Credit union · NCUA insured
Elements Financial CD Rates
Top CarrotElements Financial’s best CD rate is 4.50% APY on an 8-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How Elements Financial’s CD rates compare
Compared with banks and credit unions near Indianapolis, IN, where Elements Financial has the most branches. $10,000, best rate first.
This credit union’s best
Elements Financial
4.50%APY
- Term
- 8 months
- Minimum
- $1,000
- Earns on $10,000
- $298
Share Certificates
Top rate
IU Credit Union
4.50%APY
- Term
- 6 months
- Minimum
- $2,000
- Earns on $10,000
- $223
3rd-highest rate
GenFed Credit Union
4.50%APY
- Term
- 12 months
- Minimum
- —
- Earns on $10,000
- $450
Elements Financial CD score
95
CD score
Higher than 98% of U.S. banks and credit unions
- 3–8 months3–8 mo4.50%
- 9–15 months9–15 mo4.50%
- 16–30 months16–30 mo4.50%
- 31–60 months31–60 mo2.75%
- QualifiedQualified4.50%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Elements Financial ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 4.50%APY · 9 terms
Minimum deposit of $1,000 to open certificate ($500 for primary members under age 18). Minimum of $500 balance required to earn dividends. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsOpening minimum is $500 for primary members under age 18 | 4.00% | $198 |
| 8 monthsOpening minimum is $500 for primary members under age 18. Unless redeemed, upon maturity automatically reinvests into a 6-month certificate at the then current APY | 4.50% | $298 |
| 12 monthsOpening minimum is $500 for primary members under age 18 | 2.75% | $275 |
| 13 monthsOpening minimum is $500 for primary members under age 18. Unless redeemed, upon maturity automatically reinvests into a 12-month certificate at the then current APY | 4.50% | $488 |
| 18 monthsOpening minimum is $500 for primary members under age 18 | 4.50% | $683 |
| 24 monthsOpening minimum is $500 for primary members under age 18 | 2.25% | $455 |
| 36 monthsOpening minimum is $500 for primary members under age 18 | 2.25% | $690 |
| 48 monthsOpening minimum is $500 for primary members under age 18 | 2.65% | $1,103 |
| 60 monthsOpening minimum is $500 for primary members under age 18 | 2.75% | $1,453 |
Sources (3)
All captured Oct 5, 2026
Advantage Certificate
3.65%APY · 1 term
Minimum deposit of $1,000 to open certificate ($500 for primary members under age 18). Minimum of $500 balance required to earn dividends. With the Advantage Certificate, one additional deposit may be credited to the certificate within the first 6 months up to the initial deposit amount. Automatically renews into a 1 year share certificate at maturity. Maximum 3 Advantage Certificates per household. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 monthsOpening minimum is $500 for primary members under age 18. One additional deposit up to initial deposit amount allowed in first 6 months. Renews into 1-year share certificate at maturity. Maximum 3 Advantage Certificates per household | 3.65% | $396 |
Sources (3)
- elements.org/personal/savings
- elements.org/personal/savings/certificates-and-iras
- elements.org/personal/savings/…as/advantage-certificate
All captured Oct 5, 2026
Special-purpose accounts
IRA Certificates
Up to 4.50%APY · 9 terms
Available as Traditional and Roth IRAs (Fixed Rate). Minimum deposit of $1,000 to open ($500 for primary members under age 18). Minimum of $500 balance required to earn dividends. Penalty for early withdrawal. Contribution eligibility and tax deductibility may be limited based on income and tax-filing status. Traditional IRAs are subject to required minimum distribution (RMD) rules.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsOpening minimum is $500 for primary members under age 18 | 4.00% | $198 |
| 8 monthsOpening minimum is $500 for primary members under age 18. Unless redeemed, upon maturity automatically reinvests into a 6-month certificate at the then current APY | 4.50% | $298 |
| 12 monthsOpening minimum is $500 for primary members under age 18 | 2.75% | $275 |
| 13 monthsOpening minimum is $500 for primary members under age 18. Unless redeemed, upon maturity automatically reinvests into a 12-month certificate at the then current APY | 4.50% | $488 |
| 18 monthsOpening minimum is $500 for primary members under age 18 | 4.50% | $683 |
| 24 monthsOpening minimum is $500 for primary members under age 18 | 2.25% | $455 |
| 36 monthsOpening minimum is $500 for primary members under age 18 | 2.25% | $690 |
| 48 monthsOpening minimum is $500 for primary members under age 18 | 2.65% | $1,103 |
| 60 monthsOpening minimum is $500 for primary members under age 18 | 2.75% | $1,453 |
Youth Certificates
2.50%APY · 1 term
Offered for primary account owners aged 24 or younger at account opening, with at least one account owner age 18 or older. Minimum deposit of $100.00 to open, minimum $100 balance required to earn dividends. Maximum balance is limited to $20,000.00. Individual Retirement account funds are not eligible. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsBirthday certificate option. Primary owner must be 24 or younger, at least one owner must be 18+. IRA funds not eligible | 2.50% | $250 |
Sources (2)
- elements.org/personal/savings/…-iras/youth-certificates
- elements.org/personal/savings/certificates-and-iras
All captured Oct 5, 2026
Who can join Elements Financial
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of partner companies and organizations across the country are eligible for membership through employee benefit packages.
Family and household
- Immediate family or household members of an existing Elements account holder are eligible for membership.
Membership information collected October 5, 2026.