What is the difference between a Share 证书, a Flex 率 证书, and a savings account?
There are two main differences: a 证书 can earn higher dividends, but you must wait a specified amount of time to get the money back out. 请参阅下面的其他差异:
弹性利率证明书(可变利率)
- Possibly get higher rates than savings accounts when you select longer terms
- 选择12个月或24个月的期限
- No fees when you hold your account to maturity, but there can be penalties for early withdrawal
- No access to your deposit through checks, ATM transactions, or electronic transfers
- 费率将根据Prime调整
股票(固定利率)
- 利率在存续期内不变
- 用固定的利率准确估计你的收入
- Possibly get higher rates than savings accounts when you select longer terms
- 期限从6个月到5年不等
- No fees when you hold your account to maturity, but there can be penalties for early withdrawal
- No access to your deposit through checks, ATM transactions, or electronic transfers
储蓄账户
- 在您持有账户期间,利率可以调整
- Typically lower rates than 证书s, but your funds are liquid and easily accessible
- 的元素 氦储蓄账户 利率是否高达1.00%的年2 余额大于2500美元
- Access to your deposits through ATMs and compatible with electronic transfers