| Member Savings | Helium Savings | Certificates | Health Savings Account | Hideaway Savings | Youth Savings: The Grow Account | Traditional & Roth IRAs | Trust Accounts | |
|---|---|---|---|---|---|---|---|---|
| Apply Now | Open an Account | Buy a Certificate | Apply Now | Apply Now | 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 to establish your Elements membership Plan to maintain less than $2,500 daily balance |
Plan to maintain a $2,500 daily balance to earn dividends |
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 | 0.10% - 0.20%1 | Up to 0.75%2 | 0.500% - | - 3 | 0.10% - 0.20%4 | 0.25%5 | 0.500% - | Call for Rates |
| Rate Structure | Tiered interest rates that increase as your account balance grows | Simple, single-tiered rates | Tiered interest rates that increase with the length of the Certificate term | Tiered interest rates that increase as your account balance grows | Tiered interest rates that increase as your account balance grows | Average daily balance of $500 and above per quarter receives a quarterly bonus | Tiered interest 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 | $2,500 | — | $100 | $100 | $100 | — | — |
| No Monthly Maintenance Fee | — | |||||||
| Minimum Balance to Open | $5 | — | — | — | — | — | — | — |
| Available Terms | — | — | 6 months to 10 years | — | — | — | 6 months to 10 years | — |
| Available Amounts | — | — | $1,000 or more ($500 or more if under age 18) | — | — | — | Contribute up to $5,500 per tax year (possibly $6,500 if over age 50) | — |
| Apply Now | Open an Account | Buy a Certificate | Apply Now | Apply Now | 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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