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增加账户

Teach your kids how to 保存 and manage money, while boosting their future with youth savings.

下载会员申请开始

或打电话 1-800-621-2105

增加账户 股息 率  年 
$100.00及以上 0.49% 0.50%

增加账户 年度百分比 收益率 (年) effective as of May 1, 2024, 开户后如有变动,恕不另行通知. 赚取股息所需的每日最低余额为100美元. 费用可能会减少收入. At least one account owner must be 18 years of age or older, 其中一个账户持有人必须在18岁以下.

增加账户

为终身财务健康奠定基础.

关键特性

  • 18岁以下儿童专用账户
  • 没有每月维护或不活动费用
  • Maintain a minimum daily balance of $100 to earn dividends

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可能是不错的选择吧

  • 你正在为一个未满18岁的孩子开设账户
  • 你想教你的孩子如何存钱和理财

与其他储蓄账户相比

成长账户的优势是什么?

父亲和女儿在存钱罐里存钱

他们自己的钱

It’s never too soon to begin teaching your children about handling money responsibly. Opening a savings account in their name is a great way to start. They can put their hard-earned allowance in there or perhaps part of their birthday gifts from relatives. And they will also have the thrill of watching their balance grow to the amount needed for a special purchase they have in mind. You can also request an ATM card so they can learn how to responsibly use that to access their funds.

获得分红

A 增加账户 requires a minimum daily balance of just $100 to earn dividends.

使用Grow帐户,您还将享受:
  • 无需每月维修服务费
  • 不活动费用
  • 简单的费率结构, which means it offers the same dividend rate on a minimum daily balance of $100及以上
  • 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
  • 共享分支访问超过5000个 分支机构 在全国范围内
  • 能够管理您的帐户在 利记或手机应用程序 从任何设备

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与其他储蓄选择相比,成长账户如何?

成长账户只适用于18岁以下的会员. See below for other differences among our savings options.

  增加账户 成员储蓄 高收益储蓄 证书
关键好处

没有每月维护服务费或闲置费

无需每月维修服务费

无需每月维修服务费

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

是否为未满18岁的孩子开设账户

想教你的孩子如何存钱和理财吗

Want a simple 储蓄 account to establish your 元素 membership

喜欢在你的高余额上赚取更高的股息

想要一个更可预测的储蓄余额

想要分散你的投资

0.余额$100或以上50%1 0.5万美元及以上的余额20%2 4.1万美元及以上存款25%3 因期限而异
税率结构 Simple rate structure on all daily balances of $100及以上 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
赚取股息的最低余额 $100 $100 $0.01
无需每月维修服务费
最低开户余额 $5 $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

我能指望多少费用啊?

一家三口在吃早餐

无维护费或闲置费

There is no monthly Maintenance Fee or Inactivity Fee on a 增加账户; however, 它可以在三年不活动后进入休眠状态. 请参阅我们的 费用表 有关储蓄产品的收费详情.

Can a 增加账户 be the member (primary) share account for members under 18?

A young man with headphones on working on homework on his couch

是的, the 增加账户 is intended to take the place of the 成员储蓄 account for members under 18 (having a savings account with us is the part that makes your membership in the credit union official). When it is the member (primary) share account for credit union membership, 该账户将从利记app官网收到5美元.

What happens when the account holder surpasses the age of 18?

一群朋友分享披萨

As mentioned above, to open an account, the child must be under the age of 18. 当主帐户所有者年满25岁时, 资金必须转移到另一种储蓄账户类型. The member will be notified of other options prior to their 25th birthday.

元素利记是否易于使用?

一对闺蜜在沙发上拥抱

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, make loan payments, and transfer money between accounts
  • 用手机或电脑相机存支票
  • 在线查看检查图像
  • 24/7/365在线支付账单
  • 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 loan
  • 支付朋友和家人方便 Zelle® 加上其他 数字钱包选项
  • 和更多的

了解利记更多信息 & 手机应用程序

为什么我要选择元素作为我的储蓄帐户?

一个拿着手机和一袋购物用品的女人

像银行一样,只是更好!

更好的利率. 更少的费用.

因为我们是信用合作社, 我们以降低费用的形式将利润返还给会员, 更高的储蓄率, 更低的贷款利率.

可信的建议. 新鲜的方法.

We pride ourselves on being a trusted source for financial education. Your 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. 我们为所有50个州和50多个国家的会员提供服务. 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.

我们的技术使使用元素进行银行业务变得简单. 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

我怎样开一个帐户?

一个四口之家一起做蛋糕

完整的 & 把这些PDF格式的表格发给我们

To open a 增加账户 for your child, complete these forms:

将这些表单返回到一个元素中 位置 或者发邮件给我们 customerservice@aajharyana.com. 如果您需要帮助填写表格,请打电话给我们 1-800-621-2105.

利记 & 手机应用程序

一旦您的Grow帐户打开,您就可以 注册利记. 利记可以让你方便地查询你的余额, 存款支票, 并通过智能手机在账户之间转账, 平板电脑, 笔记本电脑或台式机. 了解更多关于利记的信息.

下载会员申请 下载会员附录

我应该存多少钱才能达到我的目标?

储蓄计算器

结果

  1. 1 增加账户 年度百分比 收益率 (年) effective as of May 1, 2024, 开户后如有变动,恕不另行通知. 赚取股息所需的每日最低余额为100美元. 费用可能会减少收入. At least one account owner must be 18 years of age or older, 其中一个账户持有人必须在18岁以下.
  2. 2 成员储蓄 年度百分比 收益率 (年) effective as of May 1, 2024, 开户后如有变动,恕不另行通知. 0.余额100美元有10%的年利率.00-$2,499.99; 0.余额2500美元,年利率15%.00-$49,999.99; 0.5万美元余额20%的年利率.00及以上. 赚取股息所需的每日最低余额为100美元. 开户的最低结余为5美元. 无需每月维修服务费. 费用可能会减少收入. 
  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, 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. 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. 每个层的附加信息:年为0.10%适用于余额为0美元起的账户.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%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. 报盘可随时终止. 费用可能会减少收入.
  4. 存单最低存款额为1000美元. 18岁以下的初级会员必须持有$500.开立证书的最低余额为00美元. 赚取股息最少需要500美元的结余. 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 基于截至2022年12月31日的资产规模.