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氦储蓄

增加你的储蓄.

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或打电话 1-800-621-2105

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  2. 储蓄
  3. 氦储蓄
氦储蓄 股息 率  年 
$0.01 - $2,499.99 0.10% 0.10%
$2,500.00 - $9,999.99 0.99% 1.00%
$10,000.00及以上 0.99% 1.00%

氦储蓄 年度百分比 收益率 (年) effective as of May 1, 2024, and may change after account opening without notice. $5 required minimum balance to open the account. No monthly Maintenance Service Charge. Fees may reduce earnings. 

问题?

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

1-800-621-2105

即时聊天 安排约会 with 储蓄 Expert

Chat Available Mon-Fri, 9 am-4:30 pm Eastern

氦储蓄

Where larger balances continue to expand.

关键特性

  • No monthly Maintenance Service Charge
  • 股息s earned on ending daily balances and posted monthly

开户

MAY BE A GOOD CHOICE IF

  • You like to earn higher dividends on your higher balances

Compare to Other 储蓄 Accounts

What are the advantages of a 氦储蓄 Account?

An older couple in front of their laptop.

分层股息率

Helium savings has a tiered rate structure where you can earn higher dividends the more you 保存.

没有费用

氦储蓄 also has no fees, so you maintain both your account balance and the dividends you earn. There’s no fee for keeping the money in the account or withdrawing it, as needed.

With 氦储蓄, 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 or the 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 开户

How does 氦储蓄 compare to other savings options?

Compare 氦储蓄 to our other options below.

  氦储蓄 成员储蓄 高收益储蓄 证书
  开户 开户 开户 购买证书
关键好处

没有费用

No monthly Maintenance Service Charge

No monthly Maintenance Service Charge

Higher rate than most regular savings accounts
一个不错的选择，如果你

Plan to maintain a large balance in your savings

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
年 1.00% on balances $2,500及以上1 0.20% on balances $50,000及以上2 4.25% on balances $10,000 and greater3 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 Tiered dividend rates that increase as your account balance grows 股息 rates that increase with the length of the 证书 term
Minimum Balance to Earn 股息s $0.01 $100 $0.01 —
No Monthly Maintenance Service Charge
Minimum Balance to Open — $5 — —
可用的术语 — — — 六个月到五年
可用的数量 — — — $1,000 or more ($500 or more if under age 18)4
No Monthly 活动费用 — — —
Unlimited Transactions Per Month Allowed —
  开户 开户 开户 购买证书

What fees can I expect?

A couple shopping for citrus in their produce department.

No Maintenance Service Charge

The 氦储蓄 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?

A woman with blue hair on her phone while eating sushi at a restaurant.

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 SavvyMoney 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 & 手机应用程序

Why should I choose 元素 for my savings account?

A woman paying with her phone

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 nationally5. 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.

开始

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. 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. 检查你的邮件 - You will receive an email within one business day to notify you of account approval. 就是这样! 你的 氦储蓄 Account 现在开放了.

  3. Enroll in online banking - 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

I was looking for a savings account with a higher-than-usual rate and I discovered 元素 after seeing their ads at an Indians game. I moved a significant amount of my savings into the Helium account and it's been a great experience.

——布莱克·Z. | 2017年加入至今

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

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Other 储蓄 Options
其他省钱的方法
  1. 1 氦储蓄 年度百分比 收益率 (年) effective as of May 1, 2024, and may change after account opening without notice. 0.10% 年 on balances $0.01-$2,499.99; 1.00% 年 on balances $2,500.00-$9,999.99; 1.00% 年 on balances $10,000.00及以上. $5 required minimum balance to open the account. No monthly Maintenance Service Charge. Fees may reduce earnings. 
  2. 2 成员储蓄 年度百分比 收益率 (年) effective as of May 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. 
  3. 3 高收益储蓄 年度百分比 收益率 (年) accurate as of May 1, 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 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. 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4.25% 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.
  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. 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.
  5. 5 Based on asset size as of 12/31/2022.