成员储蓄 概述 无需每月维修服务费 Tiered rates that increase as your account balance grows 认为利率 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 阅读更多 开户 或打电话 1-800-621-2105 继续现有申请 比较 成员储蓄 股息 率 年 $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 (年) effective as of January 1, 2024, and may change after account opening without notice. Average 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.
高收益储蓄 概述 高收益储蓄利率4.25%的年1 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 认为利率 一个好的选择，如果: You have a high savings balance for which you want to earn a higher yield 阅读更多 开户 或打电话 1-800-621-2105 继续现有申请 比较 高收益储蓄 股息 率 年 $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 (年) accurate as of January 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: An 年 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. 年值为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.
氦储蓄 概述 无需每月维修服务费 No minimum average daily balance required to earn dividends 认为利率 一个好的选择，如果: You like to earn higher dividends on your higher balances 阅读更多 开户 或打电话 1-800-621-2105 继续现有申请 比较 氦储蓄 股息 率 年 $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 (年) effective as of January 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.
隐匿处储蓄 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 认为利率 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 阅读更多 开户 或打电话 1-800-621-2105 继续现有申请 比较 隐匿处储蓄 股息 率 年 $100或以上 0.20% 0.20% 隐匿处储蓄 Annual Percentage Yield (年) effective as of January 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.
增加账户 概述 Special account only for children under age 18 没有每月维护或非活动费用 认为利率 一个好的选择，如果: You want to teach your kids how to save and manage money 阅读更多 Download a Membership Application to Get Started 或打电话 1-800-621-2105 比较 增加账户 股息 率 年 $100.00及以上 0.49% 0.50% 增加账户 Annual Percentage Yield (年) effective as of January 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.
健康储蓄帐户 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 认为利率 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 阅读更多 开户 或打电话 1-800-621-2105 继续现有申请 比较 健康储蓄帐户(HSA) 股息 率 年 $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 (年) effective as of January 1, 2024, and may change after account opening without notice. 费用可能会减少收入.
证书 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)2 期限由6个月至5年不等 认为利率 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 阅读更多 购买证书 或打电话 1-800-621-2105 继续现有申请 比较 证书 股息 率 年 6个月期限 2.43% 2.50% 8个月特别期限* 5.29% 5.50% 1年期限 2.53% 2.60% 13个月特别期限* 5.29% 5.50% 18个月特别期限* 4.34% 4.50% 2年期限 2.63% 2.70% 3年期限 2.72% 2.80% 四年任期 2.82% 2.90% 5年期限 2.91% 3.00% 证书 Annual Percentage Yield (年) effective as of January 1, 2024, 并且可能在不通知的情况下改变. 费用可能会减少收入. 提前提款的罚款. *限时证书 — Limited-time offer may be withdrawn at any time. 除非救赎, 在成熟, the 8-month certificate will automatically reinvest into a 6-month certificate at the then current 年; the 13-month certificate will automatically reinvest into a 12-month certificate at the then current 年; the 18-month certificate will automatically reinvest into an 18-month certificate at the then current 年. 存单最低存款额为1000美元. Primary members under the age of 18 must have a $500.开立证书的最低余额为00美元. Minimum of $500 balance required to earn dividends. We may impose a penalty if you withdraw any of the principal before maturity. 元素 reserves the right to limit the balance of a certificate at any time.
传统和罗斯个人退休账户 概述 Save for retirement at any age in a tax-advantaged way Choose between tax-deductible contributions (Traditional 爱尔兰共和军) or tax-free withdrawals (Roth 爱尔兰共和军) 每个纳税年度供款不超过6,000元 认为利率 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: ira can have lower contribution limits than 401(k)s 阅读更多 呼叫开通个人退休账户1-800-621-2105 比较 ira 股息 率 年 6个月期限 2.43% 2.50% 8个月特别期限* 5.29% 5.50% 1年期限 2.53% 2.60% 13个月特别期限* 5.29% 5.50% 18个月特别期限* 4.34% 4.50% 2年期限 2.63% 2.70% 3年期限 2.72% 2.80% 四年任期 2.82% 2.90% 5年期限 2.91% 3.00% 爱尔兰共和军 Annual Percentage Yield (年) effective as of January 1, 2024, 并且可能在不通知的情况下改变. 费用可能会减少收入. *限时证书 — Limited-time offer may be withdrawn at any time. 除非救赎, 在成熟, the 8-month certificate will automatically reinvest into a 6-month certificate at the then current 年; the 13-month certificate will automatically reinvest into a 12-month certificate at the then current 年; the 18-month certificate will automatically reinvest into an 18-month certificate at the then current 年. 元素 reserves the right to limit the balance of a certificate at any time.
信托账户 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 阅读更多 打电话开一个信托账户1-800-621-2105 比较
