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成员储蓄

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

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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 September 1, 2024, and may change after account opening without notice. 0.10% 年 on balances $100.00-$2,499.99; 0.15% 年 on balances $2,500.00-$49,999.99; 0.20% 年 on balances $50,000.00及以上. Minimum daily balance of $100 required to earn dividends. $5 required minimum balance to open the account. No monthly Maintenance Service Charge. Fees may reduce earnings. 

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成员储蓄

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

关键特性

  • No monthly Maintenance Service Charge
  • Tiered dividend rates that increase as your account balance grows
  • Maintain a minimum daily balance of $100 to earn dividends

开户

MAY BE A GOOD CHOICE IF

  • You want to establish your 元素 membership
  • You plan to maintain less than a $2,500 daily balance

Compare to Other 储蓄 Accounts

What are the advantages of a 成员储蓄 Account?

Establishing 元素 Membership

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. 

Competitive, Tiered 股息 利率

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. 

With 成员储蓄, you'll also enjoy:

  • No monthly Maintenance Service Charge
  • 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
  • Shared branch access at more than 5,000 分支机构 在全国范围内
  • Ability to manage your account in 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

Compare to Other 储蓄 Accounts

How does 成员储蓄 compare to other savings options?

Compare 成员储蓄 to our other options below.

  成员储蓄 高收益储蓄 Share 证书s (Fixed 率) Flex 率 证书s (Variable 率)
  开户 开户 Buy a Share 证书 Buy a Flex 率 证书
关键好处

No monthly Maintenance Service Charge

No monthly Maintenance Service Charge

Higher rate than most regular savings accounts

股息 rates that keep pace with a changing rate environment by flexing when the Prime 率 changes, 向上或向下
A Good Option If You

Want a simple 储蓄 account to establish your 元素 membership

Like to earn higher dividends on your higher balances

Want a more predictable savings balance

Want to diversify your investments

You want to diversify beyond traditional savings accounts and other investments
年 0.20% on balances $50,000及以上1 4.00% on balances $10,000 and greater2 因期限而异 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 股息 rates that adjust with the Prime 率
Minimum Balance to Earn 股息s $100 $0.01 — —
No Monthly Maintenance Service Charge
Minimum Balance to Open $5 — — —
可用的术语 — — 6 months to 5 years 12及24个月
可用的数量 — — $1,000 or more ($500 or more if under age 18) $1,000 or more ($500 or more if under age 18)
No Monthly 活动费用 — —
Unlimited Transactions Per Month Allowed — —
  开户 开户 Buy a Share 证书 Buy a Flex 率 证书

What fees can I expect?

No Maintenance Service Charge

The 成员储蓄 Account has NO monthly Maintenance Service Charge.

活动费用

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, 贷款, 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.

Is 元素 利记 easy to use?

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
  • Deposit checks using your phone or computer camera
  • View check images online
  • Pay your bills online 24/7/365
  • 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 Savvy钱 credit score with any checking account or 贷款
  • Pay friends and family conveniently with Zelle® 加上其他 digital wallet options
  • 和更多的

Learn 更多的 about 利记

Why should I choose 元素 for my checking account?

Like a Bank, Only Better!

更好的利率. 更少的费用.

Because we’re a credit union, we return profits to members in the form of reduced fees, higher savings rates and lower 贷款 rates.

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 nationally3. We serve members in all 50 states and 50+ countries. 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.

Our technology makes banking with 元素 easy. 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

How do I open an account?

Getting started is as easy as 1-2-3!

  1. Open an account online - Open an account online in as little as 10 minutes. 或打电话 1-800-621-2105 开始吧. Have your government-issued ID (driver’s license, 状态标识, or passport) and your Social Security number ready.
  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 成员储蓄 Account 现在开放了.
  3. Enroll in 利记 - Easily check your balances, 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. Learn more about 利记.

开户

多年来, I've 保存 plenty of money for my home, kids and retirement in my 元素 savings account.

——约翰五世. | Member since 2002

How Much Should I Save to Reach My Goal?

储蓄计算器

结果

Each year, you will need to 保存 ____美元

Trusted 储蓄的建议. 新鲜的方法.

储蓄的建议

View all 储蓄 Articles

Members Also Viewed:

Other 储蓄 Options
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 September 1, 2024, and may change after account opening without notice. 0.10% 年 on balances $100.00-$2,499.99; 0.15% 年 on balances $2,500.00-$49,999.99; 0.20% 年 on balances $50,000.00及以上. Minimum daily balance of $100 required to earn dividends. $5 required minimum balance to open the account. No monthly Maintenance Service Charge. Fees may reduce earnings. 
  2. 2 高收益储蓄 年度百分比 收益率 (年) accurate as of September 20, 2024. 高收益储蓄 is a tiered savings account paying a variable dividend rate, that may change at any time, 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. 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4.00% 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. Other qualifications may apply. Offer may be discontinued at any time. Fees may reduce earnings.
  3. 3 Based on asset size as of 12/31/2022.
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