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  Member Savings High Yield Savings Helium Savings Certificates Health Savings Account Hideaway Savings Grow Account Traditional & Roth IRAs Trust Accounts
  Open an Account 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

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 above1 4.25% on balances $10,000 and greater until October 31, 20232 1.00% on balances $2,500 and above3 Varies by term Up to 0.50% 0.20% on balances $100 and above4 0.50% 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 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 — Simple rate structure on all daily balances of $100 and above 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 $0.01 — $100 $100 $100 — —
No Monthly Maintenance Service Charge —
Minimum Balance to Open $5 — — — — — $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)6 — — — Contribute up to $6,000 per tax year (possibly $7,000 if over age 50) —
No Monthly Inactivity Fee — — — —
Unlimited Transactions Per Month Allowed —
  Open an Account 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 Member Savings Annual Percentage Yield (APY) effective as of September 1, 2023, and may change after account opening without notice. 0.10% APY on balances $100.00-$2,499.99; 0.15% APY on balances $2,500.00-$49,999.99; 0.20% APY on balances $50,000.00 and Above. Minimum 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. 
  2. 2 High Yield Savings promotional Annual Percentage Yield (APY) accurate as of September 1, 2023. High Yield Savings is a tiered savings account paying a variable dividend rate, that may change at any time, on the entire balance in your account based on the rate for the tier corresponding to each day’s daily balance. Balances of $10,000.00 and above will earn a fixed promotional Annual Percentage Yield (APY) of 4.25% until October 31, 2023. The APY is 0.10% on balances up to $9,999.99. The promotional APY is available for new money only which are funds not on deposit at Elements for 90 days prior to opening the High Yield Savings account. Existing Elements members with savings accounts are eligible for the promotional APY upon depositing $25,000.00 or more of new money within 10 days of opening the High Yield Savings account. Existing Elements members with savings accounts with combined daily balances of $2,500.00 or less for the 90 days prior to account opening are excluded from the new money requirement. On November 1, 2023, the promotional APY will automatically convert to the then current non-promotional APY which is variable and may change at any time without notice. Additional information for each tier: A promotional APY of 0.10% applies to accounts with balances from $0.01 to $99.99; from $100.00 to $2,499.99; and from $2,500.00 to $9,999.99. A promotional APY of 4.25% applies to accounts with balances from $10,000.00 to $24,999.99; from $25,000.00 to $49,999.99; from $50,000.00 to $99,999.99; from $100,000.00 to $249,999.99; and $250,000.00 and above. At least one account holder must be 18 years of age. Other qualifications may apply. Promotional offer may be discontinued at any time. Fees may reduce earnings.
  3. 3 Helium Savings Annual Percentage Yield (APY) effective as of September 1, 2023, and may change after account opening without notice. 0.10% APY on balances $0.01-$2,499.99; 1.00% APY on balances $2,500.00-$9,999.99; 1.00% APY on balances $10,000.00 and Above. $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, 2023, and may change after account opening without notice. 0.20% APY on balances $100.00 and Above. Minimum daily balance of $100 required to earn dividends. Fees may reduce earnings. No monthly Maintenance Service Charge. No minimum balance requirements apply.
  5. 5 Grow Account Annual Percentage Yield (APY) effective as of September 1, 2023, and may change after account opening without notice. Minimum daily balance of $100 required to earn dividends. Fees may reduce earnings. At least one account owner must be 18 years of age or older, and one account owner must be below the age of 18.
  6. 6 Minimum certificate deposit of $1,000. 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. Elements reserves the right to limit the balance of a certificate at any time.