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比较储蓄账户

  成员储蓄 高收益储蓄 股票(固定利率) Flex Rate 证书s (Variable Rate) 氦储蓄 隐匿处储蓄 增加账户 健康储蓄帐户 传统的 & Roth ira 信托账户
关键好处

No monthly Maintenance Service Charge

No monthly Maintenance Service Charge

Higher rate than most regular savings accounts

Dividend rates that keep pace with a changing rate environment by flexing when the Prime Rate changes, 向上或向下

一个不错的选择,如果你

Want a simple 储蓄 account to establish your 元素 membership

Like to earn higher dividends on your higher balances

Want a more predictable savings balance

Want to diversify your investments

You want to diversify beyond traditional savings accounts and other investments

0.5万美元及以上的余额20%1 4.00% on balances $10,000 and greater2 因期限而异 因期限而异 1.2500美元及以上的余额可享受100%优惠3 0.余额$100或以上20%4 0.余额$100或以上50%5 到0.50%6 因期限和/或产品而异 收费电话
税率结构 Tiered dividend rates that increase as your account balance grows Tiered dividend rates that increase as your account balance grows Dividend rates that increase with the length of the 证书 term Dividend rates that adjust with the Prime Rate Tiered dividend rates that increase as your account balance grows Simple rate structure on all daily balances of $100及以上 Tiered dividend rates that increase as your account balance grows Fixed Rate options offer tiered dividend rates that increase with the length of the 爱尔兰共和军 term. We also offer a Variable Rate option that changes when the Prime Rate changes (向上或向下) 根据信任类型的不同而不同. 电话查询详情.
赚取股息的最低余额 $100 $0.01 $0.01 $100 $100 $100
No Monthly Maintenance Service Charge
最低开户余额 $5 $5
可用的术语 六个月到五年 12及24个月 Fixed Rate option: 6 months to 10 years // Flex Rate: 12- and 24-month
可用的数量 $1,000 or more ($500 or more if under age 18) $1,000 or more ($500 or more if under age 18) Contribute up to $7,000 per tax year (possibly $8,000 if over age 50)
没有每月不活动费用
Unlimited Transactions Per Month Allowed
开设一个储蓄账户

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  1. 1 成员储蓄 Annual Percentage Yield (年) effective as of September 1, 2024, and may change after account opening without notice. 0.余额100美元有10%的年利率.00-$2,499.99; 0.余额2500美元,年利率15%.00-$49,999.99; 0.5万美元余额20%的年利率.00及以上. Minimum daily balance of $100 required to earn dividends. $5 required minimum balance to open the account. No monthly Maintenance Service Charge. 费用可能会减少收入. 
  2. 2 高收益储蓄 Annual Percentage Yield (年) accurate as of September 20, 2024. 高收益储蓄 is a tiered savings account paying a variable dividend rate, 这种情况随时都可能改变, 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 元素 for 90 days prior to opening the 高收益储蓄 account. Existing 元素 members with savings accounts must deposit $25,000.00 or more of new money within 10 days of opening the 高收益储蓄 account. Existing 元素 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: 年 = 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. 年值为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及以上. At least one account holder must be 18 years of age. 其他资格也可能适用. Offer may be discontinued at any time. 费用可能会减少收入.
  3. 3 氦储蓄 Annual Percentage Yield (年) effective as of September 1, 2024, and may change after account opening without notice. 0.余额为0的10%年利率.01-$2,499.99; 1.余额2500美元,00%年利率.00-$9,999.99; 1.余额1万美元,00%年利率.00及以上. $5 required minimum balance to open the account. No monthly Maintenance Service Charge. 费用可能会减少收入. 
  4. 4 隐匿处储蓄 Annual Percentage Yield (年) effective as of September 1, 2024, and may change after account opening without notice. 0.余额100美元20%的年利率.00及以上. Minimum daily balance of $100 required to earn dividends. 费用可能会减少收入. No monthly Maintenance Service Charge. 没有最低结余 requirements apply.
  5. 5 增加账户 Annual Percentage Yield (年) effective as of September 1, 2024, and may change after account opening without notice. Minimum daily balance of $100 required to earn dividends. 费用可能会减少收入. At least one account owner must be 18 years of age or older, and one account owner must be below the age of 18.
  6. 6 健康储蓄帐户 Annual Percentage Yield (年) effective as of September 1, 2024, and may change after account opening without notice. 年 = 0.10% applies to accounts with balances from $0.01 to $2,499.99; 年 = 0.30% applies to accounts with balances from $2,500.00 to $9,999.99; and from $10,000.00 to $24,999.99; 年 = 0.49% applies to accounts with balances of $25,000.00及以上. 费用可能会减少收入.