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  Member Savings Helium Savings Certificates Health Savings Account Hideaway Savings Youth Savings: The Grow Account Traditional & Roth IRAs Trust Accounts
  Open an Account Open an Account Buy a 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
Key Benefits

No monthly Maintenance Service Charge

Promo Helium Savings Rate of 3.25% APY1 for One Year on New Money Not Already On Deposit at Elements

No fees

Higher rate than most regular savings accounts

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

Want a simple Savings account to establish your Elements membership

Plan to maintain a large balance in your savings

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 0.20% on balances $50,000 and above2 1.00% on balances $2,500 and above3 Varies by term Up to 0.50% on balances $25,000 and above 0.20% on balances $50,000 and above4 0.25% on balances $100 and above5 Varies by term Call for Rates
Rate Structure Tiered dividend rates that increase as your account balance grows Tiered dividend rates that increase as your account balance grows Dividend rates that increase with the length of the Certificate term Tiered dividend rates that increase as your account balance grows Tiered dividend rates that increase as your account balance grows Average daily balance of $500 and above per quarter receives a quarterly bonus Tiered dividend 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 $0.01 — $100 $100 $100 — —
No Monthly Maintenance Service Charge —
Minimum Balance to Open $5 — — — — — — —
Available Terms — — 6 months to 5 years — — — 6 months to 10 years —
Available Amounts — — $1,000 or more ($500 or more if under age 18) — — — Contribute up to $6,000 per tax year (possibly $7,000 if over age 50) —
No Monthly Inactive Fee — — —
Unlimited Transactions Per Month Allowed —
  Open an Account Open an Account Buy a 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
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  1. 1 Promo Helium Savings (Promo Helium) is a Helium Savings account with a promotional 3.25% fixed Annual Percentage Yield (APY) on balances of $2,500.00 and above for the first 12 months from the account opening date. The rate is accurate as of September 23, 2022. The APY is 0.10% on balances up to $2,499.99. On the first day of the month following the account opening anniversary month, the Promo Helium APY will automatically convert to the then current non-promotional Helium Savings account APY which is variable and may change at any time without notice. Current Helium Savings account holders and those with Helium Savings accounts closed less than 90 days are not eligible. An existing Helium Savings account cannot be converted to the Promo Helium. Limit one Promo Helium per person. At least one account holder must be 18 years of age or older. No monthly Maintenance Service Charge. Fees may reduce earnings. Other qualifications may apply. Promotional offer may be discontinued at any time.
  2. 2 Member Savings Annual Percentage Yield (APY) effective as of September 1, 2022, and may change after account opening without notice. 0.10% APY on balances $100-$2,499; 0.15% APY on balances $25,0000-$49,999. 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. 
  3. 3 Helium Savings Annual Percentage Yield (APY) effective as of September 23, 2022, and may change after account opening without notice. 0.10% APY on balances $0.01-$2,499; 1.00% APY on balances $2,500-$9,999. $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 September 1, 2022, and may change after account opening without notice. 0.10% APY on balances $100-$2,499; 0.15% APY on balances $25,0000-$49,999. Average daily balance of $100 required to earn dividends. Fees may reduce earnings. No monthly Maintenance Service Charge. No minimum balance requirements apply.
  5. 5 The Grow Account Annual Percentage Yield (APY) effective as of September 1, 2022, 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.