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储蓄

Growing your money today for dreams tomorrow. 比较 our popular savings accounts.

概述

  • 无每月维修费
  • Tiered interest rates that increase as your account balance grows

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
成员储蓄 股息 率  年 
$100 - $24,999 0.10% 0.10%
$25,000 - $49,999 0.15% 0.15%
50000美元以上 0.20% 0.20%

成员储蓄 Annual Percentage Yield (年) effective as of December 1, 2021, and may change after account opening without notice. Average daily balance of $100 required to earn dividends. 费用可能会减少收益. 无每月维修费. $5 required minimum balance to open the account.

概述

  • Simple, single-tiered savings account
  • 没有费用

一个好的选择如果:

  • You plan to maintain a $2,500 daily balance to earn dividends
氦储蓄 股息 率  年 
$100 - $2,499 0.00% 0.00%
$2,500 - $9,999 0.39% 0.40%
10000美元以上 0.39% 0.40%

氦储蓄 Annual Percentage Yield (年) effective as of December 1, 2021, and may change after account opening without notice. Average daily balance of $2,500 required to earn dividends. 费用可能会减少收益.

概述

  • Add to 隐匿处储蓄 all year
  • Easily transfer funds to your 元素 checking account when you’re ready to shop
  • 无每月维修费
  • 没有最低余额

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
隐匿处储蓄 股息 率  年 
$100 - $24,999 0.10% 0.10%
$25,000 - $49,999 0.15% 0.15%
50000美元以上 0.20% 0.20%

隐匿处储蓄 Annual Percentage Yield (年) effective as of December 1, 2021, and may change after account opening without notice. Average daily balance of $100 required to earn dividends. 费用可能会减少收益. 无每月维修费. 没有最低余额 requirements apply. 

概述

  • Special account only for children under age 18
  • No monthly maintenance or inactive fees
  • Potential to earn bonus dividends

一个好的选择如果:

  • You want to teach your kids how to save and manage money
青年储蓄 股息 率  年 
100美元以上 0.25% 0.25%

The Grow Account Annual Percentage Yield (年) effective as of December 1, 2021, and may change after account opening without notice. Average daily balance of $100 required to earn dividends. If you maintain a minimum average daily balance (ADB) of $500 for a quarter, you will receive a bonus dividend, paid at the end of the quarter. The bonus dividend will be equal to the cumulative dividends paid during that quarter. The ADB is calculated by adding the full amount of the principal in the account each day for the period and dividing the figure by the number of days in the period. 费用可能会减少收益. For opening the Grow Account, the age restriction is under 18 years old.

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

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
健康储蓄帐户(HSA) 股息 率  年 
$0 - $2,499 0.10% 0.10%
$2,500 - $9,999 0.30% 0.30%
$10,000 - $24,999 0.30% 0.30%
25000美元以上 0.30% 0.30%

健康储蓄账户 Annual Percentage Yield (年) effective as of December 1, 2021, and may change after account opening without notice. 费用可能会减少收益.

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)1
  • Terms from 6 months to 5 years

一个好的选择如果:

  • You want a more predictable savings balance
  • 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
证书 股息 率  年 
6个月期限 0.197% 0.200%
1年期限 0.295% 0.300%
18个月的任期 0.344% 0.350%
2年期限 0.393% 0.400%
三年任期 0.492% 0.500%
4年任期 0.590% 0.600%
5年任期 0.688% 0.700%

证书 Annual Percentage Yield (年) effective as of December 1, 2021, and may change without notice. 费用可能会减少收益. 提前退出的罚款.

Minimum certificate deposit of $1,000. Maximum is $250,000 deposit per certificate; $1 million per household. Minimum required to open a child’s certificate is $500; child must be under 18 years of age. Minimum of $500 balance required to earn dividends. We may impose a penalty if you withdraw any of the principal before maturity.

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)
  • Contribute up to $6,000 per tax year

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)
  • You’ve maxed out your 401(k) contribution
  • Trade-off: ira can have lower contribution limits than 401(k)s
ira 股息 率  年 
6个月期限 0.197% 0.200%
1年期限 0.295% 0.300%
18个月的任期 0.344% 0.350%
2年期限 0.393% 0.400%
三年任期 0.492% 0.500%
4年任期 0.590% 0.600%
5年任期 0.688% 0.700%

爱尔兰共和军 Annual Percentage Yield (年) effective as of December 1, 2021,  and may change without notice. 费用可能会减少收益.

Four Types of 信托账户:

  • 信托控股帐户——可撤销的信任
  • Uniform Transfer to Minors Act (UTMA) Account—custodial account for minors
  • 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—for guardians to manage funds of a ward

一个好的选择如果:

  • You need to manage funds on behalf of a third party
  1. 1 Minimum certificate deposit of $1,000. Maximum is $250,000 deposit per certificate; $1 million per household. Minimum required to open a child’s certificate is $500; child must be under 18 years of age. Minimum of $500 balance required to earn dividends. We may impose a penalty if you withdraw any of the principal before maturity.