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  Member Savings High Yield Savings Share Certificates Helium Savings Hideaway Savings Grow Account Traditional & Roth IRAs Trust Accounts Advantage Certificate NEW! High Yield Savings Plus
  Open an Account Open an Account Buy a Share Certificate Open an Account Open an Account Open an Account Call to Open an IRA 1-800-621-2105 Call to Open an Account 1-800-621-2105 Buy a Certificate Open an Account
Key Benefits

No monthly Maintenance Service Charge

No monthly Maintenance Service Charge

Higher rate than most regular savings accounts

No fees
A Good Option If You

Want a simple Savings account to establish your Elements membership

Like to earn higher dividends on your higher balances

Want a more predictable savings balance

Want to diversify your investments

Plan to maintain a large balance in your savings
APY 0.20% on balances $50,000 and above1 2.00% on balances $10,000 and greater2 Varies by term 1.00% on balances $2,500 and above3 0.20% on balances $100 and above4 1.00% on balances $100 and above5 Varies by term and/or product Call for Rates 3.50% APY6 3.75% APY for 8 months on balances of $15,000 and above7
Rate Structure Tiered dividend rates that increase as your account balance grows Tiered dividend rates that increase as your account balance grows Typically dividend rates that increase with the length of the Certificate term Tiered dividend rates that increase as your account balance grows — Simple rate structure on all daily balances of $100 and above Fixed Rate options offer tiered dividend rates that increase with the length of the IRA term. We also offer a Variable Rate option that changes when the Prime Rate changes (up or down) Differs based on type of trust. Call for details. Fixed rate for a specific term, regardless of future market earnings Fixed promotional rate for 8 months; automatically converts to standard High Yield Savings tiered rates after the promotional period
Minimum Balance to Earn Dividends $100 $0.01 — $0.01 $100 $100 — — — $0.01
No Monthly Maintenance Service Charge
Minimum Balance to Open $5 — — — — $5 — — $1,000 (or $500 if under age 18) —
Available Terms — — 6 months to 5 years — — — Fixed Rate option: 6 months to 10 years — 13 months —
Available Amounts — — $1,000 or more ($500 or more if under age 18) — — — Contribute up to $7,500 per tax year (possibly $8,600 if over age 50) — $1,000 (or $500 if under age 18) $15,000 minimum in new deposits to earn promotional APY; fund up to $100,000 at account opening with option to add more later
No Monthly Inactivity Fee — — — — —
Unlimited Transactions Per Month Allowed — —
  Open an Account Open an Account Buy a Share Certificate Open an Account Open an Account Open an Account Call to Open an IRA 1-800-621-2105 Call to Open an Account 1-800-621-2105 Buy a Certificate Open an Account
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  1. 1 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. 
  2. 2 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.
  3. 3 Helium Savings Annual Percentage Yield (APY) effective as of July 1, 2026, and may change after account opening without notice. 0.10% APY on balances $0.01-$2,499.99; 1.00% APY on balances $2,500.00-$9,999.99; 1.00% APY on balances $10,000.00 and Above. $5 required minimum balance to open the account. No monthly Maintenance Service Charge. Fees may reduce earnings. 
  4. 4 Hideaway Savings Annual Percentage Yield (APY) effective as of July 1, 2026, and may change after account opening without notice. 0.20% APY on balances $100.00 and Above. Minimum daily balance of $100 required to earn dividends. Fees may reduce earnings. No monthly Maintenance Service Charge. No minimum balance requirements apply.
  5. 5 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.
  6. 6 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.
  7. 7 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.