Find the latest Elements Financial Bank CD Rates, Offers, and Promotions here.
Update 6/11/24: Some rates have slightly increased – though the 8 month term is still competitive. There are better rates – we recommend checking out the CDs from Rising Bank, Banc of California, Alliant Credit Union.
Best CD Rates: 5.15% APY 8-Month, 4.85% 13-Month Term Special, $1000 minimum
Availability: Nationwide
Credit Inquiry: Unknown
About Elements Financial
Elements Financial was established in 1976 and as of November of 2019, it had grown to 177 employees and 110,008 members.
Elements Financial offers a vast array of products including CD options for all of your specific financial needs. From checking and savings account to loans and CDs, you are bound to find one that works for you.
| Term | APY Rate | Minimum Deposit |
| 6-Month | 2.50% | $1,000 |
| 8-Month | 5.15% | $1,000 |
| 12-Month | 2.60% | $1,000 |
| 13-Month | 4.85% | $1,000 |
| 18-Month | 4.25% | $1,000 |
| 24-Month | 2.70% | $1,000 |
| 36-Month | 2.80% | $1,000 |
| 48-Month | 2.90% | $1,000 |
| 60-Month | 3.00% | $1,000 |
*The above rates are accurate as of 6/11/2024*
Elements Financial CD Rates
CDs are a certificate issued by a bank to a person depositing money for a specified length of time. Usually the longer of a term, the higher APY rate you make.
With as little as $10,000, you can invest in a Elements Financial CD account to maximize your earnings. Compare their offering now to find the solutions that fit best with your savings goals. If you’re interested in making a higher rate than a traditional savings account then make sure to check out below CD rates.
- Minimum deposit: $1,000
- Maximum deposit: None Listed
- Early withdrawal penalty: 90 days interest on the amount withdrawn
(NCUA Insured)
| Alliant Credit Union 12-Month Certificate (4.30% APY) | Quontic Bank CD (Up to 4.25% APY) |
| Western Alliance Bank 3-Month CD (4.50% APY) | Western Alliance Bank 12-Month CD (4.25% APY) |
| Ponce Bank 3-Month CD (4.52% APY) | Blue Federal Credit Union 9-Month No Penalty CD (3.75% APY) |
| Rising Bank 6-Month CD (4.35% APY) | Rising Bank 12-Month CD (4.25% APY) |
| Sun Canyon Bank 11-Month CD (3.98% APY) | Ponce Bank 4-Month No-Penalty CD (4.20% APY) |
Elements Financial CD Features
- Dividends compounded and credited monthly
- Competitive rates for all terms
- No monthly maintenance fee
- NCUA Insured up to $250,000
Bottom Line
Whether you are interested in a short term or long term CD, look no further than Elements Financial. All you need to do is to pick your CD term and watch your money grow.
This is ideal for accounts like Certificate of Deposits, which require very little maintenance. The rates are worth a look, but always compare them with the nation’s best using our guides: CD Rates | Savings Rates.
| Ponce Bank | 4.52% APY 3-Month High Yield CD | Review |
| Service Credit Union | 4.50% APY 6-Month CD | Review |
| Western Alliance Bank | 4.50% APY 3-Month CD | Review |
| Western Alliance Bank | 4.40% APY 6-Month CD | Review |
| Live Oak Bank | 4.40% APY 12-Month CD | Review |
| Live Oak Bank | 4.40% APY 12-Month Business CD | Review |
| Rising Bank | 4.35% APY 6-Month CD | Review |
| Alliant Credit Union | 4.30% APY 12-Month Certificate | Review |
| Rising Bank | 4.25% APY 12-Month CD | Review |
| Quontic Bank | Up to 4.25% APY CD | Review |
| Western Alliance Bank | 4.25% APY 12-Month CD | Review |
| Ponce Bank | 4.20% APY 4-Month No-Penalty CD | Review |
| First Mid Bank & Trust | 4.08% APY 9-Month CD | Review |
| Discover Bank | 4.00% APY 12-Month CD | Review |
| Sallie Mae | 4.00% APY 14-Month CD | Review |
| Sun Canyon Bank | 3.98% APY 11-Month CD | Review |
| Sallie Mae | 3.95% APY 10-Month CD | Review |
| Western Alliance Bank | 3.85% APY 5-Month CD | Review |
| GreenState Credit Union | 3.80% APY 10-Month CD | Review |
| Blue Federal Credit Union | 3.75% APY 9-Month No Penalty CD | Review |
| Blue Federal Credit Union | 3.75% APY 15-Month CD | Review |
| CIT Bank | 3.50% APY 13-Month CD | Review |
| CIT Bank | 3.50% APY 11-Month No-Penalty CD | Review |
| Southwestern National Bank | 3.40% APY 8-Month CD | Review |
| First Financial Northwest Bank | 3.00% APY 12-Month CD | Review |
| Ponce Bank | 3.00% APY 1-Month High Yield CD | Review |
| CIT Bank | 3.00% APY 6-Month CD | Review |
| CIT Bank | 3.00% APY 18-Month CD | Review |
Also, you can have peace of mind knowing that Elements Financial is insured up to $250,000 by the NCUA. So sign up for a CD and the enjoy their high APY rates today. If you are not interested or eligible, than check out our full list of Best CD Rates here at HMB!
However, you may want to compare them with our best CD Rates:
- Best 6-Month CD Rates
- Best 9-Month CD Rates
- Best 12-Month CD Rates
- Best 18-Month CD Rates
- Best 24-Month CD Rates
- Best 36-Month CD Rates
- Best 48-Month CD Rates
- Best 60-Month CD Rates
- Best No Penalty CD Rates
Disclaimer: Rates / APY terms above are current as of the date indicated. These quotes are from banks, credit unions and thrifts. Bank, thrift and credit union deposits are insured by the FDIC or NCUA. Contact the bank for the terms and conditions that may apply to you. Rates are subject to change without notice and may not be the same at all branches.
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