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  Member Savings High Yield Savings Share Certificates (Fixed Rate) Flex Rate Certificates (Variable Rate) Helium Savings Hideaway Savings Grow Account Health Savings Account Traditional & Roth IRAs Trust Accounts
  Open an Account Open an Account Buy a Share Certificate Buy a Flex Rate Certificate Open an Account 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

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

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 greater2 Varies by term Varies by term 1.00% on balances $2,500 and above3 0.20% on balances $100 and above4 0.50% on balances $100 and above5 Up to 0.50%6 Varies by term and/or product 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 Dividend rates that adjust with the Prime Rate 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 as your account balance grows Fixed Rate options offer tiered dividend rates that increase with the length of the IRA term. We also offer a Variable Rate option that changes when the Prime Rate changes (up or down) 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 12 and 24 months — — — — Fixed Rate option: 6 months to 10 years // Flex Rate: 12- and 24-month —
Available Amounts — — $1,000 or more ($500 or more if under age 18) $1,000 or more ($500 or more if under age 18) — — — — Contribute up to $7,000 per tax year (possibly $8,000 if over age 50) —
No Monthly Inactivity Fee — — — —
Unlimited Transactions Per Month Allowed — —
  Open an Account Open an Account Buy a Share Certificate Buy a Flex Rate Certificate Open an Account 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 July 1, 2024, 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 Annual Percentage Yield (APY) accurate as of July 1, 2024. 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. The account 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 must deposit $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. Additional information for each tier: An APY of 0.10% applies to accounts with balances from $0.00 to $99.99; from $100.00 to $2,499.99; and from $2,500.00 to $9,999.99. An 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. Offer may be discontinued at any time. Fees may reduce earnings.
  3. 3 Helium Savings Annual Percentage Yield (APY) effective as of July 1, 2024, 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 July 1, 2024, 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 July 1, 2024, 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 Health Savings Account Annual Percentage Yield (APY) effective as of July 1, 2024, and may change after account opening without notice. An APY of 0.10% applies to accounts with balances from $0.01 to $2,499.99; An APY of 0.30% applies to accounts with balances from $2,500.00 to $9,999.99; and from $10,000.00 to $24,999.99; An APY of 0.49% applies to accounts with balances of $25,000.00 and above. Fees may reduce earnings.