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证书

The savings that boosts your return with a highly competitive rate.

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  1. 首页
  2. 储蓄
  3. 证书
证书 股息 率  年 
6个月期限 2.44% 2.50%
8个月期限 4.87% 5.05%
1年期限 2.53% 2.60%
13个月期限 4.59% 4.75%
18个月期限 4.11% 4.25%
2年期限 2.63% 2.70%
3年期限 2.73% 2.80%
四年任期 2.82% 2.90%
5年期限 2.92% 3.00%

证书 年度百分比 收益率 (年) effective as of April 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.

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. 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.

问题?

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

1-800-621-2105

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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

证书

对于资金，您不需要快速访问.

关键特性

  • 类似于银行的存单
  • 比大多数普通储蓄账户的利率要高
  • Available in amounts of $1,000 or more (as little as $500 if under age 18)1
  • 股息 rates that increase with the length of the 证书 term
  • Other terms and rates available from 六个月到五年

购买证书

也许是个不错的选择

  • 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

比较其他储蓄选择

What is the difference between a 证书 and a savings account?

A couple drinking coffee laughing over something on their phone

There are two main differences: a 证书 can earn higher dividends, but you must wait a specified amount of time to get the money back out. 请参阅下面的其他差异:

证书

  • 利率在存续期内不变
  • Accurately estimate your earnings over time with a fixed rate
  • Possibly get higher rates than savings accounts when you select longer terms
  • 期限从6个月到5年不等
  • No fees when you hold your account to maturity, but there can be penalties for early withdrawal
  • No access to your deposit through checks, ATM transactions, or electronic transfers

储蓄账户

  • 在您持有账户期间，利率可以调整
  • Typically lower rates than 证书, but your funds are liquid and easily accessible
  • 的元素 氦储蓄账户 利率是否高达1.余额大于2500美元的，年利率为00%
  • Access to your deposits through ATMs and compatible with electronic transfers

比较其他储蓄选择 购买证书

How does a 证书 compare to other savings options?

将证书与下面的其他选项进行比较.

  证书 成员储蓄 高收益储蓄 隐匿处储蓄
  购买证书 开户 开户 开户
关键好处

比大多数普通储蓄账户的利率要高

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
一个不错的选择，如果你

想要一个更可预测的储蓄余额

想要分散你的投资

Want a simple 储蓄 account to establish your 元素 membership

Like to earn higher dividends on your higher balances

就像眼不见，心不烦一样

想要为一个特殊的目标存一些钱
年 因期限而异 0.5万美元及以上的余额20%2 4.1万美元及以上存款25%3 0.余额$100或以上20%4
税率结构 股息 rates that increase with the length of the 证书 term Tiered dividend rates that increase as your account balance grows Tiered dividend rates that increase as your account balance grows —
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)1 — — —
没有每月不活动费用 — — —
每月允许无限交易 —
  购买证书 开户 开户 开户

证明书如何计算股息?

三个朋友在喝啤酒

For each account, the dividend period is the account’s term. The dividend period begins on the first day of the term and ends on the maturity date. The compounding and crediting frequency of dividends are stated in the 证明存款真实情况披露. 

What is the penalty for early withdrawal on a 证书?

A man hugging another man in front of an open laptop paying bills

The amount of the early withdrawal penalty is based on the term of your account. The penalty is calculated as a forfeiture of part of the dividends that have been or would be earned on the account. 点击这里了解详情. 

为什么我应该为证书选择元素?

一个女人用手机付早餐钱

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, we return profits to members in the form of reduced fees, 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. 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.

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 branches nationwide and 78,000+ surcharge-free ATMs 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.

开始

我如何取得证书?

我们在线申请的截图.

开始就像1-2-3一样简单!

  1. 在线购买证书 Open a 证书 account online in as little as 10 minutes. 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. 〇检查电子邮件 You will receive an email within one business day to notify you that your 证书 account is approved. 就是这样! 你现在拥有一个 元素的证书.
  3. 注册利记- 轻松查看余额, 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.

购买证书

I found the certificate rates at 元素 and knew I needed to take advantage of them. 城里最好的!!

——坦纳E. | 2015年加入至今

我的证书能挣多少钱?

证书的计算器

结果

你的期末余额将是 ____美元

___个月后

业绩不包括潜在的股息税.

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建议

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其他省钱的方法
  1. 存单最低存款额为1,000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. 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.
  2. 2 成员储蓄 年度百分比 收益率 (年) effective as of April 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. 
  3. 3 高收益储蓄 年度百分比 收益率 (年) 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 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. 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.
  4. 4 隐匿处储蓄 年度百分比 收益率 (年) effective as of April 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.
  5. 5 基于截至2022年12月31日的资产规模.