Helium Savings

Simple, Single-Tiered Dividend Rates

Helium Savings can be a good choice if you plan to maintain a daily balance of $2,500 or higher. The account has a simple, single-tiered rate structure, which means it offers the same dividend rate for all average daily balances over $2,500.

No Fees

Helium Savings also has no fees, so you maintain both your account balance and the interest you earn. There’s no fee for keeping the money in the account or withdrawing it, as needed.

With Helium Savings, you'll also enjoy:

• No monthly maintenance fee
• Option to request an Elements ATM card to use at more than 78,000 surcharge-free ATMs worldwide
• Shared branch access at more than 5,000 branches nationwide
• Ability to manage your account in Online Banking or the Mobile App from any device
• Convenience of direct deposit of your payroll or federal benefits

Compare to Other Savings Accounts Open an Account

Compare Helium Savings to our other options below.

No Maintenance Fee

The Helium Savings Account has NO monthly service fee. 

Inactive Relationship Fee

There is a $5/month fee assessed if your checking and savings accounts have had no activity for at least 12 months; you have no other active deposit, loan or credit card product with Elements; and deposit balances total $1,000 or less. It is collected from the first checking or savings account that has sufficient funds to satisfy the fee, starting with checking and then moving to savings until the full fee is collected.

Yes! It’s easy to do your banking and budgeting with Elements — no matter where you are. Our goal with Online Banking is simple: to provide you with a state-of-the-art digital banking experience that you can count on and is consistent across all devices.

With Elements Online Banking and our Mobile App, you can:

• Check your balances, make loan payments, and transfer money between accounts
• Deposit checks using your phone or computer camera
• View check images online
• Pay your bills online 24/7/365
• Review your account history with a 14-month electronic archive of statements
• Locate branches and ATMs near you
• See your SavvyMoney credit score with any checking account or loan
• Pay friends and family conveniently with Pay a Friend from Elements, plus other digital wallet options
• And more

Learn More about Online Banking & Mobile App

Like a Bank, Only Better!

Better Rates. Fewer Fees.

Because we’re a credit union, we return profits to members in the form of reduced fees, higher savings rates and lower loan rates.

Trusted Advice. Fresh Approach.

We pride ourselves in being a trusted source for financial education. Your financial wellness expert will come to your workplace to answer questions and provide you with one-on-one assistance as you navigate the changes that come with each of life's stages.

Respected Locally. Accessed Globally.

Headquartered in Indianapolis since 1930, we rank among the top 3% of credit unions nationally⁴. We serve members in all 50 states and 50+ countries. You’ll have access to 5,000+ shared branches nationwide and 78,000+ surcharge-free ATMs globally.

High Tech. Human Touch.

Our technology makes banking with Elements easy. From quick digital applications to online and mobile banking, we’ll be by your side wherever you go. We’re here for you with member service available 24/7 and live chat during the workday.

Get Started

Getting started is as easy as 1-2-3!

1. Open an account online - Open an account online in as little as 10 minutes. Or call 1-800-621-2105 to get started. Have your government-issued ID (driver’s license, state ID, or passport) and your Social Security number ready.
2. Check your email - You will receive an email within one business day to notify you of account approval. That’s it! Your Helium Savings Account is now open.
3. Enroll in online banking - Easily check your balances, make loan payments, pay bills and transfer money between accounts from your smartphone, tablet, laptop or desktop. Learn more about Online Banking.

Open an Account