| 高收益储蓄 | 股息 率 | 年 |
|---|---|---|
| $0.01 - $99.99 | 0.10% | 0.10% |
| $100.00 - $2,499.99 | 0.10% | 0.10% |
| $2,500.00 - $9,999.99 | 0.10% | 0.10% |
| $10,000.00 - 24,999.99 | 4.16% | 4.25% |
| $25,000.00 - $49,999.99 | 4.16% | 4.25% |
| $50,000.00 - $99,999.99 | 4.16% | 4.25% |
| $100,000.00 - $249,999.99 | 4.16% | 4.25% |
| $250,000.00及以上 | 4.16% | 4.25% |
高收益储蓄 promotional 年度百分比 收益率 (年) accurate as of October 1, 2023. 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. 结余$10,000.00及以上 will earn a fixed promotional 年度百分比 收益率 (年) of 4.25%到2023年10月31日. 年 = 0.余额不超过9999美元，可享受10%的优惠.99. The promotional 年 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 are eligible for the promotional 年 upon depositing $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. 11月1日, 2023, the promotional 年 will automatically convert to the then current non-promotional 年 which is variable and may change at any time without notice. 每个级别的附加信息:促销年为0.10%适用于余额为0美元起的账户.01 to $99.99; from $100.00 to $2,499.99; and from $2,500.00 to $9,999.99. 促销利率为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. 促销优惠可随时终止. 费用可能会减少收入.
高收益储蓄 has a tiered rate structure where you can earn higher dividends the more you 保存.
高收益储蓄也没有任何费用, 这样你就既能保持账户余额，又能获得股息. There’s no fee for keeping the money in the account or withdrawing it, as needed.
有了高收益储蓄，您还将享受:
将高收益储蓄与下面的其他选项进行比较.
| 高收益储蓄 | 成员储蓄 | 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 |
喜欢在你的高余额上赚取更高的股息 |
想要一个简单的储蓄账户来建立您的元素会员资格 |
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 | 4.在2023年10月31日之前，余额为1万美元及以上的25%1 | 0.5万美元及以上的余额20%2 | 0.余额$100或以上20%3 | 因期限而异 |
| 税率结构 | 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 |
| 赚取股息的最低余额 | $0.01 | $100 | $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 |
There are multiple options for moving money into your account, as follows:
The 高收益储蓄 account has NO monthly Maintenance Service Charge.
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.
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如果你已经有nba官方正规买球网站或移动应用程序与元素, you can expect the account to appear there within 15 minutes of account approval. 如果您目前没有nba官方正规买球网站或移动应用程序与NBA买球, you can enroll for online access once you receive your Member Number via your welcome email.
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