Share Certificates Overview Similar to a CD at a bank Higher rate than most regular savings accounts Available in amounts of $1,000 or more (as little as $500 if under age 18) Other terms and rates available from 6 months to 5 years View Rates A Good Option If: You want a more predictable savings balance You want to diversify beyond traditional savings accounts and other investments Trade-off: Must wait to access funds until the Certificate term is up Read More Buy a Certificate Or Call 1-800-621-2105 Continue Existing Application Share Certificate Dividend Rate APY 6 Month Term 3.54% 3.65% 8 Month Term 3.78% 3.90% 1 Year Term 2.44% 2.50% 13 Month Term 3.06% 3.15% 18 Month Term 3.06% 3.15% 2 Year Term 2.20% 2.25% 3 Year Term 2.20% 2.25% 4 Year Term 2.58% 2.65% 5 Year Term 2.68% 2.75% Share Certificate Annual Percentage Yield (APY) effective as of May 1, 2026, and may change without notice. Minimum deposit of $1,000 to open certificate. Primary members under the age of 18 must have a $500 minimum deposit to open certificate. Minimum of $500 balance required to earn dividends. Unless redeemed, upon maturity, the 8-month certificate will automatically reinvest into a 6-month certificate at the then current APY; the 13-month certificate will automatically reinvest into a 12-month certificate at the then current APY. Penalty for early withdrawal. Elements reserves the right to amend or discontinue offers at any time and to limit the balance of a certificate at any time.
Traditional and Roth IRAs Overview Save for retirement at any age in a tax-advantaged way Choose between tax-deductible contributions (Traditional IRA) or tax-free withdrawals (Roth IRA) Contribute up to $7,500 per tax year View Rates A Good Option If: You are self-employed or don’t have access to an employer-sponsored plan like a 401(k) You’ve maxed out your 401(k) contribution Trade-off: IRAs can have lower contribution limits than 401(k)s Read More Call to Open an IRA1-800-621-2105 IRAs Dividend Rate APY 6 Month Term 3.54% 3.65% 8 Month Term 3.78% 3.90% 1 Year Term 2.44% 2.50% 13 Month Term 3.06% 3.15% 18 Month Term 3.06% 3.15% 2 Year Term 2.20% 2.25% 3 Year Term 2.20% 2.25% 4 Year Term 2.58% 2.65% 5 Year Term 2.68% 2.75% IRA Annual Percentage Yield (APY) effective as of May 1, 2026, and may change without notice. Minimum deposit of $1,000 to open IRA. Primary members under the age of 18 must have a $500 minimum deposit to open IRA. Minimum of $500 balance required to earn dividends. Unless redeemed, upon maturity, the 8-month certificate will automatically reinvest into a 6-month certificate at the then current APY; the 13-month certificate will automatically reinvest into a 12-month certificate at the then current APY. Penalty for early withdrawal. Elements reserves the right to amend or discontinue offers at any time and to limit the balance of a IRA at any time. Contribution eligibility and tax deductibility may be limited based on income and tax‑filing status. Traditional IRAs are subject to required minimum distribution (RMD) rules.
Advantage Certificate Overview Secure a high, fixed return for a full 13 month term Ability to add to your certificate — one time, up to your initial deposit amount — for a full six months after account opening Earn significantly more than a standard savings account Available in amounts of $1,000 or more (as little as $500 if under age 18) View Rates A Good Option If: You have a tax refund, work bonus, or maturing investment arriving in the next few months. You want to diversify beyond traditional savings accounts and other investments Trade-off: Must wait to access funds until the Certificate term is up Read More Buy a Certificate Or Call 1-800-621-2105 Continue Existing Application Advantage Certificate Dividend Rate APY 13 Month Term 3.39% 3.50% Advantage Certificate Annual Percentage Yield (APY) effective as of May 1, 2026, and may change without notice. Minimum deposit of $1,000 to open certificate. Primary members under the age of 18 must have a $500 minimum deposit to open certificate. Minimum of $500 balance required to earn dividends. With the Advantage Certificate, one (1) additional deposit may be credited to the certificate within the first six months of the term. The maximum allowable additional deposit must not exceed the amount of the initial deposit. For example, if you open this certificate with a $1,000 deposit, the amount of the one additional deposit is limited to $1,000. Any funds over $1,000 will be transferred into your member share account. All Advantage Certificates automatically renew into a 1 year share certificate at the then current dividend rate and APY, with no option for additional deposits. Maximum three (3) Advantage Certificates per household. Penalty for early withdrawal. Elements reserves the right to amend or discontinue offers at any time and to limit the balance of a certificate at any time.
Youth Certificates Overview Offered for ages 24 and under Similar to a CD at a bank Higher rate than most regular savings accounts Available in amounts as little as $100.00 with a maximum of $20,0001 One-year term available View Rates A Good Option If: Perfect for milestones: To be opened to celebrate a birthday or graduation You want a more predictable savings balance Trade-off: Must wait to access funds until the Certificate term is up Read More Buy a Youth Certificate Online (Ages 18-24)Download a Youth Certificate Application (Ages 17 & Under) Or Call 1-800-621-2105 Continue Existing Application Youth Share Certificates Dividend Rate APY Birthday - 1 Year Term 2.44% 2.50% Graduation - 1 Year Term 2.44% 2.50% Holiday - 1 Year Term 2.44% 2.50% Youth Certificates: Birthday, Graduation, and Holiday Certificate Annual Percentage Yield (APY) effective as of May 1, 2026, and may change without notice. Minimum deposit of $100.00 to open certificate. Maximum balance is limited to $20,000.00. At the time of account opening, the primary account owner must be the age of 24 or younger, and at least one account owner must be 18 years of age or older. Minimum of $100 balance required to earn dividends. Individual Retirement account funds are not eligible. Penalty for early withdrawal. Elements reserves the right to amend or discontinue offers at any time and to limit the balance of a certificate at any time.
