Certificates | Elements Financial


Purchase a CertificateThe potential of your savings gets a boost when you purchase an Elements certificate.

Our rates are highly competitive compared to other banks and credit unions.

Your dividends are calculated monthly and may be left to accrue with your certificate or deposited into another one of your credit union accounts.


Benefits of All Elements Certificates

    • Available in amounts of $1,000 or more or $500 or more for members under 18
    • Terms from 6 months to 10 years


Elements Rate Climber Certificate

You have a savings option at Elements that offers you the freedom and flexibility to hike your rate. When you purchase a Rate Climber Certificate, you're not locked into your original rate. You get the choice to increase your rate once to a higher published rate.

      • No fee to increase your rate
      • Option to make an additional deposit at time of increase

Especially if you have a certificate maturing soon, ask us about this savings offer.

Purchase an Elements certificate online, at an Elements branch or via Member Service: (800) 621-2105.


Current Certificate Rates

Rates effective as of April 18, 2016, and may change prior to account opening without notice. Fees may reduce earnings.

Rate Climber Certificate Dividend Rate Annual Percentage Yield
34-Month 1.47% 1.50%
54-Month 1.95% 2.00%

Certificate Term Dividend Rate Annual Percentage Yield
6-Month 0.26% 0.26%
1-Year 0.35% 0.36%
18-Month 0.40% 0.41%
2-Year 0.50% 0.51%
3-Year 0.75% 0.76%
4-Year 0.99% 1.01%
5-Year 1.96% 2.01%
7-Year 2.05% 2.10%
10-Year 2.20% 2.25%

Minimum certificate deposit of $1,000.00. Minimum required to open a child's certificate is $500.00. Child must be under 18 years of age. A penalty will be imposed for withdrawal before maturity. Rate Climber Certificate may not be used as collateral for a Hold Certificate Loan.