Offer at a glance
- Interest Rate: 3.25% APY, guaranteed for 1 year
- Availability:Â Nationwide
- Hard/soft pull:Â Soft
- ChexSystems: Yes (note: they are Chex sensitive).
- Credit card funding:Â None
- Monthly fees:Â None
- Min/Max: $2,500 minimum, no max
- Insured: NCUA (NCUA insurance covers up to $250,000)
The Offer
- Elements Financial credit union is offering their Helium Savings account with a 3.25% APY when you have a balance of at least $2,500.
The Fine Print
- Rate is guaranteed for at least one year.
- Rate valid only on new money not already on deposit at Elements
Our Verdict
This is the best rate currently available (9/25/22) on a no-requirement savings account. With the recent fed hike and possible future hikes we might see 3.25% or higher at other banks. Still, this is a solid offer and can make sense for someone with high balances that need to be liquid. We’ve written before about Elements 4% account on balances up to $20,000.
We’ve added this account to our list of Best High Yield Savings Accounts.
Hat tip to ShawntheShawn
