Elements Financial rates: up to 4.50% APY
credit union · NCUA CHARTER 22468 · www.elements.org/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Helium Savings | $0.01 - $2,499.99 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Helium Savings | $2,500.00 - $9,999.99 | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Helium Savings | $10,000.00 and Above | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Hideaway Savings | $100 and Above | 0.20% | APY | 2026-11-01 | since 2026-11-01 | |
| Hideaway Savings | $100.00 and Above | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| High Yield Savings | $0.01 - $99.99 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| High Yield Savings | $100.00 - $2,499.99 | 0.20% | APY | 2026-11-01 | since 2026-11-01 | |
| High Yield Savings | $2,500.00 - $9,999.99 | 0.50% | APY | 2026-11-01 | since 2026-11-01 | |
| High Yield Savings | $10,000.00 - 24,999.99 | 2.15% | APY | 2026-11-01 | since 2026-11-01 | |
| High Yield Savings | $25,000.00 - $49,999.99 | 2.45% | APY | 2026-11-01 | since 2026-11-01 | |
| High Yield Savings | $50,000.00 - $99,999.99 | 2.75% | APY | 2026-11-01 | since 2026-11-01 | |
| High Yield Savings | $100,000.00 - $249,999.99 | 3.05% | APY | 2026-11-01 | since 2026-11-01 | |
| High Yield Savings | $250,000.00 and Above | 3.15% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Savings | All Balances | 0.21% | APY | 2026-11-01 | since 2026-11-01 | |
| Member Savings | $100.00 - $2,499.99 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Member Savings | $2,500.00 - $49,999.99 | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Member Savings | $50,000.00 and Above | 0.20% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Buy a Certificate | 6 Month Term | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 6 Month Term | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Buy a Certificate | 8 Month Term | 4.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 8 Month Term | 4.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Buy a Certificate | 1 Year Term | 2.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 1 Year Term | 2.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Holiday - 1 Year Term | 1 year | 2.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Youth Certificates | Birthday - 1 Year Term | 2.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Youth Certificates | Graduation - 1 Year Term | 2.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Advantage Certificate | 13 Month Term | 3.65% | APY | 2026-11-01 | since 2026-11-01 | |
| Buy a Certificate | 13 Month Term | 4.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 13 Month Term | 4.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Buy a Certificate | 18 Month Term | 4.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 18 Month Term | 4.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Buy a Certificate | 2 Year Term | 2.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 2 Year Term | 2.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Buy a Certificate | 3 Year Term | 2.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 3 Year Term | 2.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Buy a Certificate | 4 Year Term | 2.65% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 4 Year Term | 2.65% | APY | 2026-11-01 | since 2026-11-01 | |
| Buy a Certificate | 5 Year Term | 2.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificate of Deposit | 5 Year Term | 2.75% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| High Interest Checking | Balances up to $20,000 | 2.00% | APY | 2026-11-01 | since 2026-11-01 | |
| High Interest Checking | Non-Qualifying Rate | 0.05% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.elements.org/open-an-account/?path=Savings | — | extract-failed | |
| www.elements.org/personal/savings/ | 2026-11-01 18:24 UTC | ok | 17a5780f4040 |
| www.elements.org/rates/ | 2026-11-01 18:24 UTC | ok | ae26ad76a5f1 |