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Certificates

以极具竞争力的利率提高您的回报.

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Certificate Dividend Rate  APY 
6 Month Term 2.44% 2.50%
8 Month Term 4.87% 5.05%
1 Year Term 2.53% 2.60%
13 Month Term 4.59% 4.75%
18 Month Term 4.11% 4.25%
2 Year Term 2.63% 2.70%
3 Year Term 2.73% 2.80%
4 Year Term 2.82% 2.90%
5 Year Term 2.92% 3.00%

自2024年5月1日起生效的债券年收益率(APY) and may change without notice. Fees may reduce earnings. Penalty for early withdrawal.

Minimum certificate deposit of $1,000. 18岁以下的初级会员必须持有$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.

Questions?

我们经验丰富、乐于助人的会员服务团队随时准备为您提供支持!

1-800-621-2105

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Certificates

For funds you don’t need to access quickly.

KEY FEATURES

  • Similar to a CD at a bank
  • Higher rate than most regular savings accounts
  • 可提供1,000美元或以上的金额(如果未满18岁，则可少至500美元)1
  • 股息率随证书期限的延长而增加
  • 其他期限及费率由6个月至5年不等

Buy a Certificate

MIGHT BE A GOOD CHOICE IF

  • You want a more predictable savings balance
  • 你想要在传统的储蓄账户和其他投资之外进行多样化投资
  • 权衡:必须等到证书期限结束后才能访问资金

Compare to Other Savings Options

定期存款和储蓄存款有什么区别?

一对夫妇边喝咖啡边聊手机

有两个主要区别:证书可以赚取更高的股息, 但是你必须等待一定的时间才能把钱取出来. See additional differences below:

Certificates

  • Rate doesn't change during the term of the account
  • 用固定的利率准确估计你的收入
  • 如果你选择更长的期限，你可能会得到比储蓄账户更高的利率
  • Choose a term from 6 months to 5 years
  • 存款到期不收费，但提前取款可能会有罚金
  • 不能通过支票、自动柜员机交易或电子转账访问您的存款

Savings Accounts

  • Rate can adjust while you hold the account
  • 通常比存单利率低，但你的资金是流动的，很容易提取
  • The Elements Helium Savings Account has rates as high as 1.00% APY for balances greater than $2,500
  • 可通过自动柜员机提取存款，并支持电子转账

Compare to Other Savings Options Buy a Certificate

存单与其他储蓄方式相比如何?

Compare a Certificate to our other options below.

  Certificates Member Savings High Yield Savings Hideaway Savings
  Buy a Certificate Open an Account Open an Account Open an Account
Key Benefits

Higher rate than most regular savings accounts

No monthly Maintenance Service Charge

No monthly Maintenance Service Charge

No monthly Maintenance Service Charge

No minimum balance
A Good Option If You

Want a more predictable savings balance

Want to diversify your investments

想要一个简单的储蓄账户来建立您的Elements会员资格

喜欢在你的高余额上赚取更高的股息

Like the idea of out of sight, out of mind

Want to stash some cash away for a special goal
APY Varies by term 0.20% on balances $50,000 and above2 4.25% on balances $10,000 and greater3 0.20% on balances $100 and above4
Rate Structure 股息率随证书期限的延长而增加 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 —
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)1 — — —
No Monthly Inactivity Fee — — —
Unlimited Transactions Per Month Allowed —
  Buy a Certificate Open an Account Open an Account Open an Account

How are dividends calculated on a Certificate?

A trio of friends having some beers

对于每个帐户，股息期是帐户的期限. 股息期从期限的第一天开始，到到期日结束. 股息的复利和贷记频率在 Certificate Truth-in-Savings Disclosure. 

提前支取存单的罚款是什么?

一个男人在一台打开的笔记本电脑前拥抱另一个男人，支付账单

提前提款罚金的数额取决于您的账户存期. 罚款的计算方式是没收账户上已经或将要赚取的部分股息. Get full details here. 

Why should I choose Elements for a Certificate?

A woman paying for breakfast with her 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.

Get Started

How do I get my Certificate?

A screenshot of our online application.

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

  1. Buy a Certificate online - 在短短10分钟内在线开设一个证书帐户. 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. Check your email - 您将在一个工作日内收到一封电子邮件，通知您您的证书帐户已被批准. That’s it! You now own an Elements Certificate.
  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.

Buy a Certificate

我发现了Elements的证书率，我知道我需要利用它们. Best in town!!

- Tanner E. | Member since 2015

How Much Will My Certificate Earn?

Certificate Calculator

Results

Your ending balance will be $____

after ___ months

Results do not include potential taxes on dividends.

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  1. 1 Minimum certificate deposit of $1,000. 18岁以下的初级会员必须持有$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.
  2. 2 从2024年5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. $5 required minimum balance to open the account. No monthly Maintenance Service Charge. Fees may reduce earnings. 
  3. 3 截至2024年5月1日，年度百分比收益率(APY)准确. 高收益储蓄是一种支付可变股息率的分层储蓄账户, that may change at any time, 根据每日余额对应的分级费率，按您帐户中的全部余额计收. 该帐户只适用于新资金，这些资金是在开立高收益储蓄账户之前90天内未存入元素的资金. 拥有储蓄账户的Elements现有会员必须存入25,000美元.在开立高收益储蓄帐户后的10天内，存入$ 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.
  4. 4 从2024年5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.
  5. 5 Based on asset size as of 12/31/2022.