Skip to main content

Share Certificates (Fixed Rate)

The savings that boosts your return with a highly competitive rate.

Buy a Certificate

Or call 1-800-621-2105

Share Certificate (Fixed Rate) Dividend Rate  APY 
6 Month Term 4.35% 4.50%
8 Month Term 4.59% 4.75%
1 Year Term 2.92% 3.00%
13 Month Term 3.87% 4.00%
18 Month Term 3.64% 3.75%
2 Year Term 2.92% 3.00%
3 Year Term 2.92% 3.00%
4 Year Term 2.58% 2.65%
5 Year Term 2.68% 2.75%

Share Certificate (Fixed Rate) Annual Percentage Yield (APY) effective as of January 1, 2025, and may change without notice. Minimum deposit of $1,000 to open certificate. Primary members under the age of 18 must have a $500 minimum deposit to open certificate. Minimum of $500 balance required to earn dividends. Health Savings account funds are not eligible. Fees may reduce earnings. Penalty for early withdrawal. Elements reserves the right to amend or discontinue offers at any time and to limit the balance of a certificate at any time.

Share Certificates (Fixed Rate)

For funds you don’t need to access quickly.

KEY FEATURES

  • 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)
  • Dividend rates that increase with the length of the Certificate term
  • Other terms and rates available from 6 months to 5 years

Buy a Certificate

MIGHT BE A GOOD CHOICE 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

Compare to Other Savings Options

I found the certificate rates at Elements and knew I needed to take advantage of them. Best in town!!

- Tanner E. | Member since 2015

How Much Will My Certificate Earn?

Certificate Calculator

Results

after ___ months

Results do not include potential taxes on dividends.

  1. 1 Member Savings Annual Percentage Yield (APY) effective as of January 1, 2025, and may change after account opening without notice. 0.10% APY on balances $100.00-$2,499.99; 0.15% APY on balances $2,500.00-$49,999.99; 0.20% APY on balances $50,000.00 and Above. Minimum daily balance of $100 required to earn dividends. $5 required minimum balance to open the account. No monthly Maintenance Service Charge. Fees may reduce earnings. 
  2. 2 High Yield Savings Annual Percentage Yield (APY) accurate as of January 1, 2025. High Yield Savings is a tiered savings account paying a variable dividend rate, that may change at any time, on the entire balance in your account based on the rate for the tier corresponding to each day’s daily balance. The account is available for new money only which are funds not on deposit at Elements for 90 days prior to opening the High Yield Savings account. Existing Elements members with savings accounts must deposit $25,000.00 or more of new money within 10 days of opening the High Yield Savings account. Existing Elements members with savings accounts with combined daily balances of $2,500.00 or less for the 90 days prior to account opening are excluded from the new money requirement. Additional information for each tier: An APY of 0.10% applies to accounts with balances from $0.00 to $99.99; from $100.00 to $2,499.99; and from $2,500.00 to $9,999.99. An APY of 4.00% applies to accounts with balances from $10,000.00 to $24,999.99; from $25,000.00 to $49,999.99; from $50,000.00 to $99,999.99; from $100,000.00 to $249,999.99; and $250,000.00 and above. At least one account holder must be 18 years of age. Other qualifications may apply. Offer may be discontinued at any time. Fees may reduce earnings.
  3. 3 Based on asset size as of 9/3/2024.