Elements Financial Credit Card Disclosures 

Important Credit Card Disclosures for Elements Financial Cash Rewards Visa, Platinum Visa, 
and Signature Rewards Visa credit cards. 

The following disclosure represents important details concerning your Elements Financial Visa Cash Rewards, Visa Platinum, or Visa Signature 
credit card. The information about costs of the card is accurate as of April 6, 2020. You can contact us toll free at 800-621-2105 or Elements 
Financial Federal Credit Union, P.O. Box 7123, Indianapolis, IN 46207-7123 to inquire if any changes occurred since the effective date. 

INTEREST RATES and INTEREST CHARGES 

Cash Rewards Visa 

Platinum Visa 

Signature Rewards Visa 

0% Introductory APR for six 
months. 

0% Introductory APR for six 
months. 

0% Introductory APR for six 
months. 

Annual Percentage Rate 
(APR) for Purchases and 
Balance Transfers 

After that, your standard APR will 
be 12.99%. 

After that, your standard APR will 
be 8.99%. 

After that, your standard APR will 
be 10.99%. 

This APR will vary with the market 
based on the Prime Rate. 

This APR will vary with the market 
based on the Prime Rate. 

This APR will vary with the market 
based on the Prime Rate. 

APR for Cash Advances 

15.99% This APR will vary with 
the market based on the Prime 
Rate. 

15.99% This APR will vary with 
the market based on the Prime 
Rate. 

15.99% This APR will vary with 
the market based on the Prime 
Rate. 

Paying Interest 

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on 
purchases and balance transfers if you pay your entire balance by the due date each month. We will begin 
charging interest on cash advances on the date the cash advance is posted to your account. 

Minimum Interest 
Charge 

None 

For Credit Card Tips 
from the Consumer 
Financial Protection 
Bureau 

To learn more about factors to consider when applying for or using a credit card, visit the website for the 
Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
FEES 

Cash Rewards Visa 

Platinum Visa 

Signature Rewards Visa 

Fees to Open or 
Maintain Your Account 

Annual Fee: None 

Application Fee: None 

Balance Transfer: None 

Balance Transfer: None 

Balance Transfer: None 

Cash Advance: Up to 3% for each 
Cash Advance or a minimum of 
$5.00. 

Cash Advance: Up to 3% for each 
Cash Advance or a minimum of 
$5.00. 

Cash Advance: Up to 3% for each 
Cash Advance or a minimum of 
$5.00. 

Transaction Fees 

Wire Transfer: Up to 3% for each 
wire transfer or a minimum of 
$5.00. 

Wire Transfer: Up to 3% for each 
wire transfer or a minimum of 
$5.00. 

Wire Transfer: Up to 3% for each 
wire transfer or a minimum of 
$5.00. 

International Transaction: 1.0% of 
each transaction in U.S. dollars. 

International Transaction: 1.0% of 
each transaction in U.S. dollars. 

Penalty Fees 

Late Payment: Up to $25.00 if your 
payment is late. 

Late Payment: None 

Late Payment: Up to $25.00 if your 
payment is late. 

Over the Credit Limit: None 

Over the Credit Limit: None 

Over the Credit Limit: None 

Returned Payment: Up to $25.00 if 
your payment is returned for any 
reason. 

Returned Payment: Up to $25.00 if 
your payment is returned for any 
reason. 

Returned Payment: Up to $25.00 if 
your payment is returned for any 
reason. 

How We Will Calculate Your Balance: We use a method called "Average Daily Balance (including new purchases)." 

Loss of Introductory Rate: We may end your Introductory Rate and apply the Standard APR disclosed above if you make a late payment. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Important Credit Card Disclosures for Indianapolis Indians Signature Rewards Visa or 
Indianapolis Indians Rewards Visa credit cards. 

The following disclosure represents important details concerning your Indianapolis Indians Signature Rewards Visa or Indianapolis Indians 
Rewards credit card. The information about costs of the card is accurate as of April 6, 2020. You can contact us toll free at 800-621-2105 or 
Elements Financial Federal Credit Union, P.O. Box 7123, Indianapolis, IN 46207-7123 to inquire if any changes occurred since the effective date. 

INTEREST RATES and INTEREST CHARGES 

Indianapolis Indians Signature Rewards Visa 

Indianapolis Indians Rewards Visa 

0% Introductory APR for six months. 

0% Introductory APR for six months. 

Annual Percentage Rate 
(APR) for Purchases and 
Balance Transfers 

After that, your standard APR will be 10.99%. 

After that, your standard APR will be 12.99%. 

This APR will vary with the market based on the Prime 
Rate. 

This APR will vary with the market based on the Prime 
Rate. 

APR for Cash Advances 

15.99% This APR will vary with the market based on 
the Prime Rate. 

15.99% This APR will vary with the market based on 
the Prime Rate. 

Paying Interest 

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on 
purchases and balance transfers if you pay your entire balance by the due date each month. We will begin 
charging interest on cash advances on the date the cash advance is posted to your account. 

Minimum Interest 
Charge 

None 

For Credit Card Tips 
from the Consumer 
Financial Protection 
Bureau 

To learn more about factors to consider when applying for or using a credit card, visit the website for the 
Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
FEES 

Indianapolis Indians Signature Rewards Visa 

Indianapolis Indians Rewards Visa 

Fees to Open or 
Maintain Your Account 

Annual Fee: None 

Application Fee: None 

Balance Transfer: None 

Balance Transfer: None 

Cash Advance: Up to 3% for each Cash Advance or a 
minimum of $5.00. 

Cash Advance: Up to 3% for each Cash Advance or a 
minimum of $5.00. 

Transaction Fees 

Wire Transfer: Up to 3% for each wire transfer or a 
minimum of $5.00. 

Wire Transfer: Up to 3% for each wire transfer or a 
minimum of $5.00. 

International Transaction: None 

International Transaction: 1.0% of each transaction in 
U.S. dollars. 

Late Payment: Up to $25.00 if your payment is late. 

Late Payment: Up to $25.00 if your payment is late. 

Penalty Fees 

Over the Credit Limit: None 

Over the Credit Limit: None 

Returned Payment: Up to $25.00 if your payment is 
returned for any reason. 

Returned Payment: Up to $25.00 if your payment is 
returned for any reason. 

How We Will Calculate Your Balance: We use a method called "Average Daily Balance (including new purchases)." 

Loss of Introductory Rate: We may end your Introductory Rate and apply the Standard APR disclosed above if you make a late payment. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Important Credit Card Disclosures for Butler University Rewards Visa credit card. 

The following disclosure represents important details concerning your Butler University Rewards Visa credit card. The information about costs 
of the card is accurate as of April 6, 2020. You can contact us toll free at 800-621-2105 or Elements Financial Federal Credit Union, P.O. Box 
7123, Indianapolis, IN 46207-7123 to inquire if any changes occurred since the effective date. 

INTEREST RATES and INTEREST CHARGES 

Butler University Rewards Visa 

Annual Percentage Rate 
(APR) for Purchases and 
Balance Transfers 

0% Introductory APR for six months. 

After that, your standard APR will be 12.99%. 

This APR will vary with the market based on the Prime Rate. 

APR for Cash Advances  15.99% This APR will vary with the market based on the Prime Rate. 

Paying Interest 

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on 
purchases and balance transfers if you pay your entire balance by the due date each month. We will begin 
charging interest on cash advances on the date the cash advance is posted to your account. 

Minimum Interest 
Charge 

None 

To learn more about factors to consider when applying for or using a credit card, visit the website for the 
Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore 

For Credit Card Tips 
from the Consumer 
Financial Protection 
Bureau 

FEES 

Fees to Open or 
Maintain Your Account 

Annual Fee: None 

Application Fee: None 

Balance Transfer: None 

Transaction Fees 

Wire Transfer: Up to 3% for each wire transfer or a minimum of $5.00. 

Cash Advance: Up to 3% for each Cash Advance or a minimum of $5.00. 

International Transaction: None 

Late Payment: Up to $25.00 if your payment is late. 

Penalty Fees 

Over the Credit Limit: None 

Returned Payment: Up to $25.00 if your payment is returned for any reason. 

How We Will Calculate Your Balance: We use a method called "Average Daily Balance (including new purchases)." 

Loss of Introductory Rate: We may end your Introductory Rate and apply the Standard APR disclosed above if you make a late payment. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Important Credit Card Disclosures for Riley Children’s Foundation Visa credit card. 

The following disclosure represents important details concerning your Riley Children’s Foundation Visa credit card. The information about costs 
of the card is accurate as of April 6, 2020. You can contact us toll free at 800-621-2105 or Elements Financial Federal Credit Union, P.O. Box 
7123, Indianapolis, IN 46207-7123 to inquire if any changes occurred since the effective date. 

INTEREST RATES and INTEREST CHARGES 

Riley Children’s Foundation Visa 

Annual Percentage Rate 
(APR) for Purchases and 
Balance Transfers 

0% Introductory APR for six months. 

After that, your standard APR will be 8.99%. 

This APR will vary with the market based on the Prime Rate. 

APR for Cash Advances  8.99% This APR will vary with the market based on the Prime Rate. 

Paying Interest 

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on 
purchases and balance transfers if you pay your entire balance by the due date each month. We will begin 
charging interest on cash advances on the date the cash advance is posted to your account. 

Minimum Interest 
Charge 

None 

To learn more about factors to consider when applying for or using a credit card, visit the website for the 
Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore 

For Credit Card Tips 
from the Consumer 
Financial Protection 
Bureau 

FEES 

Fees to Open or 
Maintain Your Account 

Annual Fee: None 

Application Fee: None 

Balance Transfer: Up to 1% for each Cash Advance or a minimum of $5.00. 

Transaction Fees 

Wire Transfer: Up to 3% for each wire transfer or a minimum of $5.00. 

Cash Advance: Up to 3% for each Cash Advance or a minimum of $5.00. 

International Transaction: 1.0% of each transaction in U.S. dollars. 

Late Payment: Up to $25.00 if your payment is late. 

Penalty Fees 

Over the Credit Limit: None 

Returned Payment: Up to $25.00 if your payment is returned for any reason. 

How We Will Calculate Your Balance: We use a method called "Average Daily Balance (including new purchases)." 

Loss of Introductory Rate: We may end your Introductory Rate and apply the Standard APR disclosed above if you make a late payment. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Important Credit Card Disclosures for Elements Financial Secured Visa credit card. 

The following disclosure represents important details concerning your Elements Financial Secured Visa credit card. The information about costs 
of the card is accurate as of April 6, 2020. You can contact us toll free at 800-621-2105 or Elements Financial Federal Credit Union, P.O. Box 
7123, Indianapolis, IN 46207-7123 to inquire if any changes occurred since the effective date. 

INTEREST RATES and INTEREST CHARGES 

Elements Financial Secured Visa 

Annual Percentage Rate 
(APR) for Purchases and 
Balance Transfers 

12.99% This APR will vary with the market based on the Prime Rate. 

APR for Cash Advances  15.99% This APR will vary with the market based on the Prime Rate. 

Paying Interest 

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on 
purchases and balance transfers if you pay your entire balance by the due date each month. We will begin 
charging interest on cash advances on the date the cash advance is posted to your account. 

Minimum Interest 
Charge 

None 

To learn more about factors to consider when applying for or using a credit card, visit the website for the 
Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore 

For Credit Card Tips 
from the Consumer 
Financial Protection 
Bureau 

FEES 

Fees to Open or 
Maintain Your Account 

Annual Fee: None 

Application Fee: None 

Balance Transfer: Up to 1% for each Cash Advance or a minimum of $5.00. 

Transaction Fees 

Wire Transfer: Up to 3% for each wire transfer or a minimum of $5.00. 

Cash Advance: Up to 3% for each Cash Advance or a minimum of $5.00. 

International Transaction: 1.0% of each transaction in U.S. dollars. 

Late Payment: Up to $25.00 if your payment is late. 

Penalty Fees 

Over the Credit Limit: None 

Returned Payment: Up to $25.00 if your payment is returned for any reason. 

An Elements Financial Savings account is a requirement of the Secured Visa Card. At least 100% of the approved credit line amount must 
remain on deposit in an Elements personal Savings Account (Secured Bank Account). The deposit requirement ranges from a minimum of 
$500 to a maximum of $5,000, based upon approved credit line amount. The Secured Visa Card is a non-rewards card. 

How We Will Calculate Your Balance: We use a method called "Average Daily Balance (including new purchases)."