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  Member Savings Helium Savings Certificates Health Savings Account Hideaway Savings Youth Savings: The Grow Account Traditional & Roth IRAs Trust Accounts
  Apply Now Open an Account Buy a Certificate Apply Now Apply Now Open an Account Call to Open an IRA 1-800-621-2105 Call to Open an Account 1-800-621-2105
Key Benefits

No monthly maintenance fee

No fees

Higher rate than most regular savings accounts

Tax-free savings for medical expenses
A Good Option If You

Want to establish your Elements membership

Plan to maintain less than $2,500 daily balance

Plan to maintain a $2,500 daily balance to earn dividends

Want a more predictable savings balance

Want to diversify your investments

Have a high-deductible health plan (HDHP)

Want a safe and convenient way to pay for health expenses
APY 0.10% - 0.20%1 Up to 0.55%2 0.200% - - 3 0.10% - 0.20%4 0.25%5 0.200% - Call for Rates
Rate Structure Tiered interest rates that increase as your account balance grows Simple, single-tiered rates Tiered interest rates that increase with the length of the Certificate term Tiered interest rates that increase as your account balance grows Tiered interest rates that increase as your account balance grows Average daily balance of $500 and above per quarter receives a quarterly bonus Tiered interest rates that increase with the length of the IRA term Differs based on type of trust. Call for details.
Minimum Balance to Earn Dividends $100 $2,500 — $100 $100 $100 — —
No Monthly Maintenance Fee —
Minimum Balance to Open $5 — — — — — — —
Available Terms — — 6 months to 10 years — — — 6 months to 10 years —
Available Amounts — — $1,000 or more ($500 or more if under age 18) — — — Contribute up to $5,500 per tax year (possibly $6,500 if over age 50) —
  Apply Now Open an Account Buy a Certificate Apply Now Apply Now Open an Account Call to Open an IRA 1-800-621-2105 Call to Open an Account 1-800-621-2105
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  1. 1 Member Savings Annual Percentage Yield (APY) effective as of October 1, 2020, and may change after account opening without notice. Average daily balance of $100 required to earn dividends. Fees may reduce earnings. No monthly maintenance fee. $5 required minimum balance to open the account.
  2. 2 Helium Savings Annual Percentage Yield (APY) effective as of October 1, 2020, and may change after account opening without notice. Average daily balance of $2,500 required to earn dividends. Fees may reduce earnings.
  3. 3 Health Savings Account Annual Percentage Yield (APY) effective as of October 1, 2020, and may change after account opening without notice. Fees may reduce earnings.
  4. 4 Hideaway Savings Annual Percentage Yield (APY) effective as of October 1, 2020, and may change after account opening without notice. Average daily balance of $100 required to earn dividends. Fees may reduce earnings. No monthly maintenance fee. No minimum balance requirements apply. 
  5. 5 The Grow Account Annual Percentage Yield (APY) effective as of October 1, 2020, and may change after account opening without notice. Average daily balance of $100 required to earn dividends. If you maintain a minimum average daily balance (ADB) of $500 for a quarter, you will receive a bonus dividend, paid at the end of the quarter. The bonus dividend will be equal to the cumulative dividends paid during that quarter. The ADB is calculated by adding the full amount of the principal in the account each day for the period and dividing the figure by the number of days in the period. Fees may reduce earnings. For opening the Grow Account, the age restriction is under 18 years old.