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高收益储蓄

提高收益 4.25 % APY1 on Balances of $10,000 or Greater

开户

Or call 1-800-621-2105

高收益储蓄 股息 Rate  APY 
$0.01 - $99.99 0.10% 0.10%
$100.00 - $2,499.99 0.10% 0.10%
$2,500.00 - $9,999.99 0.10% 0.10%
$10,000.00 - 24,999.99 4.16% 4.25%
$25,000.00 - $49,999.99 4.16% 4.25%
$50,000.00 - $99,999.99 4.16% 4.25%
$100,000.00 - $249,999.99 4.16% 4.25%
$250,000.00及以上 4.16% 4.25%

截至2024年6月1日的年度百分比收益率(APY)准确. 高收益储蓄是一种支付可变股息率的分层储蓄账户, 这种情况随时都可能改变, 根据每日余额对应的分级费率,按您帐户中的全部余额计收. 该帐户只适用于新资金,这些资金是在开立高收益储蓄账户之前90天内未存入元素的资金. Existing Elements members with savings accounts must deposit $25,000.在开立高收益储蓄帐户后的10天内,存入$ 00或以上的新资金. 现有的“元素”成员的储蓄账户合计每日余额为2,500美元.在开户前90天内存入100英镑或更少的存款,不受新存款要求的限制. Additional information for each tier: An APY of 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. APY值为4.25% 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. Other qualifications may apply. Offer may be discontinued at any time. 费用可能会减少收入.

高收益储蓄

我们为储蓄者开设的分级账户.

关键特性

  • 高收益储蓄利率4.25% APY1 on balances of $10,000 and greater
  • On new money not already on deposit at Elements — See disclosures for further details.
  • Represents competitive pricing in the marketplace
  • Review the FAQs below for your funding options
  • No monthly Maintenance Service Charge

开户

可能是个不错的选择吧

  • 你有很高的储蓄余额,你想获得更高的收益

Compare to Other Savings Accounts

特别优惠 元素金融的标志

提高收益 4.25 % APY1 on Balances of $10,000 or Greater
高收益节约

What are the advantages of a 高收益储蓄 account?

An older couple in front of their laptop.

分层股息率

高收益储蓄有一个分层的利率结构,你存的钱越多,你就能获得更高的股息.

No Fees

高收益储蓄 also has no fees, so you maintain both your account balance and the dividends you earn. 在账户里存钱或提款都是免费的.

With 高收益储蓄, you'll also enjoy:

  • No monthly Maintenance Service Charge
  • 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 在世界范围内
  • Shared branch access at more than 5,000 branches 在全国范围内
  • Ability to manage your account in 利记 or the 手机应用程序 从任何设备
  • Convenience of direct deposit of your payroll or federal benefits

Compare to Other Savings Accounts 开户

How does 高收益储蓄 compare to other savings options?

Compare 高收益储蓄 to our other options below.

  高收益储蓄 成员储蓄 隐匿处储蓄 证书
关键好处

No monthly Maintenance Service Charge

No monthly Maintenance Service Charge

No monthly Maintenance Service Charge

没有最低结余

Higher rate than most regular savings accounts

一个不错的选择,如果你

Like to earn higher dividends on your higher balances

Want a simple Savings account to establish your Elements membership

Like the idea of out of sight, out of mind

Want to stash some cash away for a special goal

Want a more predictable savings balance

Want to diversify your investments

APY 4.25% on balances $10,000 and greater1 0.20% on balances $50,000及以上2 0.20% on balances $100及以上3 因期限而异
税率结构 Tiered dividend rates that increase as your account balance grows Tiered dividend rates that increase as your account balance grows 股息率随证书期限的延长而增加
Minimum Balance to Earn 股息s $0.01 $100 $100
No Monthly Maintenance Service Charge
最低开户余额 $5
可用的术语 六个月到五年
可用的数量 $1,000 or more ($500 or more if under age 18)4
没有每月不活动费用
Unlimited Transactions Per Month Allowed

What are my funding options for the 高收益储蓄 account?

A woman looking at her laptop screen

将资金转入您的账户有多种选择,如下:

  • During the account application process, 如果得到批准, you will have an invitation to fund up to $100,000.
  • 对于较大的美元存款, we recommend a wire transfer; use Elements 路由号码 274073834 (no incoming wire fees will apply).
  • 支票存款可以在Elements的任何分支机构或5000多个共享分支机构之一进行 搜索在这里.
  • Mobile check deposits can be made up to a daily limit of $15,000.5
  • 从其他金融机构转账可通过Elements利记或移动应用程序进行,限制如下:
    • 新会员每笔交易$1,000 /每天$2,000 /每月$10,000
    • Existing Members (after 30 days of membership) $5,每笔交易000美元/ 10美元,000 /天/ 50美元,000 /月

我能指望多少费用啊?

A couple shopping for citrus in their produce department.

免维修服务费

高收益储蓄帐户每月不收取维修服务费.

活动费用

For members 25 and older there is a $5 per month 活动费用 assessed if your checking and savings accounts have had no activity for at least 12 months; you have no other active deposit, loan, or credit card product with Elements; and deposit balances total $1,000或以下. 从第一个有足够资金支付费用的支票账户或储蓄账户中收取, 从支票开始,然后转移到储蓄,直到收取全部费用.

Is Elements 利记 easy to use?

一个蓝头发的女人在餐厅吃寿司的时候在手机上.

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.

With Elements 利记 and our 手机应用程序, you can:

  • 检查你的余额,支付贷款,在账户间转账
  • Deposit checks using your phone or computer camera
  • 在线查看检查图像
  • 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 分行和自动取款机s 你附近
  • See your SavvyMoney credit score with any checking account or loan
  • Pay friends and family conveniently with Zelle® 加上其他 数字钱包选项
  • And more

Learn More about 利记 & 手机应用程序

我什么时候可以在网上查看我的高收益储蓄账户?

一个女人在看她的平板电脑

If you already have online banking or the mobile app with Elements, 您可以在账户批准后的15分钟内看到该账户. 如果您目前没有利记或移动应用程序与我们, 一旦您通过欢迎邮件收到您的会员号码,您就可以在线注册.

Learn More about 利记 & 手机应用程序

高收益储蓄帐户有哪些保险范围?

一对老夫妇拥抱在一起

Please refer to the NCUA’s Share 保险 Estimator for details at mycreditunion.gov.

Why should I choose Elements for my savings account?

一位女士用手机付款

像银行一样,只是更好!

更好的利率. 更少的费用.

因为我们是信用合作社, we return profits to members in the form of reduced fees, higher savings rates and lower loan rates.

可信的建议. 新鲜的方法.

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.

尊重当地. 在全球范围内访问.

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%6. 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.

高科技. 人类接触.

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.

开始

我怎样开一个帐户?

A screenshot of our online application.

Getting started is as easy as 1-2-3!

  1. 网上开户 - 网上开户 in as little as 10 minutes. Or call 1-800-621-2105 开始吧. Have your government-issued ID (driver’s license, state ID, or passport) and your Social Security number ready.

  2. 检查你的邮件 -您将在一个工作日内收到一封电子邮件,通知您帐户批准. 就是这样! Your 高收益储蓄帐户 现在开放了.

  3. 注册利记 -轻松检查你的余额, 偿还贷款, pay bills and transfer money between accounts from your smartphone, tablet, 笔记本电脑或台式机. Learn more about 利记.

开户

How Much Should I Save to Reach My Goal?

储蓄计算器

Results

  1. 1 截至2024年6月1日的年度百分比收益率(APY)准确. 高收益储蓄是一种支付可变股息率的分层储蓄账户, 这种情况随时都可能改变, 根据每日余额对应的分级费率,按您帐户中的全部余额计收. 该帐户只适用于新资金,这些资金是在开立高收益储蓄账户之前90天内未存入元素的资金. Existing Elements members with savings accounts must deposit $25,000.在开立高收益储蓄帐户后的10天内,存入$ 00或以上的新资金. 现有的“元素”成员的储蓄账户合计每日余额为2,500美元.在开户前90天内存入100英镑或更少的存款,不受新存款要求的限制. Additional information for each tier: An APY of 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. APY值为4.25% 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. Other qualifications may apply. Offer may be discontinued at any time. 费用可能会减少收入.
  2. 2 从2024年6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.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. 
  3. 3 从2024年6月1日起生效的年度百分比收益率(APY) 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.
  4. 4 Minimum certificate deposit of $1,000. Primary members under the age of 18 must have a $500.00 minimum balance to open certificate. Minimum of $500 balance required to earn dividends. 如果您在到期前支取本金,我们可能会收取罚金. Elements保留在任何时候限制证书余额的权利.
  5. 请通过利记发送安全的电子邮件,以提高每日移动支票存款限额.
  6. 6 Based on asset size as of 12/31/2022.