Credit union · NCUA insured
Elements Financial Savings Rates
Top CarrotElements Financial’s best savings rate is 2.15% APY on $10,000, with its High Yield Savings. Rates checked October 15, 2026.
How Elements Financial’s savings 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
2.15%APY
- Minimum
- —
- Earns on $10,000 a year
- $215
High Yield Savings
Top rate
CFBank
4.25%APY
- Minimum
- —
- Earns on $10,000 a year
- $425
2nd-highest rate
Northwest Bank
4.00%APY
- Minimum
- $1
- Earns on $10,000 a year
- $400
Elements Financial savings score
89
Savings score
Higher than 89% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0002.15%
- $100,000 balance$100,0004.00%
- QualifiedQualified2.15%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
High Yield Savings Plus
2.00%APY
Promotional savings account offering fixed 4.00% APY on balances of $15,000.00 or more for first 8 months with at least $15,000 in new money deposited (funds not on deposit at Elements within 30 days prior). Tiered rate based on daily balance. After 8 months, converts to standard non-promotional High Yield Savings tier structure. No monthly Maintenance Service Charge. At least one account holder must be 18 years of age.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Up to $100Unknown to open | 0.10% | Unknown | — | |
| $100 – $2,500Unknown to open | 0.10% | Unknown | — | |
| $2,500 – $10,000Unknown to open | 0.25% | Unknown | — | |
| $10,000 – $15,000Unknown to open | 2.00% | Unknown | $200 | |
| $15,000 and upPromotional fixed rate for first 8 months when depositing a minimum of $15,000.00 in new money not on deposit at Elements within 30 days prior to opening. · $15,000 to open | 4.00% | $15,000 | — | Promotional fixed rate for first 8 months when depositing a minimum of $15,000.00 in new money not on deposit at Elements within 30 days prior to opening. |
High Yield Savings
2.15%APY
Tiered savings account paying variable rate. Available for new money only (funds not on deposit at Elements for 90 days prior to opening). Existing members must deposit $25,000 or more of new money within 10 days of opening, unless combined daily savings balance was $2,500 or less for the prior 90 days. No monthly Maintenance Service Charge. At least one account holder must be 18 years of age.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $100 | 0.10% | — |
| $100 – $2,500 | 0.20% | — |
| $2,500 – $10,000 | 0.50% | — |
| $10,000 – $25,000 | 2.15% | $215 |
| $25,000 – $50,000 | 2.45% | — |
| $50,000 – $100,000 | 2.75% | — |
| $100,000 – $250,000 | 3.05% | — |
| $250,000 and up | 3.15% | — |
Sources (1)
- elements.org/personal/savings · captured Oct 5, 2026
Helium Savings
1.00%APY
$5 required minimum balance to open the account. No monthly Maintenance Service Charge.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.10% | — |
| $2,500 – $10,000 | 1.00% | — |
| $10,000 and up | 1.00% | $100 |
Sources (2)
All captured Oct 5, 2026
Hideaway Savings
0.20%APY
Minimum daily balance of $100 required to earn dividends. No monthly Maintenance Service Charge. No minimum balance requirements apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum daily balance of $100 required to earn dividends.$100 and up | 0.20% | $20 | Minimum daily balance of $100 required to earn dividends. |
Sources (1)
- elements.org/personal/savings · captured Oct 5, 2026
Member Savings
0.15%APY
No monthly Maintenance Service Charge. $5 required minimum balance to open the account. Minimum daily balance of $100 required to earn dividends.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $2,500Minimum daily balance of $100 required to earn dividends. | 0.10% | — | Minimum daily balance of $100 required to earn dividends. |
| $2,500 – $50,000Minimum daily balance of $100 required to earn dividends. | 0.15% | $15 | Minimum daily balance of $100 required to earn dividends. |
| $50,000 and upMinimum daily balance of $100 required to earn dividends. | 0.20% | — | Minimum daily balance of $100 required to earn dividends. |
Sources (1)
- elements.org/personal/savings · captured Oct 5, 2026
Special-purpose accounts
Grow Account
1.00%APY
For members under age 18. At least one account owner must be 18 years of age or older, and one account owner must be below the age of 18. $5 required minimum balance to open. Minimum daily balance of $100 required to earn dividends. No monthly Maintenance Service Charge or Inactivity Fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum daily balance of $100 required to earn dividends.$100 and up | 1.00% | $100 | Minimum daily balance of $100 required to earn dividends. |
Sources (3)
- elements.org/personal/savings
- elements.org/personal/savings/grow-account
- elements.org/personal/savings?…template=ComparisonTable
All captured Oct 5, 2026
IRA Savings
0.21%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.21% | $21 |
Sources (1)
- elements.org/rates · 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.