Log In Close Important Holiday Hours for Thanksgiving — Learn More Rates Better rates and fewer fees than the average bank. Questions? Call 1-800-621-2105 Home Rates Deposits Checking High Interest Checking High Interest Checking Dividend Rate APY Balance up to $20,000 1.98% 2.00% Portion of Balance > $20,000 0.10% 0.10% Non-Qualifying Rate 0.05% 0.05% High Interest Checking Account Annual Percentage Yield (APY) effective as of November 1, 2021, is variable and may change after account is opened without notice. The APY is 2.00% on balances up to $20,000 and 0.10% on balances greater than $20,000 on accounts with 15 qualifying transactions per statement cycle. Only the following are qualifying transactions: Debit card purchases, checks, bill payments, ATM withdrawals and ACH withdrawals. No other transactions qualify. Dividends will be paid per statement cycle requirement. At least one account holder must be at least 18 years old. Accounts not meeting the qualifying transaction threshold will earn 0.05% APY. Fees may reduce earnings. More Disclosure Savings Certificate IRA Health Savings Account (HSA) Loans Mortgage Home Equity Auto Loan Boat/RV Loan Motorcycle/ATV Loan Personal Loan Stock Secured Loan Credit Cards Credit Card Business Products Business Savings Business Checking and Loans Questions? Products Online Banking Online Budgeting Tools Checking Savings Loans Credit Cards Wealth Management Business Banking Resources Rates Find an ATM or Branch Financial Calculators Financial Advice Artices Events Getting Started About Elements What's a Credit Union? Benefits of Membership How to Get Started Open an Account Partner with Elements Customer Service News + Happenings Banking Alerts Contact Us Live Chat FAQs Elements Financial 225 South East Street, Suite 300 Indianapolis, IN 46202 1-800-621-2105 Elements Routing #: 274073834 Federally Insured by NCUA If you are using a screen reader and are having problems using this website, please call 1-800-621-2105 for assistance LIKE A BANK, ONLY BETTER © 2017-2021 Elements Financial. All rights reserved. Agreements & Disclosures Privacy Online Privacy Online Security Accessibility Site Map