| 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 年收益率 (APY) accurate as of April 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 Elements for 90 days prior to opening the 高收益储蓄 account. Existing Elements 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 Elements 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. 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. APY值为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及以上. 至少有一名帐户持有人必须年满18岁. 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.
特别优惠
高收益储蓄 has a tiered rate structure where you can earn higher dividends the more you save.
高收益储蓄也没有任何费用, 这样你就既能保持账户余额，又能获得股息. There’s no fee for keeping the money in the account or withdrawing it, as needed.
有了高收益储蓄，您还将享受:
将高收益储蓄与下面的其他选项进行比较.
| 高收益储蓄 | 成员储蓄 | 隐匿处储蓄 | 证书 | |
|---|---|---|---|---|
| 开户 | 开户 | 开户 | 购买证书 | |
| 关键好处 |
无需每月维修服务费 |
无需每月维修服务费 |
无需每月维修服务费 没有最低结余 |
比大多数普通储蓄账户的利率要高 |
| 一个不错的选择，如果你 |
喜欢在你的高余额上赚取更高的股息 |
想要一个简单的储蓄账户来建立您的Elements会员资格 |
就像眼不见，心不烦一样 想要为一个特殊的目标存一些钱 |
想要一个更可预测的储蓄余额 想要分散你的投资 |
| APY | 4.1万美元及以上存款25%1 | 0.5万美元及以上的余额20%2 | 0.余额$100或以上20%3 | 因期限而异 |
| 税率结构 | 分层股息率随着你账户余额的增长而增加 | 分层股息率随着你账户余额的增长而增加 | — | 股息率随证书期限的延长而增加 |
| 赚取股息的最低余额 | $0.01 | $100 | $100 | — |
| 无需每月维修服务费 | ||||
| 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或以上(未满18岁者$500或以上)4 |
| 没有每月不活动费用 | — | — | — | |
| 每月允许无限交易 | — | |||
| 开户 | 开户 | 开户 | 购买证书 |
There are multiple options for moving money into your account, as follows:
The 高收益储蓄 account has NO monthly Maintenance Service Charge.
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. It is collected from the first checking or savings account that has sufficient funds to satisfy the fee, starting with checking and then moving to savings until the full fee is collected.
Yes! It’s easy to do your banking and budgeting with Elements — no matter where you are. Our goal with 利记 is simple: to provide you with a state-of-the-art digital banking experience that you can count on and is consistent across all devices.
透过Elements利记及我们的流动应用程式，您可以:
如果你已经有利记或移动应用程序与元素, you can expect the account to appear there within 15 minutes of account approval. If you do not currently have online banking or the mobile app with us, you can enroll for online access once you receive your Member Number via your welcome email.
详情请参阅中大股份保险估算员 mycreditunion.gov.
因为我们是信用合作社, 我们以降低费用的形式将利润返还给会员, 更高的储蓄率和更低的贷款利率.
We pride ourselves in being a trusted source for financial education. Your financial wellness expert will come to your workplace to answer questions and provide you with one-on-one assistance as you navigate the changes that come with each of life's stages.
Headquartered in 印第安纳波利斯 since 1930, we rank among the top 3% of credit unions nationally6. 我们为所有50个州和50多个国家的会员提供服务. You’ll have access to 5,000+ shared branches 在全国范围内 and 78,000+ surcharge-free ATMs globally.
我们的技术使使用Elements进行银行业务变得简单. From quick digital applications to online and mobile banking, we’ll be by your side wherever you go. We’re here for you with member service available 24/7 and live chat during the workday.
To add, change, or remove a beneficiary from your account at 利记app官网 simply complete a 死亡付款受益人指定表格 由所有现有业主签名.
列印表格并邮寄至225s. East Street, Suite 300 印第安纳波利斯, IN 46202, or scan and email it to customerservice@chinaqinyu.com.
