especially beneficial in a fluctuating market where rates can change frequently. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness of LendMesh as a reliable tool for securing favorable loan terms. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

ELEMENTS FINANCIAL FEDERAL CREDIT UNION