HELLO!
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.
MEET RYAN SEBREE
You can rely on the personalized attention Ryan gives his clients, from assisting with day-to-day transactions and accounts to supporting more in-depth financial needs. He holds a degree from Indiana University and has worked in the banking and insurance industries for over 20 years.
Ryan offers a vast knowledge of Elements products, services, and most importantly, people, who he can connect you with to achieve your financial milestones. He
BETTER RATES FOR YOUR CHECKING
Earn 2.00% APY on balances up to $20,0001 with our High Interest Checking Account
• Unlimited transactions and first 40 checks free
• Visa® debit card with convenience of paying at retailers with a tap, a swipe, or a chip
• No maintenance service charge when enrolled in electronic statements and no minimum balance
• Check deposits from your mobile app
• Free access to your credit score
1) High Interest Checking Account pays dividends using blended rate tiers meaning the stated dividend rate will be paid on the portion of the balance for each tier. The Annual Percentage Yield (APY) for Tier 1 is 2.00% on balances up to $20,000.00 and the **Tier 2 APY ranges from 2.00% to 0.86% on balances from $20,000.01 to $50,000.00. To earn Tier 1 or Tier 2 dividend rates, 15 qualifying transactions must post per statement cycle on the account. The statement cycle includes all transactions posted after the last business day of the prior month through the last business day of the current month. Accounts not meeting the qualifying transaction threshold will earn 0.05% APY. Rates accurate as of September 1, 2025. All rates are variable and may change without notice at any time. Only the following are qualifying transactions: Debit card purchases, checks, bill payments, ATM withdrawals and ACH withdrawals. No other transactions qualify. At least one account holder must be at least 18 years old. Fees may reduce earnings.
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 to earn a rate up to 3.55% APY1 on balances of $250,000 or higher.
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.
HEALTH SAVINGS ACCOUNTS
An HSA is a medical savings account for people enrolled in a high-deductible health plan. The account offers a safe and convenient way to pay for health expenses or to save for future expenses on a tax-free basis. Contributions, earnings, and distributions are all exempt from federal income taxes when funds are used for qualified medical expenses.
REWARD YOURSELF FOR YOUR PURCHASES
Signature Rewards Visa® Credit Card
• Earn 1.5% in rewards, including cash back, for your purchases1
• 0% Intro APR for 18 months on purchases and balance transfers2
• After the intro period, a variable APR of 14.99% for purchases and balance transfers2
• No annual fee and no international transaction fee3
• Pay at retailers with a tap, a swipe, or a chip
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 Introductory APR (Annual Percentage Rate) good for 18 months. Elements Financial loans are not eligible for payoff with introductory balance transfer offers. Subject to credit approval. Additional limitations, terms, and conditions apply. After introductory period your Standard variable APR for Purchases and Balance Transfers will be 14.99% for Signature Rewards Visa. Rate effective October 1, 2025, and will vary with the market based on the Prime Rate as published in The Wall Street Journal. Elements reserves the right to amend or discontinue offers at any time. 3) Signature Rewards Visa Credit Card Transaction Fees — Credit Card Balance Transfer: 4% on each Balance Transfer. 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 90% of the equity in your home
• Enjoy interest-only payments during the draw period
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
• 10-year and 15-year loan options
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
• Equipment Financing
• Working Capital
• Commercial Real Estate
PRODUCTS & SERVICES
• Business Checking and Savings
• Treasury Management Services
• Business Visa® Credit Card
