Share Certificates (Fixed Rate) 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 (Fixed Rate) Dividend Rate APY 6 Month Term 3.87% 4.00% 8 Month Term 4.25% 4.40% 1 Year Term 2.92% 3.00% 13 Month Term 4.25% 4.40% 18 Month Term 3.87% 4.00% 2 Year Term 2.92% 3.00% 3 Year Term 2.92% 3.00% 4 Year Term 2.58% 2.65% 5 Year Term 2.68% 2.75% Share Certificate (Fixed Rate) Annual Percentage Yield (APY) effective as of July 1, 2025, 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. Health Savings 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.
Flex Rate Certificates (Variable Rate) Overview Achieve financial fitness with a 12- or 24-month Flex Rate Certificate (Variable Rate) at 4.66% APY1 Adjusts with Prime Rate minus a margin of 3.00% Higher rate than most regular savings accounts Available in amounts of $1,000 or more (as little as $500 if under age 18) Dividend rates that keep pace with a changing rate environment by flexing when the Prime Rate changes, up or down Available in 12- and 24-month terms View Rates A Good Option If: 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 Flex Rate Certificate Or Call 1-800-621-2105 Continue Existing Application Flex Rate Certificate (Variable Rate) Dividend Rate APY 12 Month Term 4.50% 4.66% 24 Month Term 4.50% 4.66% Flex Rate Certificate (Variable Rate) Annual Percentage Yield (APY) effective as of July 1, 2025, and may change without notice. The dividend rate and APY are based on the current Prime Rate index as published in the Wall Street Journal minus a margin of 3.00%. The dividend rate and APY are variable and will adjust the next business day following a change in Prime Rate index. The minimum floor APY for the flex rate certificates is 0.00% and the maximum APY will never be greater than 17.00%. 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. Health Savings 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.
Traditional and Roth IRAs (Fixed Rate) 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 $7,000 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 (Fixed Rate) Dividend Rate APY 6 Month Term 3.87% 4.00% 8 Month Term 4.25% 4.40% 1 Year Term 2.92% 3.00% 13 Month Term 4.25% 4.40% 18 Month Term 3.87% 4.00% 2 Year Term 2.92% 3.00% 3 Year Term 2.92% 3.00% 4 Year Term 2.58% 2.65% 5 Year Term 2.68% 2.75% IRA Annual Percentage Yield (APY) effective as of July 1, 2025, 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. Health Savings 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 IRA at any time.
Traditional and Roth Flex Rate IRAs (Variable Rate) Overview Adjusts with Prime Rate minus a margin of 3.00% 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 $7,000 per tax year Dividend rates that keep pace with a changing rate environment by flexing when the Prime Rate changes, up or down 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 a Flex Rate IRA1-800-621-2105 Flex Rate IRAs (Variable Rate) Dividend Rate APY 12 Month Term 4.50% 4.66% 24 Month Term 4.50% 4.66% Flex Rate IRA Annual Percentage Yield (APY) effective as of July 1, 2025, and may change without notice. The dividend rate and APY are based on the current Prime Rate index as published in the Wall Street Journal minus a margin of 3.00%. The dividend rate and APY are variable and will adjust the next business day following a change in Prime Rate index. The minimum floor APY for the flex rate certificates is 0.00% and the maximum APY will never be greater than 17.00%. 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. Health Savings 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.
