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Helium Savings

Elevate your savings.

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Helium Savings Dividend Rate  APY 
$0.01 - $2,499.99 0.10% 0.10%
$2,500.00 - $9,999.99 0.99% 1.00%
$10,000.00 and Above 0.99% 1.00%

自2024年4月1日起，氦气节省年度百分比收益(APY)生效, 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. 

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

Live Chat Schedule Appointment with Savings Expert

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

Helium Savings

Where larger balances continue to expand.

KEY FEATURES

  • No monthly Maintenance Service Charge
  • 按日结余赚取的股息，按月公布

Open an Account

MAY BE A GOOD CHOICE IF

  • 你喜欢在较高的余额上获得较高的股息

Compare to Other Savings Accounts

What are the advantages of a Helium Savings Account?

An older couple in front of their laptop.

Tiered Dividend Rates

氦储蓄有一个分层的利率结构，你可以获得更高的股息，你存的越多.

No Fees

Helium Savings also has no fees, 这样你就既能保持账户余额，又能获得股息. 在账户里存钱或提款都是免费的.

With Helium Savings, you'll also enjoy:

  • No monthly Maintenance Service Charge
  • 可选择申请Elements ATM卡以在超过 78,000 surcharge-free ATMs worldwide
  • Shared branch access at more than 5,000 branches nationwide
  • Ability to manage your account in Online Banking or the Mobile App from any device
  • 方便您直接存入工资单或联邦福利

Compare to Other Savings Accounts Open an Account

Helium Savings与其他节能方案相比如何?

Compare Helium Savings to our other options below.

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

No fees

No monthly Maintenance Service Charge

No monthly Maintenance Service Charge

Higher rate than most regular savings accounts
A Good Option If You

Plan to maintain a large balance in your savings

想要一个简单的储蓄账户来建立您的Elements会员资格

Like to earn higher dividends on your higher balances

Want a more predictable savings balance

Want to diversify your investments
APY 1.00% on balances $2,500 and above1 0.20% on balances $50,000 and above2 4.25% on balances $10,000 and greater3 Varies by term
Rate Structure 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 分层股息率随着你账户余额的增长而增加 股息率随证书期限的延长而增加
Minimum Balance to Earn Dividends $0.01 $100 $0.01 —
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)4
No Monthly Inactivity Fee — — —
Unlimited Transactions Per Month Allowed —
  Open an Account Open an Account Open an Account Buy a Certificate

What fees can I expect?

一对夫妇在农产品部买柑橘.

No Maintenance Service Charge

氦储蓄账户没有每月维护服务费.

Inactivity Fee

对于25岁及以上的会员，每月有5美元的不活动费，如果你核对的话 and savings accounts have had no activity for at least 12 months; you have no other active deposit, loan, or credit card product with Elements; and deposit balances total $1,000 or less. 从第一个有足够资金支付费用的支票账户或储蓄账户中收取, 从支票开始，然后转移到储蓄，直到收取全部费用.

Is Elements Online Banking easy to use?

一个蓝头发的女人在餐厅吃寿司的时候在手机上.

Yes! 它很容易做你的银行和预算与元素-无论你在哪里. 我们哪个赌钱app比较好的目标很简单:为您提供最先进的数字银行体验，您可以依靠，并在所有设备上保持一致.

透过Elements哪个赌钱app比较好及我们的流动应用程式，您可以:

  • 检查你的余额，支付贷款，在账户间转账
  • Deposit checks using your phone or computer camera
  • View check images online
  • Pay your bills online 24/7/365
  • 用14个月的电子报表档案回顾你的账户历史
  • Locate branches and ATMs near you
  • 查看您的SavvyMoney信用评分与任何支票帐户或贷款
  • Pay friends and family conveniently with Zelle® plus other digital wallet options
  • And more

Learn More about Online Banking & Mobile App

Why should I choose Elements for my savings account?

A woman paying 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 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. 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，通知您帐户批准. That’s it! Your Helium Savings Account is now open.

  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.

Open an Account

我在寻找一个利率比平时高的储蓄账户，在看到Elements在印第安人队比赛上的广告后，我发现了他们. 我把大量的积蓄转到了Helium账户，这是一次很棒的经历.

- Blake Z. | Member since 2017

How Much Should I Save to Reach My Goal?

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  1. 1 自2024年4月1日起，氦气节约年度百分比收益(APY) and may change after account opening without notice. 0.10% APY on balances $0.01-$2,499.99; 1.00% APY on balances $2,500.00-$9,999.99; 1.00% APY on balances $10,000.00 and Above. $5 required minimum balance to open the account. No monthly Maintenance Service Charge. Fees may reduce earnings. 
  2. 2 从2024年4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. $5 required minimum balance to open the account. No monthly Maintenance Service Charge. Fees may reduce earnings. 
  3. 3 截至2024年4月1日，年度百分比收益率(APY)准确. 高收益储蓄是一种支付可变股息率的分层储蓄账户, that may change at any time, 根据每日余额对应的分级费率，按您帐户中的全部余额计收. 该帐户只适用于新资金，这些资金是在开立高收益储蓄账户之前90天内未存入元素的资金. 拥有储蓄账户的Elements现有会员必须存入25,000美元.在开立高收益储蓄帐户后的10天内，存入$ 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 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. 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.
  5. 5 Based on asset size as of 12/31/2022.