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Grow Account

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

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Or call 1-800-621-2105

Grow Account Dividend Rate  APY 
$100.00 and Above 0.49% 0.50%

Grow Account Annual Percentage Yield (APY) 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. Fees may reduce earnings. 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.

Grow Account

为终身财务健康奠定基础.

KEY FEATURES

  • 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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MAY BE GOOD CHOICE IF

  • 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

Their Own Money

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.

Earn Dividends

A Grow Account 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
  • No Inactivity Fee
  • A simple rate structure, which means it offers the same dividend rate on a minimum daily balance of $100 and above
  • Option to request an Elements ATM card to use at more than 78,000 surcharge-free ATMs worldwide
  • 共享分支访问超过5000个 branches nationwide
  • 能够管理您的帐户在 哪个赌钱app比较好或手机应用程序 from any device

下载会员申请开始

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.

  Grow Account Member Savings High Yield Savings Certificates
Key Benefits

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

A Good Option If You

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 Savings account to establish your Elements 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

APY 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 Varies by term
Rate Structure Simple rate structure on all daily balances of $100 and above 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
赚取股息的最低余额 $100 $100 $0.01
无需每月维修服务费
Minimum Balance to Open $5 $5
Available Terms 6 months to 5 years
Available Amounts $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

What fees can I expect?

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 Grow Account; however, 它可以在三年不活动后进入休眠状态. Please refer to our Fee Schedule 有关储蓄产品的收费详情.

Can a Grow Account be the member (primary) share account for members under 18?

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

Yes, the Grow Account is intended to take the place of the Member Savings 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Elements Financial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.

Elements哪个赌钱app比较好是否易于使用?

一对闺蜜在沙发上拥抱

Yes! It’s easy to do your banking and budgeting with Elements — no matter where you are. Our goal with Online Banking 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.

透过Elements哪个赌钱app比较好及我们的流动应用程式,您可以:
  • Check your balances, make loan payments, and transfer money between accounts
  • 用手机或电脑相机存支票
  • View check images online
  • 24/7/365在线支付账单
  • Review your account history with a 14-month electronic archive of statements
  • Locate branches and ATMs near you
  • See your SavvyMoney credit score with any checking account or loan
  • 支付朋友和家人方便 Zelle® plus other digital wallet options
  • And more

了解哪个赌钱app比较好更多信息 & Mobile App

为什么我要选择Elements作为我的储蓄帐户?

一个拿着手机和一袋购物用品的女人

Like a Bank, Only Better!

Better Rates. Fewer Fees.

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, higher savings rates, and lower loan rates.

Trusted Advice. Fresh Approach.

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.

Respected Locally. Accessed Globally.

Headquartered in Indianapolis 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 branches nationwide and 78,000+ surcharge-free ATMs globally.

High Tech. Human Touch.

我们的技术使使用Elements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.

Get Started

How do I open an account?

一个四口之家一起做蛋糕

Complete & Send Us These PDF Forms

To open a Grow Account for your child, complete these forms:

将这些表单返回到一个元素中 location or email them to us at customerservice@donhuey.net. If you need help filling out the forms, please call us at 1-800-621-2105.

Online Banking & Mobile App

一旦您的Grow帐户打开,您就可以 enroll in Online Banking. 哪个赌钱app比较好可以让你方便地查询你的余额, deposit checks, 并通过智能手机在账户之间转账, tablet, laptop or desktop. 了解更多关于哪个赌钱app比较好的信息.

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我应该存多少钱才能达到我的目标?

Savings Calculator

Results

  1. 1 Grow Account Annual Percentage Yield (APY) 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. Fees may reduce earnings. 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 Member Savings Annual Percentage Yield (APY) effective as of May 1, 2024, 开户后如有变动,恕不另行通知. 0.10% APY on balances $100.00-$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 and Above. 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. Fees may reduce earnings. 
  3. 3 High Yield Savings Annual Percentage Yield (APY) accurate as of May 1, 2024. High Yield Savings 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 Elements for 90 days prior to opening the High Yield Savings account. Existing Elements members with savings accounts must deposit $25,000.00 or more of new money within 10 days of opening the High Yield Savings account. Existing Elements 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:APY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. An APY of 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 and above. 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. Fees may reduce earnings.
  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. Elements 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.