Elements Financial Credit Union, 2.10% APY Guaranteed for 1 Year on New Accounts

Elements Financial Credit Union offer

Elements Financial Credit Union, 2.10% APY Guaranteed for 1 Year on New Accounts

Elements Financial Credit Union is offering a 2.10% APY on balances of $2,500 or more. And, the rate is guaranteed for 12 months. The rate was increased last year, but the rate is now guaranteed for a whole year for new accounts. You can check other high yield accounts here.


Helium Savings Promotion APY of 2.10% is for new Helium accountholders depositing a maximum $250,000 new money from other financial institutions and is good for the first 1 year (12 statement cycles) from account opening.

Money on deposit with Elements financial over the last 90 days is not eligible for the Promotion APY. After the 1-year promo period, dividend rate will reset to the then current Helium Savings rate and may change without notice.

  • No monthly maintenance fees associated with this account.
  • $2,500 average daily balance or more required to earn dividends.

Offer Page


  • Offer is available nationwide even though the website shows it for State of Indiana employees and family members.
  • Existing Helium accountholders do not qualify for offer.


There’s no monthly fee for the High Interest Checking account if you sign up for eStatements.

If the account is closed within six months, we reserve the right to deduct the bonus at that time.

Credit Union Membership

You will need to be a member first in order to apply. Anyone can join Elements Financial Credit Union. The easiest option is to pay a one time $5 fee to Tru Direction. If you’re a family member of current members you don’t need to do this.

Guru’s Wrap-Up

Previosuly they had a signup bonus, but the interest rate was lower and limited to $20K only. Now you can earn 2.10% APY on balances up to $250K and it is guaranteed for a year. The account has a $5 monthly fee that is waived with eStatements. Just keep in mind that this credit union is inquiry sensitive.

If this offer is not for you, then you can check our full list of available bank bonuses. And, if you’re new to bank account bonuses, you can learn more about churning bank accounts here.


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