Member Savings Overview No monthly Maintenance Service Charge Tiered rates that increase as your account balance grows View Rates A Good Option If: You want to establish your Elements membership You plan to maintain less than a $2,500 daily balance Read More Open an Account Or Call 1-800-621-2105 Continue Existing Application Compare Member Savings Dividend Rate APY $100.00 - $2,499.99 0.10% 0.10% $2,500.00 - $49,999.99 0.15% 0.15% $50,000.00 and Above 0.20% 0.20% Member Savings Annual Percentage Yield (APY) effective as of July 1, 2026, and may change after account opening without notice. 0.10% APY on balances $100.00-$2,499.99; 0.15% APY on balances $2,500.00-$49,999.99; 0.20% APY on balances $50,000.00 and Above. Minimum daily balance of $100 required to earn dividends. $5 required minimum balance to open the account. No monthly Maintenance Service Charge. Fees may reduce earnings.
High Yield Savings Plus Overview Promotional 3.75% APY1 for 8 months on balances of $15,000+ that are new deposits to Elements Fixed rate — locked in for the full 8 months, no surprises No monthly Maintenance Service Charge — every dollar you earn stays yours No lock-in — access your money whenever you need it No market risk — your rate won't change during the promotional period Unlimited deposits — fund up to $100,000 at account opening; add more any time View Rates A Good Option If: You have a high savings balance for which you want to earn a higher yield Read More Open an Account Or Call 1-800-621-2105 Continue Existing Application Compare High Yield Savings Plus Dividend Rate APY $0.01 - $99.99 0.10% 0.10% $100.00 - $2,499.99 0.10% 0.10% $2,500.00 - $9,999.99 0.25% 0.25% $10,000.00 - $14,999.99 1.98% 2.00% $15,000.00 and Above 3.69% 3.75% The High Yield Savings Plus account is a promotional savings account offering a fixed 3.75% Annual Percentage Yield (APY) on balances of $15,000.00 or more for the first 8 months. To qualify, a minimum of $15,000.00 in new money must be deposited, whether opening a new account or converting an existing High Yield Savings account or Private Client High Yield Savings account to the High Yield Savings Plus account. New Money is defined as funds not on deposit at Elements within the 30 days prior to opening the High Yield Savings Plus account. The promotional period begins on the account opening date or, for existing accounts, on the date the required new money deposit is met. For members to receive the promotional terms on existing High Yield Savings, you must contact Elements to convert your existing account to a High Yield Savings Plus account. Rates are accurate as of July 1, 2026. The High Yield Savings Plus account is a tiered rate account in which the dividends are calculated on the entire balance in your account based on the rate for the tier corresponding to each day’s daily balance. On the first business day following the last calendar day of the 8th month, the account and promotional APY will automatically convert to the then current non-promotional High Yield Savings tier structure or for Private Client, the non-promotional PC High Yield Savings account tier structure. APYs are variable and may change at any time without notice. Additional information for each tier: An APY of 0.10% applies to accounts with balances from $0.01 to $99.99; and from $100.00 to $2,499.99. An APY of 0.25% applies to accounts with balances from $2,500.00 to $9,999.99. An APY of 2.00% applies to accounts with balances from $10,000.00 to $14,999.99. An APY of 3.75% applies to accounts with balances from $15,000.00 and above. At least one account holder must be 18 years of age. Other qualifications may apply. Offer subject to membership approval. Elements reserves the right to modify or discontinue this offer at any time. Fees may reduce earnings. Federally insured by NCUA.
High Yield Savings Overview High Yield Savings rate of 2.90%APY2 on balances of $250,000 and greater On new money not already on deposit at Elements — See disclosures for further details. Represents competitive pricing in the marketplace No monthly Maintenance Service Charge View Rates A Good Option If: You have a high savings balance for which you want to earn a higher yield Read More Open an Account Or Call 1-800-621-2105 Continue Existing Application Compare High Yield Savings Dividend Rate APY $0.01 - $99.99 0.10% 0.10% $100.00 - $2,499.99 0.10% 0.10% $2,500.00 - $9,999.99 0.25% 0.25% $10,000.00 - 24,999.99 1.98% 2.00% $25,000.00 - $49,999.99 2.23% 2.25% $50,000.00 - $99,999.99 2.52% 2.55% $100,000.00 - $249,999.99 2.76% 2.80% $250,000.00 and Above 2.86% 2.90% High Yield Savings Annual Percentage Yield (APY) accurate as of July 1, 2026. High Yield Savings is a tiered savings account paying a variable dividend rate, that may change at any time, on the entire balance in your account based on the rate for the tier corresponding to each day’s daily balance. The account is available for new money only which are funds not on deposit at Elements for 90 days prior to opening the High Yield Savings account. Existing Elements members with savings accounts must deposit $25,000.00 or more of new money within 10 days of opening the High Yield Savings account. Existing Elements members with savings accounts with combined daily balances of $2,500.00 or less for the 90 days prior to account opening are excluded from the new money requirement. Additional information for each tier: An APY of 0.10% applies to accounts with balances from $0.01 to $99.99. An APY of 0.10% applies to accounts with balances from $100.00 to $2,499.99. An APY of 0.25% applies to accounts with balances from $2,500.00 to $9,999.99. An APY of 2.00% applies to accounts with balances from $10,000.00 to $24,999.99. An APY of 2.25% applies to accounts with balances from $25,000.00 to $49,999.99. An APY of 2.55% applies to accounts with balances from $50,000.00 to $99,999.99. An APY of 2.80% applies to accounts with balances from $100,000.00 to $249,999.99. An APY of 2.90% applies to accounts with balances of $250,000.00 and above. At least one account holder must be 18 years of age. Other qualifications may apply. Offer may be discontinued at any time. Fees may reduce earnings.
Helium Savings Overview No monthly Maintenance Service Charge No minimum daily balance required to earn dividends View Rates A Good Option If: You like to earn higher dividends on your higher balances Read More Open an Account Or Call 1-800-621-2105 Continue Existing Application Compare Helium Savings Dividend Rate APY $0.01 - $2,499.99 0.10% 0.10% $2,500.00 - $9,999.99 0.99% 1.00% $10,000.00 and Above 0.99% 1.00% Helium Savings Annual Percentage Yield (APY) effective as of July 1, 2026, and may change after account opening without notice. $5 required minimum balance to open the account. No monthly Maintenance Service Charge. Fees may reduce earnings.
Hideaway Savings Overview Add to Hideaway Savings all year Easily transfer funds to your Elements checking account when you’re ready to shop No monthly Maintenance Service Charge No minimum balance View Rates A Good Option If: You like the idea of out of sight, out of mind You want to stash some cash away for a special goal Read More Open an Account Or Call 1-800-621-2105 Continue Existing Application Compare Hideaway Savings Dividend Rate APY $100 and Above 0.20% 0.20% Hideaway Savings Annual Percentage Yield (APY) effective as of July 1, 2026, and may change after account opening without notice. Minimum daily balance of $100 required to earn dividends. Fees may reduce earnings. No monthly Maintenance Service Charge. No minimum balance requirements apply.
Grow Account Overview Special account only for children under age 18 No monthly maintenance or inactive fees View Rates A Good Option If: You want to teach your kids how to save and manage money Read More Download a Membership Application to Get Started Or Call 1-800-621-2105 Compare Grow Account Dividend Rate APY $100.00 and Above 1.00% 1.00% Grow Account Annual Percentage Yield (APY) effective as of July 1, 2026, and may change after account opening without notice. Minimum daily balance of $100 required to earn dividends. Fees may reduce earnings. At least one account owner must be 18 years of age or older, and one account owner must be below the age of 18.
Share Certificates Overview Similar to a CD at a bank Higher rate than most regular savings accounts Available in amounts of $1,000 or more (as little as $500 if under age 18) Other terms and rates available from 6 months to 5 years View Rates A Good Option If: You want a more predictable savings balance You want to diversify beyond traditional savings accounts and other investments Trade-off: Must wait to access funds until the Certificate term is up Read More Buy a Certificate Or Call 1-800-621-2105 Continue Existing Application Compare Share Certificate Dividend Rate APY 6 Month Term 3.54% 3.65% 8 Month Term 3.78% 3.90% 1 Year Term 2.44% 2.50% 13 Month Term 3.06% 3.15% 18 Month Term 3.06% 3.15% 2 Year Term 2.20% 2.25% 3 Year Term 2.20% 2.25% 4 Year Term 2.58% 2.65% 5 Year Term 2.68% 2.75% Share Certificate Annual Percentage Yield (APY) effective as of July 1, 2026, and may change without notice. Minimum deposit of $1,000 to open certificate. Primary members under the age of 18 must have a $500 minimum deposit to open certificate. Minimum of $500 balance required to earn dividends. Unless redeemed, upon maturity, the 8-month certificate will automatically reinvest into a 6-month certificate at the then current APY; the 13-month certificate will automatically reinvest into a 12-month certificate at the then current APY. Penalty for early withdrawal. Elements reserves the right to amend or discontinue offers at any time and to limit the balance of a certificate at any time.
Advantage Certificate Overview Secure a high, fixed return for a full 13 month term Ability to add to your certificate — one time, up to your initial deposit amount — for a full six months after account opening Earn significantly more than a standard savings account Available in amounts of $1,000 or more (as little as $500 if under age 18) View Rates A Good Option If: You have a tax refund, work bonus, or maturing investment arriving in the next few months. You want to diversify beyond traditional savings accounts and other investments Trade-off: Must wait to access funds until the Certificate term is up Read More Buy a Certificate Or Call 1-800-621-2105 Continue Existing Application Compare Advantage Certificate Dividend Rate APY 13 Month Term 3.39% 3.50% Advantage Certificate Annual Percentage Yield (APY) effective as of July 1, 2026, and may change without notice. Minimum deposit of $1,000 to open certificate. Primary members under the age of 18 must have a $500 minimum deposit to open certificate. Minimum of $500 balance required to earn dividends. With the Advantage Certificate, one (1) additional deposit may be credited to the certificate within the first six months of the term. The maximum allowable additional deposit must not exceed the amount of the initial deposit. For example, if you open this certificate with a $1,000 deposit, the amount of the one additional deposit is limited to $1,000. Any funds over $1,000 will be transferred into your member share account. All Advantage Certificates automatically renew into a 1 year share certificate at the then current dividend rate and APY, with no option for additional deposits. Maximum three (3) Advantage Certificates per household. Penalty for early withdrawal. Elements reserves the right to amend or discontinue offers at any time and to limit the balance of a certificate at any time.
Traditional and Roth IRAs Overview Save for retirement at any age in a tax-advantaged way Choose between tax-deductible contributions (Traditional IRA) or tax-free withdrawals (Roth IRA) Contribute up to $7,500 per tax year View Rates A Good Option If: You are self-employed or don’t have access to an employer-sponsored plan like a 401(k) You’ve maxed out your 401(k) contribution Trade-off: IRAs can have lower contribution limits than 401(k)s Read More Call to Open an IRA1-800-621-2105 Compare IRAs Dividend Rate APY 6 Month Term 3.54% 3.65% 8 Month Term 3.78% 3.90% 1 Year Term 2.44% 2.50% 13 Month Term 3.06% 3.15% 18 Month Term 3.06% 3.15% 2 Year Term 2.20% 2.25% 3 Year Term 2.20% 2.25% 4 Year Term 2.58% 2.65% 5 Year Term 2.68% 2.75% IRA Annual Percentage Yield (APY) effective as of July 1, 2026, and may change without notice. Minimum deposit of $1,000 to open IRA. Primary members under the age of 18 must have a $500 minimum deposit to open IRA. Minimum of $500 balance required to earn dividends. Unless redeemed, upon maturity, the 8-month certificate will automatically reinvest into a 6-month certificate at the then current APY; the 13-month certificate will automatically reinvest into a 12-month certificate at the then current APY. Penalty for early withdrawal. Elements reserves the right to amend or discontinue offers at any time and to limit the balance of a IRA at any time. Contribution eligibility and tax deductibility may be limited based on income and tax‑filing status. Traditional IRAs are subject to required minimum distribution (RMD) rules.
Trust Accounts Four Types of Trust Accounts: Trust-Owned Account—for revocable trusts Uniform Transfer to Minors Act (UTMA) Account—custodial account for minors Representative Payee Account—for receivers of benefits from the Social Security Administration on behalf of another person Guardianship Account—for guardians to manage funds of a ward A Good Option If: You need to manage funds on behalf of a third party Read More Call to Open a Trust Account1-800-621-2105 Compare
