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 - $2,499 0.10% 0.10% $2,500 - $49,999 0.15% 0.15% $50,000 and Above 0.20% 0.20% Member Savings Annual Percentage Yield (APY) effective as of December 1, 2022, and may change after account opening without notice. Average 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.