Member Savings Overview No monthly Maintenance Service Charge 分级费率随着您账户余额的增长而增加 View Rates A Good Option If: 您希望建立Elements成员关系 你计划每天的余额不超过2500美元 Read More Open an Account Or Call 1-800-621-2105 Continue Existing Application Compare Member Savings Dividend Rate APY $100.00 - $2,499.99 0.10% 0.10% $2,500.00 - $49,999.99 0.15% 0.15% $50,000.00 and Above 0.20% 0.20% 从2024年3月1日起生效的会员储蓄年度百分比收益率(APY) 开户后如有变动，恕不另行通知. 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. 开户的最低结余为5美元. No monthly Maintenance Service Charge. Fees may reduce earnings.
High Yield Savings Overview High Yield Savings rate of 4.25% APY1 on balances of $10,000 and greater 代表市场上具有竞争力的价格 No monthly Maintenance Service Charge View Rates A Good Option If: 你有很高的储蓄余额，你想获得更高的收益 Read More Open an Account Or Call 1-800-621-2105 Continue Existing Application Compare High Yield Savings Dividend 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% $250,000.00 and Above 4.16% 4.25% 截至2024年3月1日，年度百分比收益率(APY)准确. 高收益储蓄是一种支付可变股息率的分层储蓄账户, that may change at any time, 根据每日余额对应的分级费率，按您帐户中的全部余额计收. 该帐户只适用于新资金，这些资金是在开立高收益储蓄账户之前90天内未存入元素的资金. 拥有储蓄账户的Elements现有会员必须存入25,000美元.在开立高收益储蓄帐户后的10天内，存入$ 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. 每个层的附加信息:APY为0.10%适用于余额为0美元起的账户.00 to $99.99; from $100.00 to $2,499.99; and from $2,500.00 to $9,999.99. An APY of 4.25%适用于余额在1万美元以下的账户.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 and above. 至少有一名帐户持有人必须年满18岁. Other qualifications may apply. Offer may be discontinued at any time. Fees may reduce earnings.
Helium Savings Overview No monthly Maintenance Service Charge 赚取股息没有最低平均每日余额要求 View Rates A Good Option If: 你喜欢在较高的余额上获得较高的股息 Read More Open an Account Or Call 1-800-621-2105 Continue Existing Application Compare Helium Savings Dividend Rate APY $0.01 - $2,499.99 0.10% 0.10% $2,500.00 - $9,999.99 0.99% 1.00% $10,000.00 and Above 0.99% 1.00% 自2024年3月1日起，氦气节约年度百分比收益(APY)生效，并可于开户后更改，恕不另行通知. 开户的最低结余为5美元. No monthly Maintenance Service Charge. Fees may reduce earnings.
Hideaway Savings Overview Add to Hideaway Savings all year 当您准备购物时，轻松地将资金转移到您的Elements支票账户 No monthly Maintenance Service Charge No minimum balance View Rates A Good Option If: 你喜欢眼不见，心不烦 你想为一个特殊的目标存一些钱 Read More Open an Account Or Call 1-800-621-2105 Continue Existing Application Compare Hideaway Savings Dividend Rate APY $100 and Above 0.20% 0.20% 从2024年3月1日起生效的年度百分比收益率(APY), 开户后如有变动，恕不另行通知. 赚取股息所需的每日最低余额为100美元. Fees may reduce earnings. No monthly Maintenance Service Charge. No minimum balance requirements apply.
Grow Account Overview 特别帐户只适用于18岁以下的儿童 没有每月维护或非活动费用 View Rates A Good Option If: 你想教你的孩子如何存钱和理财 Read More 下载会员申请开始 Or Call 1-800-621-2105 Compare Grow Account Dividend Rate APY $100.00 and Above 0.49% 0.50% 自2024年3月1日起生效的增长账户年度百分比收益率(APY) 开户后如有变动，恕不另行通知. 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, 其中一个账户持有人必须在18岁以下.
Certificates Overview Similar to a CD at a bank 比大多数普通储蓄账户的利率要高 可提供1,000美元或以上的金额(如果未满18岁，则可少至500美元)2 其他期限及费率由6个月至5年不等 View Rates A Good Option If: 你想要一个更可预测的储蓄余额 你想要在传统的储蓄账户和其他投资之外进行多样化投资 权衡:必须等到证书期限结束后才能访问资金 Read More Buy a Certificate Or Call 1-800-621-2105 Continue Existing Application Compare Certificate Dividend Rate APY 6 Month Term 2.44% 2.50% 8 Month Term 4.87% 5.05% 1 Year Term 2.53% 2.60% 13 Month Term 4.59% 4.75% 18 Month Term 4.11% 4.25% 2 Year Term 2.63% 2.70% 3 Year Term 2.73% 2.80% 4 Year Term 2.82% 2.90% 5 Year Term 2.92% 3.00% 自2024年3月25日起生效的证书年度百分比收益率(APY) and may change without notice. Fees may reduce earnings. Penalty for early withdrawal. 存单最低存款额为1000美元. 18岁以下的初级会员必须持有$500.开立证书的最低余额为00美元. 赚取股息最少需要500美元的结余. 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.
Traditional and Roth IRAs Overview 以税收优惠的方式为任何年龄的退休储蓄 选择可免税供款(传统IRA)或免税提款(罗斯IRA) Contribute up to $6,000 per tax year View Rates A Good Option If: 你是自雇人士，或者没有雇主赞助的计划，比如401(k) 你已经透支了401(k)养老金 权衡:个人退休账户的缴费限额可能低于401(k) Read More Call to Open an IRA1-800-621-2105 Compare IRAs Dividend Rate APY 6 Month Term 2.44% 2.50% 8 Month Term 4.87% 5.05% 1 Year Term 2.53% 2.60% 13 Month Term 4.59% 4.75% 18 Month Term 4.11% 4.25% 2 Year Term 2.63% 2.70% 3 Year Term 2.73% 2.80% 4 Year Term 2.82% 2.90% 5 Year Term 2.92% 3.00% 截至2024年3月25日的IRA年度百分比收益率(APY) and may change without notice. Fees may reduce earnings.
Health Savings Account Overview 为参加高免赔额健康计划的人开设的医疗储蓄账户 供款可以由您、您的雇主或其他个人提供 与元素HSA Visa®借记卡一起提供 View Rates A Good Option If: 你有高免赔额健康计划(HDHP) 你想要一种安全方便的方式来支付医疗费用 你想在免税的基础上为未来的医疗费用储蓄 Read More Open an Account Or Call 1-800-621-2105 Continue Existing Application Compare Health Savings Account (HSA) Dividend Rate APY $0.01- $2,499.99 0.10% 0.10% $2,500.00 - $9,999.99 0.30% 0.30% $10,000.00 - $24,999.99 0.30% 0.30% $25,000.00 and Above 0.49% 0.50% 从2024年3月1日起生效的健康储蓄账户年百分比收益率(APY)，并可于开户后更改，恕不另行通知. Fees may reduce earnings.
Trust Accounts Four Types of Trust Accounts: Trust-Owned Account—for revocable trusts 统一转账到未成年人法案(UTMA)帐户—custodial account for minors Representative Payee Account-代他人领取社会保障局福利金 Guardianship Account-供监护人管理被监护人的资金 A Good Option If: 你需要代表第三方管理资金 Read More Call to Open a Trust Account1-800-621-2105 Compare
