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Savings

Growing your money today for dreams tomorrow. 比较一下我们常用的储蓄账户.

概述

  • 无需每月维修服务费
  • Tiered rates that increase as your account balance grows

一个好的选择,如果:

  • You want to establish your 元素 membership
  • You plan to maintain less than a $2,500 daily balance
成员储蓄 股息 Rate  APY 
$100.00 - $2,499.99 0.10% 0.10%
$2,500.00 - $49,999.99 0.15% 0.15%
$50,000.00及以上 0.20% 0.20%

成员储蓄 Annual Percentage Yield (APY) effective as of July 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. 无需每月维修服务费. 费用可能会减少收入. 

概述

  • 高收益储蓄利率4.25% APY1 余额在一万美元以上的
  • Represents competitive pricing in the marketplace
  • 无需每月维修服务费

一个好的选择,如果:

  • You have a high savings balance for which you want to earn a higher yield
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%

高收益储蓄 Annual Percentage Yield (APY) accurate as of July 1, 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: APY = 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. 其他资格也可能适用. 报盘可随时终止. 费用可能会减少收入.

概述

  • 无需每月维修服务费
  • No minimum daily balance required to earn dividends

一个好的选择,如果:

  • You like to earn higher dividends on your higher balances
氦储蓄 股息 Rate  APY 
$0.01 - $2,499.99 0.10% 0.10%
$2,500.00 - $9,999.99 0.99% 1.00%
$10,000.00及以上 0.99% 1.00%

氦储蓄 Annual Percentage Yield (APY) effective as of July 1, 2024, and may change after account opening without notice. $5 required minimum balance to open the account. 无需每月维修服务费. 费用可能会减少收入. 

概述

  • 增加全年的隐居储蓄
  • Easily transfer funds to your 元素 checking account when you’re ready to shop
  • 无需每月维修服务费
  • 没有最低结余

一个好的选择,如果:

  • You like the idea of out of sight, out of mind
  • You want to stash some cash away for a special goal
隐匿处储蓄 股息 Rate  APY 
$100或以上 0.20% 0.20%

隐匿处储蓄 Annual Percentage Yield (APY) effective as of July 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. 无需每月维修服务费. 没有最低余额要求. 

概述

  • Special account only for children under age 18
  • 没有每月维护或非活动费用

一个好的选择,如果:

  • You want to teach your kids how to save and manage money
增加账户 股息 Rate  APY 
$100.00及以上 0.49% 0.50%

增加账户 Annual Percentage Yield (APY) effective as of July 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.

概述

  • 类似于银行的存单
  • Higher rate than most regular savings accounts
  • Available in amounts of $1,000 or more (as little as $500 if under age 18)
  • Other terms and rates available from 6 months to 5 years

一个好的选择,如果:

  • 你想要一个更可预测的储蓄余额
  • You want to diversify beyond traditional savings accounts and other investments
  • Trade-off: Must wait to access funds until the 证书 term is up
证书 股息 Rate  APY 
6个月期限 2.44% 2.50%
8个月期限 4.96% 5.15%
1年期限 2.53% 2.60%
13个月期限 4.68% 4.85%
18个月期限 4.11% 4.25%
2年期限 2.63% 2.70%
3年期限 2.73% 2.80%
四年任期 2.82% 2.90%
5年期限 2.92% 3.00%

证书 Annual Percentage Yield (APY) effective as of July 1, 2024, 并且可能在不通知的情况下改变. Minimum deposit of $1,000 to open certificate. Primary members under the age of 18 must have a $500 minimum deposit to open certificate. Minimum of $500 balance required to earn dividends. Health Savings account funds are not eligible. 费用可能会减少收入. 提前提款的罚款. 元素 reserves the right to amend or discontinue offers at any time and to limit the balance of a certificate at any time.

概述

  • Save for retirement at any age in a tax-advantaged way
  • Choose between tax-deductible contributions (Traditional IRA) or tax-free withdrawals (Roth IRA)
  • 每个纳税年度最多供款7,000元

一个好的选择,如果:

  • You are self-employed or don’t have access to an employer-sponsored plan like a 401(k)
  • 你已经透支了401(k)养老金
  • Trade-off: IRAs can have lower contribution limits than 401(k)s
IRAs 股息 Rate  APY 
6个月期限 2.44% 2.50%
8个月期限 4.96% 5.15%
1年期限 2.53% 2.60%
13个月期限 4.68% 4.85%
18个月期限 4.11% 4.25%
2年期限 2.63% 2.70%
3年期限 2.73% 2.80%
四年任期 2.82% 2.90%
5年期限 2.92% 3.00%

IRA Annual Percentage Yield (APY) effective as of July 1, 2024, 并且可能在不通知的情况下改变. 开立个人退休账户的最低存款为1000美元. Primary members under the age of 18 must have a $500 minimum deposit to open IRA. Minimum of $500 balance required to earn dividends. Health Savings account funds are not eligible. 费用可能会减少收入. 提前提款的罚款. 元素 reserves the right to amend or discontinue offers at any time and to limit the balance of a IRA at any time.

概述

  • Medical savings account for people enrolled in a high-deductible health plan
  • Contributions can be made by you, your employer, or other individuals
  • Comes with the 元素 HSA Visa® debit card

一个好的选择,如果:

  • You have a high-deductible health plan (HDHP)
  • You want a safe and convenient way to pay for health expenses
  • You want to save for future medical expenses on a tax-free basis
健康储蓄帐户(HSA) 股息 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及以上 0.49% 0.50%

健康储蓄帐户 Annual Percentage Yield (APY) effective as of July 1, 2024, and may change after account opening without notice. APY = 0.10% applies to accounts with balances from $0.01 to $2,499.99; APY = 0.30% applies to accounts with balances from $2,500.00 to $9,999.99; and from $10,000.00 to $24,999.99; APY = 0.49% applies to accounts with balances of $25,000.00及以上. 费用可能会减少收入.

四种类型的信托帐户:

  • 信托控股帐户-用于可撤销信托
  • Uniform Transfer to Minors Act (UTMA) Account-未成年人托管账户
  • 代表收款人账户—for receivers of benefits from the Social Security Administration on behalf of another person
  • 监护帐户-供监护人管理被监护人的资金

一个好的选择,如果:

  • You need to manage funds on behalf of a third party
  1. 1 高收益储蓄 Annual Percentage Yield (APY) accurate as of July 1, 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: APY = 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. 其他资格也可能适用. 报盘可随时终止. 费用可能会减少收入.
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