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像银行一样,只是更好.

更高的存款利率,更低的贷款利率,更少的费用.

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特别优惠

跟上不断变化的利率环境

12个月和24个月的灵活费率证书

调整与优惠利率减去保证金3.00% 5.19 % 1 竞相获得我们最优惠的价格

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为你的购物找到完美的卡片

信用卡要素

得到一个 $200 现金 奖金2 当您开立和使用新的元素信用卡时

比较信用卡 马上申请

心在哪里,钱在哪里

房屋净值信贷额度

6个月介绍费 4.99 % 4月3
然后低至 8.00 % 变量 4月
新房屋净值信贷额度

了解更多 马上申请

利记app官网

元素金融被评为印第安纳州最佳工作场所

第十三次, 利记app官网 is excited to announce its recent recognition as a 2024 Best Place to Work in Indiana. 这确认, 由印第安纳州商会授予, highlights 元素’ dedication to creating a workplace environment focused on the well-being and development of employees.

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与元素合作

元素金融的信徒

We’re Building a Band of Believers in Financial Wellness

80多年来, 利记app官网 Federal Credit Union has been the trusted financial services partner of Eli Lilly. Today we serve the employees of over 150 companies around the U.S.

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宣布最高领导职位

约翰·休辛被任命为总统 & 首席执行官

约翰·休辛被任命为总统 & 首席执行官

The Board of Directors of 利记app官网 has appointed John Huesing, 经验丰富的金融专业人士, 担任总统 & 首席执行官. Huesing brings a wealth of knowledge and expertise to this position, 加上出色的领导能力.

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关注你的财务健康

我们就像一家银行, 只有更好的. 更好的利率. 更少的费用. 可信的建议. 新鲜的方法. 尊重当地. 在全球范围内访问. 高科技. 人类接触.

利记app官网是一家信用合作社. 什么是信用合作社? 很高兴你问了! A credit union is a not-for-profit financial institution that's owned by its members. 这意味着我们提供与银行相同的产品, but our profits are returned to our member-owners in the form of reduced fees, 更高的储蓄率和更低的贷款利率.

关于元素

作为一个非盈利组织, 会员制信用合作社, 利记app官网 has the ability to do some pretty amazing things for our members. 同时提供所有的产品, 传统银行的服务和技术, our unique business model allows us to return profits to our member-owners in the form of reduced fees, 更高的储蓄率和更低的贷款利率.

Dependability and innovation: these twin concepts work in harmony to help 元素 deliver financial wellness to members. Our practical financial advice is dependable enough to have earned us a ranking among the top 4% of credit unions in the U.S.该网站拥有10万多名会员和2亿美元的资金.1000亿资产. Our spirit of innovation spurs us to constantly search for better and more convenient amenities for our partners, such as holding financial workshops at their workplaces and online.

参见财务资源

利记app官网 Federal Credit Union has been a part of the Central Indiana community since 1930. We’re proud of the respect and reputation we’ve earned in our community during those 90+ years. We’re also proud to offer our members access to our services wherever they go, 与78年,000+免费自动取款机和5,全球共有超过000家分支机构.

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有了数字服务, we can offer convenience and ‘round-the-clock service through many channels; however, we never want that service to become cold and impersonal. We feel that we’ve gotten the formula right at 元素: modern technology made personal by 24/7 human support. Our purpose is to empower members to achieve financial success, 我们有平衡的资源来实现这一目标.

了解更多关于利记的信息

  1. 1 Flex Rate 证书 (变量 Rate) 年收益率 (年) effective as of October 1, 2024, 并且可能在不通知的情况下改变. The dividend rate and 年 are based on the current Prime Rate index as published in the Wall Street Journal minus a margin of 3.00%. The dividend rate and 年 are variable and will adjust the next business day following a change in Prime Rate index. The minimum floor 年 for the flex rate certificates is 0.00%,最大年永远不会大于17.00%. 开立存单的最低存款额为1000美元. Primary members under the age of 18 must have a $500 minimum deposit to open certificate. 赚取股息最少需要500美元的结余. 健康储蓄账户基金不符合资格. 费用可能会减少收入. 提前提款的罚款. 元素 reserves the right to amend or discontinue offers at any time and to limit the balance of a certificate at any time.
  2. 2 信用卡相关$200现金奖励价值优惠 — requiring at least 10 card purchase transactions totaling at least net $1,000 within 90 days of card approval — will be fulfilled as a one-time $200 statement credit. 对账单信用不会减少你的月供. 如果在六个月内结清账户, we reserve the right to add the amount of the statement credit back to your account balance at that time. 担保信用卡除外. Existing or previous 元素 credit cardholders not eligible.  /报价须经信贷审批,并可能须课税. 元素 reserves the right to amend or discontinue offers at any time. 可能适用额外的条款和条件. Please allow 4-6 weeks after qualifications are met for receipt of a statement credit. Product offers cannot be combined with other promotional offers for the same product. 每户一份优惠.
  3. 3 利率是基于对信用历史的评估, 综合贷款价值比, 贷款期限, 和入住率, 所以你们的利率可能会有所不同. Not all applicants will qualify for the displayed lowest rates. 期限为25年, consisting of a 10-year draw period with interest-only payments followed by a 15-year repayment period with principal plus interest, 这可能会增加你的月供. 介绍性年度百分比利率(4月)为4%.99% is for new 房屋净值 Lines of Credit only and is for the first six months. HELOC修改, renewals and increases that utilize the same property are not considered new and are not eligible for the introductory rate. 以获得入门费率, 至少10美元的奖金,000必须在开户后30天内支付. 在优惠价到期后, balances will be charged at the variable 4月 based upon the Prime rate as published in The Wall Street Journal plus a margin. 年利率永远不会低于3.75%或高于18%. 规定的费率, 10月1日是正确的, 2024, applies to borrowers with credit scores of 730 or greater, CLTV 80%或更低, 以及业主自住的独户住宅. 利记app官网 will conditionally waive the following Closing Costs associated with your home equity line of credit: flood certification, 标题搜索或标题摘要, 信用报告, 记录的费用, 一个简单的估值. You may be required to pay other costs such as taxes, and when required, appraisal fees. 然而, if you close your home equity line of credit within 36 months after it is opened, you will be required to pay an Early Closure Fee in the amount of the Closing Costs originally waived. 这些费用因州和财产类型而异. 利记app官网 reserves the right to modify or end this offer at any time. 可能适用额外的条款和条件. 须经信贷审批. 财务成员资格要求.