Log In Close Important Holiday Hours for Thanksgiving — Learn More Home Savings Savings Growing your money today for dreams tomorrow. Compare our popular savings accounts. Member Savings Overview No monthly maintenance fee Tiered interest rates that increase as your account balance grows View Rates A Good Option If: You want to establish your Elements membership You plan to maintain less than a $2,500 daily balance Read More Open an Account Or Call 1-800-621-2105 Continue Existing Application Compare Helium Savings Overview Simple, single-tiered savings account No fees View Rates A Good Option If: You plan to maintain a $2,500 daily balance to earn dividends Read More Open an Account Or Call 1-800-621-2105 Continue Existing Application Compare Hideaway Savings Overview Add to Hideaway Savings all year Easily transfer funds to your Elements checking account when you’re ready to shop No monthly maintenance fee No minimum balance View Rates A Good Option If: You like the idea of out of sight, out of mind You want to stash some cash away for a special goal Read More Open an Account Or Call 1-800-621-2105 Continue Existing Application Compare Youth Savings: The Grow Account Overview Special account only for children under age 18 No monthly maintenance or inactive fees Potential to earn bonus dividends View Rates A Good Option If: You want to teach your kids how to save and manage money Read More Download a Membership Application to Get Started Or Call 1-800-621-2105 Compare Health Savings Account Overview Medical savings account for people enrolled in a high-deductible health plan Contributions can be made by you, your employer, or other individuals Comes with the Elements HSA Visa® Debit Card View Rates A Good Option If: You have a high-deductible health plan (HDHP) You want a safe and convenient way to pay for health expenses You want to save for future medical expenses on a tax-free basis Read More Open an Account Or Call 1-800-621-2105 Continue Existing Application Compare Certificates Overview Similar to a “CD” at a bank Higher rate than most regular savings accounts Available in amounts of $1,000 or more (as little as $500 if under age 18)1 Terms from 6 months to 5 years View Rates A Good Option If: You want a more predictable savings balance You want to diversify beyond traditional savings accounts and other investments Trade-off: Must wait to access funds until the Certificate term is up Read More Buy a Certificate Or Call 1-800-621-2105 Continue Existing Application Compare Traditional and Roth IRAs Overview Save for retirement at any age in a tax-advantaged way Choose between tax-deductible contributions (Traditional IRA) or tax-free withdrawals (Roth IRA) Contribute up to $6,000 per tax year View Rates A Good Option If: You are self-employed or don’t have access to an employer-sponsored plan like a 401(k) You’ve maxed out your 401(k) contribution Trade-off: IRAs can have lower contribution limits than 401(k)s Read More Call to Open an IRA 1-800-621-2105 Compare Trust Accounts Four Types of Trust Accounts: Trust-Owned Account—for revocable trusts Uniform Transfer to Minors Act (UTMA) Account—custodial account for minors Representative Payee Account—for receivers of benefits from the Social Security Administration on behalf of another person Guardianship Account—for guardians to manage funds of a ward A Good Option If: You need to manage funds on behalf of a third party Read More Call to Open a Trust Account 1-800-621-2105 Compare 1 Minimum certificate deposit of $1,000. Maximum is $250,000 deposit per certificate; $1 million per household. Minimum required to open a child’s certificate is $500; child must be under 18 years of age. Minimum of $500 balance required to earn dividends. We may impose a penalty if you withdraw any of the principal before maturity. 0 Selected Compare Now 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