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假期时间- 2023年12月 & 2024年1月—— 了解更多

成员储蓄

Establish your 元素 membership while earning competitive, tiered dividend rates.

开户

或打电话 1-800-621-2105

  1. 首页。
  2. 储蓄
  3. 成员储蓄
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 年度百分比 收益率 (年) effective as of January 1, 2024, 开户后如有变动，恕不另行通知. Average daily balance of $100 required to earn dividends. 开户的最低结余为5美元. 无需每月维修服务费. 费用可能会减少收入. 

问题?

Our experienced, helpful member service team is ready to support you!

1-800-621-2105

即时聊天 预约储蓄专家

东部时间周一至周五上午9点至下午4点30分提供聊天服务

成员储蓄

We start you off with $5 when you open your account to become a member.

关键特性

  • 无需每月维修服务费
  • Tiered dividend rates that increase as your account balance grows
  • Maintain a minimum average daily balance of $100 to earn dividends

开户

可能是个不错的选择吧

  • 您希望建立元素成员关系
  • 你计划每天的余额不超过2500美元

与其他储蓄账户相比

会员储蓄帐户有什么好处?

母亲和孩子支付账单.

建立元素成员关系

The 成员储蓄 account can be a good choice if you’re looking to simply establish your 元素 membership (having a savings account with us is the part that makes your membership in the credit union official). We’ll even put $5 in to get you started — no need to transfer funds from an existing account. 

具有竞争力的分层股息率

It’s also a good choice if you plan to maintain a daily balance of less than $2,500. The account requires a minimum balance of just $100 to earn dividends and pay dividends in increasingly higher amounts as your account balance increases. 

通过会员储蓄，您还可以享受:

  • 无需每月维修服务费
  • Option to request an 元素 ATM card to use at more than 78,000 surcharge-free 自动取款机 在世界范围内
  • 共享分支访问超过5000个 分支机构 在全国范围内
  • 能够管理您的帐户在 利记 或者是 手机应用程序 从任何设备
  • Convenience of direct deposit of your payroll or federal benefits

与其他储蓄账户相比

会员储蓄与其他储蓄有何不同?

比较会员储蓄与我们下面的其他选择.

  成员储蓄 高收益储蓄 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

Want a simple 储蓄 account to establish your 元素 membership

喜欢在你的高余额上赚取更高的股息

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
年 0.5万美元及以上的余额20%1 4.1万美元及以上存款25%2 0.余额$100或以上20%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 rates that increase with the length of the 证书 term
赚取股息的最低余额 $100 $0.01 $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

我能指望多少费用啊?

一对夫妇在厨房做饭.

免维修服务费

The 会员储蓄帐户 has NO monthly Maintenance Service Charge.

活动费用

For members 25 and older there is a $5/month fee 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 元素; 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.

元素利记是否易于使用?

一个学生一边付账单一边打电话.

是的! It’s easy to do your banking and budgeting with 元素 — 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.

With 元素 利记 and our 手机应用程序, you can:
  • Check your balances, 偿还贷款, and transfer money between accounts
  • 用手机或电脑相机存支票
  • 在线查看检查图像
  • 24/7/365在线支付账单
  • Review your account history with a 14-month electronic archive of statements
  • 定位 分行和自动取款机s 你附近
  • See your SavvyMoney credit score with any checking account or loan
  • 支付朋友和家人方便 Zelle® 加上其他 数字钱包选项
  • 和更多的

了解利记更多信息

为什么我的支票帐户要选择元素?

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, 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.

可信的建议. 新鲜的方法.

We pride ourselves in being a trusted source for financial education. 你的 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.

尊重当地. 在全球范围内访问.

Headquartered in 印第安纳波利斯 since 1930, we rank among the top 3% of credit unions nationally5. 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 分支机构 在全国范围内 and 78,000+ surcharge-free 自动取款机 globally.

高科技. 人类接触.

我们的技术使使用元素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.

开户

我怎样开一个帐户?

我们在线申请的截图.

开始就像1-2-3一样简单!

  1. 网上开户 -只需10分钟即可在线开户. 或打电话 1-800-621-2105 开始吧. 你有政府颁发的身份证(驾驶执照)吗, 状态标识, (护照)和你的社会安全号码准备好了.
  2. Check your email- You will receive an email within one business day to notify you of account approval. 就是这样! 你的 会员储蓄帐户 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, 平板电脑, 笔记本电脑或台式机. 了解更多关于利记的信息.

开户

多年来, 我为我的家存了很多钱, 孩子和退休金都在我的元素储蓄账户里.

——约翰五世. | 2002年加入至今

我应该存多少钱才能达到我的目标?

储蓄计算器

结果

每年，你都需要存钱 ____美元

值得信赖的储蓄建议. 新鲜的方法.

储蓄的建议

查看所有储蓄文章

委员亦浏览:

其他储蓄选择
其他省钱的方法
  1. 1 成员储蓄 年度百分比 收益率 (年) effective as of January 1, 2024, 开户后如有变动，恕不另行通知. 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. 开户的最低结余为5美元. 无需每月维修服务费. 费用可能会减少收入. 
  2. 2 高收益储蓄 年度百分比 收益率 (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 f或者是 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 f或者是 90 days prior to account opening are excluded from the new money requirement. 每个层的附加信息:年为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. 年值为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.
  3. 3 隐匿处储蓄 年度百分比 收益率 (年) effective as of January 1, 2024, 开户后如有变动，恕不另行通知. 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. 无需每月维修服务费. 没有最低余额要求.
  4. 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. 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.
  5. 5 基于截至2022年12月31日的资产规模.