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像银行一样,只是更好.

Higher 存款利率, Lower 贷款利率, Fewer Fees.

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特别优惠

首页 is Where the Heart Is and the Extra 现金

HOME EQUITY LINE OF CREDIT

6个月介绍费 5.99 % 4月1
然后低至 8.50 % 变量 4月
on New 房屋净值 Lines of Credit

了解更多 马上申请

Our Most Popular 检查 Account

高息支票

从你的钱中获得更多 5.00 % 2 for New Accountholders for 12 Months on Balances up to $20,000

了解更多 开户

Find the Perfect Card for Your Purchases

信用卡要素

得到一个 $200 现金 奖金3 when you open and use a new 元素 credit card

比较信用卡 马上申请

即将来临的事件

  • 工作坊:确保你的明天:回答你关于遗产规划的主要问题

    星期二,2024年5月7日
    12:00 pm - 东部时间下午12:30

    向公众开放

利记app官网

利记app官网 Named a Best Place to Work in Indiana

第十三次, 元素金融很高兴地宣布,它最近被评为2024年印第安纳州最佳工作场所. 这确认, granted by the Indiana Chamber of Commerce, 强调了元素致力于创造一个专注于员工福祉和发展的工作环境.

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与元素合作

Band of Believers in 利记app官网

We’re Building a Band of Believers in Financial Wellness

80多年来, 利记app官网 Federal Credit Union是礼来公司值得信赖的金融服务合作伙伴. Today we serve the employees of over 150 companies around the U.S.

加入我们的运动

A Podcast for Your Financial Life

Better Money with 利记app官网

Better Money with 利记app官网

Welcome to Better Money with 利记app官网, 这是一个播客,我们提供来自财务健康专家的可靠建议,帮助你赚钱——和你的生活——更好. 每周的剧集涵盖了各种话题的对话和特别嘉宾.

今天就开始听

Focused on Your Financial Wellness

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 is a credit union. 什么是信用合作社? 很高兴你问了! 信用合作社是由其成员所有的非营利性金融机构. That means we offer all the same products as a bank, 但我们的利润会以降低费用的形式返还给我们的业主会员, higher savings rates and lower loan rates.

关于元素

作为一个非盈利组织, member-owned credit union, 元素金融有能力为我们的会员做一些非常了不起的事情. While offering all the products, services and technologies of a conventional bank, 我们独特的商业模式使我们能够以降低费用的形式将利润返还给我们的会员所有者, higher savings rates and lower loan rates.

可靠性和创新:这对孪生概念协同工作,帮助元素为会员提供财务健康. 我们实用的财务建议足够可靠,使我们在美国信用合作社中排名前4%.S., with more than 100,000 members and $2.1000亿资产. 我们的创新精神激励着我们不断为我们的合作伙伴寻找更好、更方便的设施, such as holding financial workshops at their workplaces and online.

参见财务资源

自1930年以来,要素金融联邦信用合作社一直是印第安纳州中部社区的一部分. 我们为90多年来利记app官网中赢得的尊重和声誉感到自豪. 我们也很自豪地为我们的会员提供服务,无论他们走到哪里, 与78年,000+ surcharge-free ATMs and 5,000+ shared branches worldwide.

找到自动取款机或分行

With digital services in place, we can offer convenience and ‘round-the-clock service through many channels; however, we never want that service to become cold and impersonal. 我们觉得我们已经在元素找到了正确的公式:通过24/7的人力支持使现代技术个性化. Our purpose is to empower members to achieve financial success, and we have balanced resources to achieve that.

Learn more about 利记

  1. 1 利率 are based on an evaluation of credit history, combined loan-to-value ratio, 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, 包括10年只付息的提款期和15年本金加利息的还款期, which may increase your monthly payments. The Introductory 年费率 (4月) of 5.99%只适用于新的房屋净值信贷额度,并且只适用于前六个月. HELOC修改, 使用同一物业的续订和增加不被视为新的,也不符合介绍性费率. To receive the Introductory rate, 至少10美元的奖金,000 must be made within 30 days of account opening. After the introductory rate expires, 余额将根据《利记》公布的优惠利率加上保证金,按可变年利率收取. The 4月 will never be lower than 3.75%或高于18%. 规定的费率, 4月1日正确, 2024, applies to borrowers with credit scores of 730 or greater, CLTV 80%或更低, and owner-occupied single-family residences. 利记app官网将有条件地免除与您的房屋净值信贷额度相关的以下交割费用:洪水认证, title search or title abstract, 信用报告, 记录的费用, 一个简单的估值. 您可能需要支付其他费用,如税收,以及必要时的评估费. 然而, 如果您关闭您的房屋净值信贷额度后36个月内,它是开放的, 贵方将被要求按最初豁免的交割费用金额支付提前交割费. These costs vary by state and property type. 利记app官网保留随时修改或终止此优惠的权利. Additional terms and conditions may apply. Subject to credit approval. 利记app官网 Membership Required.
  2. 2 Promo 5 高息支票 (Promo HINT) is a 高息支票 account with blended rate tiers, 这意味着规定的股息率将支付给每一层的余额部分. Tier 1 earns a promotional 5.00% fixed 年收益率 (年) on balances up to $20,000.00 for the first 12 months from the account opening date. *Tier 2 pays a blended 年 ranging from 5.00% to 2.02% on balances from $20,000.01 to $50,000.00 and is variable and may change at any time without notice. To earn Tier 1 or Tier 2 dividend rates, 15 qualifying transactions must post per statement cycle on the account. 报表周期包括从上月最后一个营业日到本月最后一个营业日之间的所有交易. Accounts not meeting the qualifying transaction threshold will earn 0.05% 年 which is variable and may change at any time. 利率 are accurate as of April 1, 2024. 于开户周年月次月的第一天, Promo 5高息支票(Promo HINT) 年将自动转换为当时的非促销高息支票账户年, 年是可变的,可以随时更改,恕不另行通知. Current 高息支票 account holders, 优惠四高息支票帐户持有人及任何高息支票帐户于180天内关闭的人士均不符合申请资格. 现有的高息支票帐户不能转换为Promo 5高息支票(Promo HINT)帐户. 每人只限一个Promo 5高息支票(Promo HINT)帐户. Other qualifications may apply. Promotional offer may be discontinued at any time. Only the following are qualifying transactions: 借记卡购买,支票,账单支付,ATM取款和ACH取款. No other transactions qualify. At least one account holder must be at least 18 years old. 费用可能会减少收入.
  3. 3 信用卡 Related $200 现金 奖金 Value Offer -要求至少10次卡购买交易,合计至少净$1,在信用卡批准后的90天内,将一次性获得200美元的对账单信用. Statement credit will not reduce your monthly payment. If the account is closed within six months, 届时,我们保留将对账单贷方的金额重新计入您的账户余额的权利. Secured 信用卡 excluded. Existing or previous 元素 credit cardholders not eligible.  /  Offer subject to credit approval and may be taxable. 元素 reserves the right to amend or discontinue offers at any time. Additional terms and conditions may apply. 请在达到资格要求后的4-6周内收到对帐单. 产品优惠不能与同一产品的其他促销优惠结合使用. 每户一份优惠.