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Member Savings

Establish your Elements membership while earning competitive, tiered dividend rates.

Open an Account

Or call 1-800-621-2105

Member Savings Dividend Rate  APY 
$100.00 - $2,499.99 0.10% 0.10%
$2,500.00 - $49,999.99 0.15% 0.15%
$50,000.00 and Above 0.20% 0.20%

Member Savings Annual Percentage Yield (APY) effective as of November 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. 

Member Savings

We start you off with $5 when you open your account to become a member.

KEY FEATURES

  • No monthly Maintenance Service Charge
  • Tiered dividend rates that increase as your account balance grows
  • Maintain a minimum daily balance of $100 to earn dividends

Open an Account

MAY BE A GOOD CHOICE IF

  • You want to establish your Elements membership
  • You plan to maintain less than a $2,500 daily balance

Compare to Other Savings Accounts

Over the years, I've saved plenty of money for my home, kids and retirement in my Elements savings account.

- John V. | Member since 2002

How Much Should I Save to Reach My Goal?

Savings Calculator

Results

  1. 1 Member Savings Annual Percentage Yield (APY) effective as of November 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 November 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 4.00% 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 Based on asset size as of 12/31/2022.