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Grow Account


Download a Membership Application to Get Started

Or call 1-800-621-2105

Grow Account Dividend Rate  APY 
$100.00 and Above 0.49% 0.50%

自2024年7月1日起生效的增长账户年度百分比收益率(APY) and may change after account opening without notice. 赚取股息所需的每日最低余额为100美元. Fees may reduce earnings. 至少有一个帐户所有者必须年满18岁, and one account owner must be below the age of 18.

Grow Account



  • Special account just for children under age 18
  • No monthly maintenance or Inactivity Fee
  • 每天保持100美元的最低余额以赚取股息

Download a Membership Application to Get Started


  • 你正在为一个未满18岁的孩子开设账户
  • 你想教你的孩子如何存钱和理财

Compare to Other Savings Accounts

What are the advantages of a Grow Account?

A father and daughter saving money in a piggy bank

Their Own Money

教你的孩子如何负责任地理财,越早越好. 以他们的名义开一个储蓄账户是一个很好的开始. 他们可以把辛苦挣来的零用钱或者亲戚送的生日礼物的一部分放在里面. 他们也会兴奋地看到他们的余额增长到他们心中特殊购买所需的金额. 你也可以申请一张ATM卡,这样他们就可以学习如何负责任地使用它来提取他们的资金.

Earn Dividends


With the Grow Account, you'll also enjoy:
  • No monthly Maintenance Service Charge
  • No Inactivity Fee
  • A simple rate structure, 这意味着它提供相同的股息率,最低每日余额为100美元及以上
  • 可选择申请“元素”自动柜员卡,使用金额超过78,000元,免附加费 ATMs worldwide
  • Shared branch access at more than 5,000 branches nationwide
  • Ability to manage your account in Online Banking or the Mobile App from any device

Download a Membership Application to Get Started


The Grow Account is just for members under age 18. 我们的储蓄方案之间的其他差异见下文.

  Grow Account Member Savings Share Certificates (Fixed Rate) Flex Rate Certificates (Variable Rate)
Key Benefits


No monthly Maintenance Service Charge

Higher rate than most regular savings accounts

当最优惠利率变化时,股息率随利率环境的变化而变化, up or down

A Good Option If You

Are setting up an account for a child under age 18



Want a more predictable savings balance

Want to diversify your investments


APY 0.50% on balances $100 and above1 0.20% on balances $50,000 and above2 Varies by term Varies by term
Rate Structure 每日结余$100或以上的收费结构简单 分层股息率随着你账户余额的增长而增加 股息率随证书期限的延长而增加 Dividend rates that adjust with the Prime Rate
Minimum Balance to Earn Dividends $100 $100
No Monthly Maintenance Service Charge
Minimum Balance to Open $5 $5
Available Terms 6 months to 5 years 12 and 24 months
Available Amounts $1,000 or more ($500 or more if under age 18) $1,000 or more ($500 or more if under age 18)
No Monthly Inactivity Fee
Unlimited Transactions Per Month Allowed

What fees can I expect?

A family of three having breakfast

No Maintenance or Inactivity Fees

There is no monthly Maintenance Fee or Inactivity Fee on a Grow Account; however, it can fall dormant after three years of no activity. Please refer to our Fee Schedule for details about fees on savings products.



是的,增长账户是用来代替 Member Savings 18岁以下会员的账户(在我们这里有储蓄账户是使您正式成为信用合作社会员的一部分). 当它是会员(主)共享帐户信用社会员资格, the account will receive $5 from Elements Financial.


A group of friends sharing a pizza

如上所述,要开户,孩子必须在18岁以下. 当主帐户所有者年满25岁时, 资金必须转移到另一种储蓄账户类型. 会员将在25岁生日之前收到其他选择的通知.

Is Elements Online Banking easy to use?

A couple girlfriends hugging on the couch

Yes! 它很容易做你的银行和预算与元素-无论你在哪里. 我们利记的目标很简单:为您提供最先进的数字银行体验,您可以依靠,并在所有设备上保持一致.

  • 检查你的余额,支付贷款,在账户间转账
  • Deposit checks using your phone or computer camera
  • View check images online
  • Pay your bills online 24/7/365
  • 用14个月的电子报表档案回顾你的账户历史
  • Locate branches and ATMs near you
  • 查看您的SavvyMoney信用评分与任何支票帐户或贷款
  • Pay friends and family conveniently with Zelle® plus other digital wallet options
  • And more

Learn More about Online Banking & Mobile App

Why should I choose Elements for my savings account?

A woman with her phone and a bag of shopping items

Like a Bank, Only Better!

Better Rates. Fewer Fees.

Because we’re a credit union, 我们以降低费用的形式将利润返还给会员, higher savings rates, and lower loan rates.

Trusted Advice. Fresh Approach.

我们以成为值得信赖的金融教育机构而自豪. 你的财务健康专家会来到你的工作场所回答你的问题,并为你提供一对一的帮助,帮助你应对人生每个阶段的变化.

Respected Locally. Accessed Globally.

自1930年以来,我们的总部设在印第安纳波利斯,在全国信用合作社中排名前3%3. We serve members in all 50 states and 50+ countries. 您可以使用全国5000多家共享分行和全球78000多台免费atm机.

High Tech. Human Touch.

Our technology makes banking with Elements easy. 从快速的数字应用程序到在线和移动银行,无论您走到哪里,我们都会在您身边. 我们在这里为您提供全天候会员服务,并在工作日进行实时聊天.

Get Started

How do I open an account?

A family of four working together to make cupakes

Complete & Send Us These PDF Forms


Return these forms to an Elements location or email them to us at 如果您需要帮助填写表格,请打电话给我们 1-800-621-2105.

Online Banking & Mobile App

Once your Grow Account is open, you can enroll in Online Banking. 利记可以让你方便地查询你的余额, deposit checks, 并通过智能手机在账户之间转账, tablet, laptop or desktop. Learn more about Online Banking.

Download Membership Application Download Membership Addendum

How Much Should I Save to Reach My Goal?

Savings Calculator


  1. 1 自2024年7月1日起生效的增长账户年度百分比收益率(APY) and may change after account opening without notice. 赚取股息所需的每日最低余额为100美元. Fees may reduce earnings. 至少有一个帐户所有者必须年满18岁, and one account owner must be below the age of 18.
  2. 2 从2024年7月1日起生效的会员储蓄年度百分比收益率(APY) 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. 赚取股息所需的每日最低余额为100美元. $5 required minimum balance to open the account. No monthly Maintenance Service Charge. Fees may reduce earnings. 
  3. 3 Based on asset size as of 12/31/2022.