| Member Savings | Helium Savings | Certificates | Health Savings Account | Hideaway Savings | Youth Savings: The Grow Account | Traditional & Roth IRAs | Trust Accounts | |
|---|---|---|---|---|---|---|---|---|
| Open an Account | Open an Account | Buy a Certificate | Open an Account | Open an Account | Open an Account | Call to Open an IRA 1-800-621-2105 | Call to Open an Account 1-800-621-2105 | |
| Key Benefits |
No monthly maintenance fee |
No fees |
Higher rate than most regular savings accounts |
Tax-free savings for medical expenses |
No monthly maintenance fee No minimum balance |
No monthly maintenance or inactive fees Potential to earn bonus dividends |
Tax-advantaged savings for retirement: - Tax-deductible contributions (Traditional IRA) - Tax-exempt withdrawals (Roth IRA) |
Easy way to manage funds for others |
| A Good Option If You |
Want a simple Savings account to establish your Elements membership |
Plan to maintain a large balance in your savings |
Want a more predictable savings balance Want to diversify your investments |
Have a high-deductible health plan (HDHP) Want a safe and convenient way to pay for health expenses |
Like the idea of out of sight, out of mind Want to stash some cash away for a special goal |
Are setting up an account for a child under age 18 Want to teach your kids how to save and manage money |
Are self-employed or don't have access to an employer-sponsored plan like a 401(k) Have maxed our your 401(k) |
Need to manage funds on behalf of a third party |
| APY | 0.20% on balances $50,000 and above1 | 0.60% on balances $2,500 and above2 | Varies by term | Up to 0.30% on balances $25,000 and above | 0.20% on balances $50,000 and above3 | 0.25% on balances $100 and above4 | Varies by term | Call for Rates |
| Rate Structure | Tiered dividend rates that increase as your account balance grows | Tiered dividend rates that increase as your account balance grows | Dividend rates that increase with the length of the Certificate term | Tiered dividend rates that increase as your account balance grows | Tiered dividend rates that increase as your account balance grows | Average daily balance of $500 and above per quarter receives a quarterly bonus | Tiered dividend rates that increase with the length of the IRA term | Differs based on type of trust. Call for details. |
| Minimum Balance to Earn Dividends | $100 | $0.01 | — | $100 | $100 | $100 | — | — |
| No Monthly Maintenance Fee | — | |||||||
| Minimum Balance to Open | $5 | — | — | — | — | — | — | — |
| Available Terms | — | — | 6 months to 5 years | — | — | — | 6 months to 10 years | — |
| Available Amounts | — | — | $1,000 or more ($500 or more if under age 18) | — | — | — | Contribute up to $6,000 per tax year (possibly $7,000 if over age 50) | — |
| No Monthly Inactive Fee | — | — | — | |||||
| Unlimited Transactions Per Month Allowed | — | |||||||
| Open an Account | Open an Account | Buy a Certificate | Open an Account | Open an Account | Open an Account | Call to Open an IRA 1-800-621-2105 | Call to Open an Account 1-800-621-2105 |
View Savings Account Terms and Conditions
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