Certificates | Elements Financial
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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 September 15, 2017,  and may change prior to account opening without notice. Fees may reduce earnings.

Rate Climber Certificate Dividend Rate Annual Percentage Yield
34-Month 1.71% 1.75%
54-Month 2.20% 2.25%

Certificate Term Dividend Rate Annual Percentage Yield
6-Month 0.39% 0.40%
1-Year 0.49% 0.50%
18-Month 1.47% 1.50%
2-Year 0.69% 0.70%
3-Year 1.08% 1.10%
4-Year 1.32% 1.35%
5-Year 2.00% 2.05%
7-Year 2.10% 2.15%
10-Year 2.22% 2.30%

Minimum certificate deposit of $1,000. Maximum is $250,000 deposit per certificate; $1 million per household. Minimum required to open a child’s certificate is $500; child must be under 18 years of age. Minimum of $500 balance required to earn dividends. We may impose a penalty if you withdraw any of the principal before maturity. 

Rate Climber:  During the term of your certificate, you are permitted to unlock your current fixed dividend rate, add to the principal amount, and lock in at a higher rate once during the initial term. The rate change option will be based on our standard published rate offered for the equivalent term of the Rate Climber currently enrolled in. When you elect to exercise the Rate Climber Option, the new dividend rate will be effective for the remaining term of your certificate. A one-time dividend rate increase will not extend the original maturity date of your certificate. At maturity, the certificate will automatically renew into a standard certificate of equal to or greater term without the Rate Climber option. You may request the rate change option by visiting an Elements branch or calling us directly.