WELCOME TO PRIVATE CLIENT
INTRODUCING
YOUR PRIVATE CLIENT EXPERIENCE Your wealth and well-being require time, care, and attention. That’s why Private Client Services at Elements Financial assigns you a private client representative who handles your personal financial affairs. We know you need more time to dedicate to the things you enjoy most. Freeing up that time is exactly what we do for you. Elements uniquely combines the superior service of a credit union with resources and products comparable to a much larger institution. We offer concierge-level service beyond regular business hours. Private Clients receive personalized solutions based upon our knowledge of your assets, goals, and unique situation.
INTRODUCING YOUR
PRIVATE CLIENT OFFICER
We’re here to simplify your life. As your Private Client Officer, Amanda's role goes beyond managing accounts. She takes a concierge approach to your financial relationship with Elements, backed by a dedicated team of financial experts ready to assist with any need—from everyday banking to long-term planning. Amanda works to maximize your entire relationship with Elements, delivering tailored cash management and lending strategies that help you earn more, save on borrowing, and streamline your banking—so your money works as hard as you do.
AMANDA BELL Vice President, Private Client Officer abell@elements.org | (317) 502-4097 NMLS #2840613
BETTER RATES
FOR YOUR CHECKING Get more from your money.
PRIVATE CLIENT CHECKING ACCOUNT • Tiered dividends paid on your entire daily balance, not just a portion • No minimum transaction requirement to earn your rate • Dedicated Private Client Representative as your single point of contact • Complimentary cashier's checks, wire transfers, and no foreign currency exchange fees • Check deposits from your mobile app • Early access to select promotions and offers
A LIMITED-TIME OPPORTUNITY Two ways to make your money work harder, right now.
HIGH YIELD SAVINGS PLUS For a limited time, bring new deposits to Elements and earn a premium fixed rate for 8 months, with no lock-in and no market risk. There are no monthly fees, and your money stays accessible the entire time. When the promotional period ends, your account transitions automatically to our standard High Yield Savings rate, so you keep earning without any extra steps. // Click to learn more at elements.org
8 MONTH CERTIFICATE Prefer to set money aside for a short window? Our 8 Month Certificate offers one of our most competitive short-term rates, locked in for the full term with no fees at maturity. Ask your Private Client Officer for current rates and terms. // Click to learn more at elements.org
SAVE FOR WHAT MATTERS Make your money work for you. PRIVATE CLIENT HIGH YIELD SAVINGS This special product, only offered to our Private Client members, provides greater flexibility with paper statements mailed quarterly and no minimum number of transactions.
CERTIFICATES Give your savings a boost when you purchase certificates from Elements. Enjoy a dividend rate that doesn't change during the term of the account, giving yourself the ability to estimate your earnings over time. Choose a term from 6 months to 5 years and enjoy no fees when you hold your account to maturity.
TRADITIONAL & ROTH IRAS Save for retirement at any age in a tax-advantaged way. Choose between tax-deductible contributions (Traditional) or tax-free withdrawals (Roth), and contribute up to $7,500 per tax year.
REWARD YOURSELF
FOR YOUR PURCHASES
Signature Rewards Visa® Credit Card • Earn 1.5% in rewards, including cash back, for your purchases1 • No Balance Transfer Fee • No international transaction fee2 • Convenience of paying at retailers with a tap, a swipe, or a chip • Access to complimentary Visa® Signature Concierge Service, deals, and offers
1) Signature Rewards Visa Credit Card Rewards — You earn 1.50 points for every dollar you spend on eligible purchases. This resets at the end of each calendar year. Statement Credits and Deposits to Elements Accounts can be redeemed for as low as $50 (5,000 point equivalent). Gift Cards can be redeemed for as low as $25 (2,500 point equivalent). Redemption for Travel is also available. Transactions that do not earn Pure Perks points include PIN-based transactions, cash advances, balance consolidation checks, money order/wires, gaming chips. Visit the rewards portal page for details. 2) Signature Rewards Visa Credit Card Transaction Fees — Credit Card Balance Transfer Fee: None Credit Card Cash Advance: Up to 3% for each Cash Advance or a minimum of $5.00.
THE RIGHT LOAN FOR YOUR HOME Upsize, downsize, or refinance your mortgage. We provide personalized guidance to make the homebuying process seamless. Your Private Client Officer will partner with your Mortgage Loan Originator to provide a collaborative and streamlined experience for you. Our locally based processing and underwriting teams work under the same roof. We offer the ability to finance a home in all 50 states.
POPULAR MORTGAGE PROGRAMS • Traditional Fixed-Rate and Adjustable-Rate Options • Jumbo Mortgages • Bridge/Swing Loans • Land/Lot Loans • Construction Loans • Home Improvement Loans
PUT YOUR VALUE TO WORK Use your equity to your advantage. HOME EQUITY LINE OF CREDIT Use it for home improvements, new cars, tuition, vacations or just for a safety net. You’ll have access to as much or as little as you need whenever you need it — up to the credit limit established at closing. • Access up to 95% of the equity in your home • Enjoy interest-only payments during the draw period. After the draw period ends, principal and interest payments begin.
HOME EQUITY LOANS Borrow funds using your home as collateral. You’ll receive the money you need up front in a lump sum single payout. • Lock in a fixed rate for the loan term with a fixed monthly payment • Never worry about the possibility of rising interest rates • Multiple term options available
BORROW ON YOUR OWN TERMS Access capital without tying up your assets. STOCK-SECURED LOANS & LINES OF CREDIT Put the stock you already own to work without selling a single share. Borrow against your portfolio's value while you continue to benefit from dividends and stock splits. • Available as a term loan or a revolving line of credit • No prepayment penalties or loan fees
UNSECURED LENDING SOLUTIONS Access capital without pledging any collateral. Draw on your line whenever opportunity calls, and only pay interest on the funds you use. • No assets required to secure your credit line • Your Private Client Officer can help structure a limit that fits your financial picture
LET’S GET GOING Enjoy products that keep you on the move. AUTO LOANS Explore options for new and used vehicles. • Closings typically in as quick as one business day • Flexible terms to fit your budget • Auto loan refinancing available
BOAT LOANS Your weekends could get a lot more fun. • Good toward new and used sailboats, motorboats, and yachts • Finance up to 90% of your boat’s value with flexible terms • Boat loan refinancing available
RV LOANS Perfect for when the open road is calling. • Good toward all classes of motorhomes, travel trailers, large fifth wheels, pop-up campers, and truck campers • Finance up to 90% of your RV’s value with flexible terms • RV loan refinancing available
LET’S GET DOWN TO BUSINESS Explore our commercial services. We work with you to provide the specific solutions your business requires. Elements offers competitive fixed and variable rate options for our loans.
COMMERCIAL LOANS • Commercial Term Loan • Commercial Real Estate • Business Line of Credit
PRODUCTS & SERVICES • Business Checking • Business Premium Money Market Savings • Treasury Management Services • Business Visa® Credit Cards
ELEMENTS WEALTH MANAGEMENT We help you pursue your dreams. WHAT SERVICES DO YOU PROVIDE? Our team starts by looking at each client’s overall finances including savings for education, taxes, estate planning, and retirement contributions. Then they work to craft a personalized plan that leads each individual, couple, or family toward their goals.
WHO BENEFITS FROM YOUR SERVICES? Whether you’re getting started or you’re a seasoned investor, we’ve got the tools to a support you on your journey. We don’t have account minimums, so our advisors are here to support all investors.
WHERE ARE YOU LOCATED? Our LPL Financial Advisors operate from Indianapolis and Lafayette, Indiana, and they serve clients nationwide. We’d love to chat, no matter where you call home.
Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker/dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Elements Financial Federal Credit Union and Elements Wealth Management are not registered as a broker/dealer or investment advisor. Registered representatives of LPL offer products and services using the name Elements Wealth Management and may also be employees of Elements Financial Federal Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from and not affiliates of Elements Financial Federal Credit Union or Elements Wealth Management. Securities and insurance offered through LPL or its affiliates are: Not Insured By NCUA or Any Other Government Agency
Not Credit Union Guaranteed
Not Credit Union Deposits or Obligations
May Lose Value
THE PRIVATE CLIENT ADVANTAGE Being a Private Client member means more than an account, it’s a relationship. Every perk below is designed to save you time, reward your balance, and give you a direct line to the people who can help you get more from your money. BANKING Everyday banking, elevated. • Private Client highyield checking and savings, built to reward your balance • Certificates over $500,000 earn an extra 25 basis points, on top of our already competitive rates • Cashier's checks and wire transfers, on us • Higher limits for mobile deposits and transfers, so your banking keeps pace with you • A Private Client-branded experience across your statements, checks, and cards (coming soon) • First in line for our best promotions and offers
• No foreign exchange fees on eligible card purchases, wherever you travel
• Lending solutions custom-built around your goals, not a onesize-fits-all product
• Convenient access to foreign currency before you go
• Borrow against your securities, or access funds with no collateral at all
• Bank in person at thousands of locations nationwide through our CO-OP network
LENDING Financing built around you, not the other way around. • Preferred mortgage pricing designed for emerging professionals • We waive your consumer loan application fee • Enjoy a discounted mortgage application fee
ADVISORY & CONCIERGE SERVICES A relationship, not a transaction. • One dedicated Private Client Officer, always just a call away • Direct access to an Elements Wealth Management Advisor • Invitations to exclusive events and experiences, made just for our Private Client members
PRIVATE CLIENT FEDERALLY INSURED BY NCUA