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Member Savings

建立您的Elements会员资格,同时获得有竞争力的分层股息率.

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Or call 1-800-621-2105

Member Savings Dividend Rate  APY 
$100.00 - $2,499.99 0.10% 0.10%
$2,500.00 - $49,999.99 0.15% 0.15%
$50,000.00 and Above 0.20% 0.20%

从2024年6月1日起生效的会员储蓄年度百分比收益率(APY) and may change after account opening without notice. 0.10% APY on balances $100.00-$2,499.99; 0.15% APY on balances $2,500.00-$49,999.99; 0.20% APY on balances $50,000.00 and Above. 赚取股息所需的每日最低余额为100美元. $5 required minimum balance to open the account. No monthly Maintenance Service Charge. Fees may reduce earnings. 

Member Savings

当你开户成为会员时,我们会给你5美元.

KEY FEATURES

  • No monthly Maintenance Service Charge
  • 分层股息率随着你账户余额的增长而增加
  • 每天保持100美元的最低余额以赚取股息

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MAY BE A GOOD CHOICE IF

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

Compare to Other Savings Accounts

What are the advantages of a Member Savings Account?

Mother and baby paying bills.

Establishing Elements Membership

会员储蓄账户是一个不错的选择,如果你只是想建立你的元素会员资格(在我们这里有一个储蓄账户是使你成为信用合作社正式会员的一部分). 我们甚至会投入5美元让你开始-不需要从现有账户转移资金. 

Competitive, Tiered Dividend Rates

如果你打算把每天的余额控制在2500美元以下,这也是一个不错的选择. 该账户只需要100美元的最低余额就可以赚取股息,并随着账户余额的增加而支付越来越多的股息. 

With Member Savings, you'll also enjoy:

  • No monthly Maintenance Service Charge
  • 可选择申请Elements ATM卡以在超过 78,000 surcharge-free ATMs worldwide
  • Shared branch access at more than 5,000 branches nationwide
  • Ability to manage your account in Online Banking or the Mobile App from any device
  • 方便您直接存入工资单或联邦福利

Compare to Other Savings Accounts

会员储蓄与其他储蓄有何不同?

Compare Member Savings to our other options below.

  Member Savings High Yield Savings Hideaway Savings Certificates
Key Benefits

No monthly Maintenance Service Charge

No monthly Maintenance Service Charge

No monthly Maintenance Service Charge

No minimum balance

Higher rate than most regular savings accounts

A Good Option If You

想要一个简单的储蓄账户来建立您的Elements会员资格

Like to earn higher dividends on your higher balances

Like the idea of out of sight, out of mind

Want to stash some cash away for a special goal

Want a more predictable savings balance

Want to diversify your investments

APY 0.20% on balances $50,000 and above1 4.25% on balances $10,000 and greater2 0.20% on balances $100 and above3 Varies by term
Rate Structure 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
Minimum Balance to Earn Dividends $100 $0.01 $100
No Monthly Maintenance Service Charge
Minimum Balance to Open $5
Available Terms 6 months to 5 years
Available Amounts $1,000 or more ($500 or more if under age 18)4
No Monthly Inactivity Fee
Unlimited Transactions Per Month Allowed

What fees can I expect?

A couple cooking in their kitchen.

No Maintenance Service Charge

会员储蓄帐户每月不收取维修服务费.

Inactivity Fee

对于25岁及以上的会员,每月有5美元的不活动费,如果你核对的话 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 or less. 从第一个有足够资金支付费用的支票账户或储蓄账户中收取, 从支票开始,然后转移到储蓄,直到收取全部费用.

Is Elements Online Banking easy to use?

A student paying his bills and talking on the phone.

Yes! 它很容易做你的银行和预算与元素-无论你在哪里. 我们利记的目标很简单:为您提供最先进的数字银行体验,您可以依靠,并在所有设备上保持一致.

透过Elements利记及我们的流动应用程式,您可以:
  • 检查你的余额,支付贷款,在账户间转账
  • Deposit checks using your phone or computer camera
  • View check images online
  • Pay your bills online 24/7/365
  • 用14个月的电子报表档案回顾你的账户历史
  • Locate branches and ATMs near you
  • 查看您的SavvyMoney信用评分与任何支票帐户或贷款
  • Pay friends and family conveniently with Zelle® plus other digital wallet options
  • And more

Learn More about Online Banking

Why should I choose Elements for my checking account?

A woman paying with her cell phone

Like a Bank, Only Better!

Better Rates. Fewer Fees.

Because we’re a credit union, 我们以降低费用的形式将利润返还给会员, higher savings rates and lower loan rates.

Trusted Advice. Fresh Approach.

我们以成为值得信赖的金融教育机构而自豪. 你的财务健康专家会来到你的工作场所回答你的问题,并为你提供一对一的帮助,帮助你应对人生每个阶段的变化.

Respected Locally. Accessed Globally.

自1930年以来,我们的总部设在印第安纳波利斯,在全国信用合作社中排名前3%5. We serve members in all 50 states and 50+ countries. 您可以使用全国5000多家共享分行和全球78000多台免费atm机.

High Tech. Human Touch.

Our technology makes banking with Elements easy. 从快速的数字应用程序到在线和移动银行,无论您走到哪里,我们都会在您身边. 我们在这里为您提供全天候会员服务,并在工作日进行实时聊天.

Open an Account

How do I open an account?

A screenshot of our online application.

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

  1. Open an account online - Open an account online in as little as 10 minutes. Or call 1-800-621-2105 to get started. Have your government-issued ID (driver’s license, state ID, or passport) and your Social Security number ready.
  2. 检查您的电子邮件-您将在一个工作日内收到一封电子邮件,通知您帐户批准. That’s it! Your Member Savings Account is now open.
  3. Enroll in Online Banking - Easily check your balances, make loan payments, 通过智能手机支付账单和转账, tablet, laptop or desktop. Learn more about Online Banking.

Open an Account

Over the years, I've saved plenty of money for my home, kids and retirement in my Elements savings account.

- John V. | Member since 2002

How Much Should I Save to Reach My Goal?

Savings Calculator

Results

  1. 1 从2024年6月1日起生效的会员储蓄年度百分比收益率(APY) and may change after account opening without notice. 0.10% APY on balances $100.00-$2,499.99; 0.15% APY on balances $2,500.00-$49,999.99; 0.20% APY on balances $50,000.00 and Above. 赚取股息所需的每日最低余额为100美元. $5 required minimum balance to open the account. No monthly Maintenance Service Charge. Fees may reduce earnings. 
  2. 2 截至2024年6月1日的年度百分比收益率(APY)准确. 高收益储蓄是一种支付可变股息率的分层储蓄账户, that may change at any time, 根据每日余额对应的分级费率,按您帐户中的全部余额计收. 该帐户只适用于新资金,这些资金是在开立高收益储蓄账户之前90天内未存入元素的资金. 拥有储蓄账户的Elements现有会员必须存入25,000美元.在开立高收益储蓄帐户后的10天内,存入$ 00或以上的新资金. 现有的“元素”成员的储蓄账户合计每日余额为2,500美元.在开户前90天内存入100英镑或更少的存款,不受新存款要求的限制. Additional information for each tier: An APY 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. An APY of 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 and above. 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 从2024年6月1日起生效的年度百分比收益率(APY) and may change after account opening without notice. 0.20% APY on balances $100.00 and Above. 赚取股息所需的每日最低余额为100美元. Fees may reduce earnings. No monthly Maintenance Service Charge. No minimum balance requirements apply.
  4. 4 Minimum certificate deposit of $1,000. Primary members under the age of 18 must have a $500.00 minimum balance to open certificate. Minimum of $500 balance required to earn dividends. 如果您在到期前支取本金,我们可能会收取罚金. Elements保留在任何时候限制证书余额的权利.
  5. 5 Based on asset size as of 12/31/2022.