Credit union · NCUA insured
Elements Financial Credit Card Rates
Top CarrotElements Financial credit card rates start at 12.74% APR. Rates checked October 15, 2026.
How Elements Financial’s credit card rates compare
Compared with banks and credit unions near Indianapolis, IN, where Elements Financial has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Elements Financial
– –
No ongoing APR published
Lowest rate
Christian Family Credit Union
8.90%APR
2nd-lowest rate
Firefighters Credit Union
8.90%APR
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Butler University Rewards Visa
Subject to credit approval. Introductory offer applies to new credit cards only. Standard variable APR varies with Prime Rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | Introductory APR for 6 months on purchases and balance transfers. Applies to new credit cards only. 0% balance transfer fee applies. |
| Ongoing | 14.74% | None | Standard variable APR for purchases and balance transfers after 6-month intro period. Varies with Prime Rate. 0% balance transfer fee applies. |
Cash Rewards Visa
Subject to credit approval. Introductory offer applies to new credit cards only. Standard variable APR varies with Prime Rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | Introductory APR for 6 months on purchases and balance transfers. Applies to new credit cards only. 0% balance transfer fee applies. |
| Ongoing | 16.74% | None | Standard variable APR for purchases and balance transfers after 6-month intro period. Varies with Prime Rate. 0% balance transfer fee applies. |
Indianapolis Indians Signature Rewards Visa
Subject to credit approval. Introductory offer applies to new credit cards only. Standard variable APR varies with Prime Rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | Introductory APR for 6 months on purchases and balance transfers. Applies to new credit cards only. 0% balance transfer fee applies. |
| Ongoing | 14.74% | None | Standard variable APR for purchases and balance transfers after 6-month intro period. Varies with Prime Rate. 0% balance transfer fee applies. |
Sources (2)
All captured Oct 5, 2026
Platinum Visa
Subject to credit approval. Introductory offer applies to new credit cards only. Standard variable APR varies with Prime Rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | Introductory APR for 6 months on purchases and balance transfers. Applies to new credit cards only. 0% balance transfer fee applies. |
| Ongoing | 12.74% | None | Standard variable APR for purchases and balance transfers after 6-month intro period. Varies with Prime Rate. 0% balance transfer fee applies. |
Sources (2)
All captured Oct 5, 2026
Secured Visa
Requires an initial account deposit held as collateral, which sets the credit limit. Standard variable APR varies with Prime Rate (will never be over 18%).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 16.74% | None | Standard variable APR for purchases. Rate will never exceed 18%. |
Sources (2)
All captured Oct 5, 2026
Signature Rewards Visa
Subject to credit approval. Introductory offer applies to new credit cards only. Standard variable APR varies with Prime Rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | Introductory APR for 6 months on purchases and balance transfers. Applies to new credit cards only. 0% balance transfer fee applies. |
| Ongoing | 14.74% | None | Standard variable APR for purchases and balance transfers after 6-month intro period. Varies with Prime Rate. 0% balance transfer fee applies. |
Sources (2)
All captured Oct 5, 2026
Who can join Elements Financial
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of partner companies and organizations across the country are eligible for membership through employee benefit packages.
Family and household
- Immediate family or household members of an existing Elements account holder are eligible for membership.
Membership information collected October 5, 2026.