Ma kēia palapala, ua ukuʻo Emigrant i ka 0.5% APY. No ka hoʻohālikeʻana,ʻo ka uku o CapitalOne 360 e pili ana i ka 0.75% APY, aʻo kekahi poʻe e uku ana iʻelua aʻekolu mau manawa e like me ka neʻeʻana.
Hiki ke loli nā kumukūʻai i kēlā me kēia manawa, no laila, maikaʻi e hōʻoia i nā loli i kēia manawa ma kahi pūnaewele o Emigrant Direct.
ʻAno Overview
ʻO ka manaʻo nui ma Emigrant kahi Pūnaewele Hōʻoia Loa Loa. Ināʻoe e mālama nei i kāu mau dālā ma ke kāleka brick-a-mortar , hiki ke loaʻa iāʻoe keʻoni pūnaewele .
Kālepaʻole:ʻO ka Emigrant Directʻaʻole ia e uku i nā uku no ka mālamaʻana i ka mālama kālā no nā mea mālama waiwai, no lailaʻaʻole e loli maikaʻiʻia kāu kumupūʻai inā haʻaleleʻoe i ka helu wale nō i ka manawa.
ʻAʻole ka palena iki: Like me nā pūnaewele pūnaewele,ʻaʻole i loaʻa i kahi waihona mālama kālā nā palena kau palena palena hapa nui a iʻole nā palena puka kau palena.
Hoʻopili-pūnaewele wale nō: Emigrant Direct kuhi pūnaewele wale nō. ʻAʻole hiki iāʻoe ke hele i kahi lālā, akā hiki iāʻoe ke hana i nā mea nui āu e makemake ai ma luna o ka pūnaewele, a loaʻa nā mākaʻi kōkua kōkua ma ke kelepona. Hiki iāʻoe ke leka uila i kāu waihona mua, akā ma hope o kēlā, ponoʻoe e waiho kālā kālā.
E like me ka nui o nā pūnaewele pūnaewele,ʻoi aku ka maikaʻi o kēia pūnaewele no ka kūkuluʻana i nāʻauʻa kālā āu i manaʻoʻole e hoʻohana i ka wā e hiki mai ana. Hiki iāʻoe ke laka i kāu kālā i loko o nā CD no kahiʻoi aʻe o ka hoihoi. ʻOiai ua maʻalahi ka hoʻololiʻana i nā kālā i mua a i waho i kāu pūkeke pūnaewele pili, e hanaʻia kēia hana i kekahi mau lā.
ʻIke ke kōkua?
Ke ho'ālaʻana i kāu kālā: Inā makemakeʻoe i ka hiki ke loaʻa nā kālā me kahi kāleka hoʻopalapula (aiʻole kekahi pūnaewele mālama pūnaewele me kahi kūlana), hiki i ka Emigrant Direct iʻole eʻoi aku ka pono iāʻoe. E nānā i nā poʻe e like me CapitalOne 360 aʻo Ally Bank no nā hiʻohiʻona'ē aʻe.
Nā Moena Moleka: No ka lanakilaʻana i nā naʻau o nā mea e hoʻohana i nāʻenehana, hoʻoholoʻo Emigrant Direct i ka hopena nui:ʻAʻole hiki i nā mea kūʻai hoʻoiho ke waiho i nā leka me kahi polokalamu kelepona . ʻO kēia mau lā, ka nui o nā pūnaewele pūnaewele nui a me nā hale brick-a-mortar-ke hāʻawi aku nei i kēia lawelawe.
ʻO ke Bank
ʻO Emigrant Direct ke mahele pūnaewele o ka Waihona Emigrant, kahi i hoʻokumuʻia ma New York. Hoʻopuka pūʻo Emigrant Bank i nā pūnaewele pūnaewele ma lalo o nā inoa MySavingsDirect.com a me DollarSavingsDirect.com. Ua like like kēlā mau pūnaewele i ka EmigrantDirect.com,ʻoiai heʻano likeʻole nā palapala a me nā loiloi, a he likeʻole ka huina kālā mai ke kāleka i ke kāleka. Inā makemakeʻoe i ka Emigrant, e hōʻoiaʻiʻo e hoʻohālikelike i nā hāʻawi a me nā koi me kēlā mau māhele'ē aʻe. I ka wā i hala, ua hāʻawiʻo Emigrant i nā uku maikaʻi ma kona mau pūnaewele hōʻano hou, e hiki ai i nā huina e hāʻule ma nā mea kahiko.
ʻO ka Emigrantʻo FDIC ka mea iʻikeʻia e like me kēia palapala, no laila, palekana kāu kālā mai nāʻaʻa bank , akā,ʻo ka waihoʻana ma nāʻaʻa i'ōleloʻia ma luna, e hōʻuluʻuluʻia i ka heluʻana i kaʻike FDIC.
I nā hua'ōlelo'ē aʻe, ponoʻoe e mālama i kāu mau kālā i hoʻohuiʻia ma nā moku a pau o nā moku Komohana a me nā mahele ma lalo o ka palena FDIC. E like me kēia kākauʻana, hiki i ka FDIC ke uhi i $ 250,000 ma ka waihona no kēlā me kēia kula.
Pehea e hana ai
Ma Emigrant Direct, ke hana neiʻoe i nā mea āpau pūnaewele, e hoʻomaka me ka weheʻana i kāu moʻokāki . No ka hoʻomakaʻana i ke kaʻina hana, e kipa iā EmigrantDirect.com. Ponoʻoe e hoʻolako i nāʻike pilikino a me nā kiko'ī e pili ana i kāu waihona helu waihona ma kahi brick-mortar bank.
E hoʻomaopopo i kēia mau mea ma mua o ka hoʻomakaʻana:
- ʻO kaʻike e pili ana i kaʻike, me ka inoa piha a me ka helu kuhi puke
- Ka helu mālama ola, helu helu tax, aiʻole like
- ʻO nāʻike e pili ana i kāu pūnaewele brick-a-mortar, e pili ana iā Emigrant (kāu moʻokāki a me ka hoʻokeleʻana i nā helu , aʻo ka inoa kāleka hoʻi)
Hiki iāʻoe ke hana i kāu waihona mua ma ka siaki, akā,ʻaʻole e hōʻoleʻo Emigrant Direct i nā waihona hou ma ka leka.
Ponoʻoe e loule i kāu moʻokāki pūʻali pono'ī i ka'Ake Waikana WaiwaiʻAmelika e hoʻoili i nā kālā. No ka hanaʻana i ka pūkuhi mua, e nānā i kāu pūkike helu no nā waihona "hōʻailona" liʻiliʻiʻelua a hōʻoia i kēlā mau hana me ka Emigrant Direct. Hiki iāʻoe ke hoʻohui i kekahi pūʻulu helu hou, akā ua maʻalahi ke kaʻina hana - ponoʻoe e leka uila me kahi palapala (kahi nui o nā bank eʻae iāʻoe e hoʻohui i nāʻike hou ma o ka pūnaewele ).
Lawelawe mea kūʻai mai
Ma muli o nā hōʻike a me nā loiloi mai nā kumu likeʻole he nui, manaʻoʻia nā mea nāna e mālama i ka waihona kālā i kaʻoihana kūʻai a Emigrant Direct. Inā he pilikia, kōkua ka mea kōkua mai ka mea maoli, aʻo nā hola hoʻolālā e kūpono i kahi o kekahi.
Ka mea hikiʻole iāʻoe ke aloha
ʻOiaiʻo Emigrant Direct ka mea mālama waiwai maikaʻi loa,ʻaʻohe mea e pili ana i ka hoʻokomoʻana i kā lākou huahana a me ka laweʻana mai i nā mea kūʻai hou. Pale haʻahaʻa ka hapa ukupanei ma mua o nāʻea pūnaewele kūleke'ē aʻe. Akā, uaʻoi aku ka maikaʻiʻoi aku o ka MySavingsDirect.com ma mua o ka Emigrant, kahi e hoʻohāpai aiʻoe i pehea ka lōʻihi o ka heleʻana o Emigrant Direct i nā poʻe e pili ana i ke kāpena hou.
ʻO ka pūnaewele o Emigrant Direct e nānā iki ana, aʻikeʻia i nā hiʻona no kahi hoʻolimalima kālā i ka homepage (nā mea waiwai nui a me nā'aupili waiwai). E hoʻomanaʻo, inā hoʻohanaʻoe i kekahi mea'ē aʻe ma waho o nā hua kūʻai bank FDIC-insured, hiki iāʻoe ke lilo ke kālā.
ʻO ka hopena,ʻaʻoleʻo Alfigrant Direct e hāʻawi aku i kahi'auki loaʻa mamao. He mea nui paha kēia e mālama ai i ka pilikia, a he mea paʻakikīʻole e waiho i kāu pūnaewele brick-mortar, akā, me he mea lā e ukuʻia ana nā mea kūʻai e ka mea kūʻai i kahi liʻiliʻiʻoi aʻe ( APY ) no ka emiʻole o ka pilikia ma ka kaʻaoʻao o ke kapa.
Inā loaʻa iāʻoe kahi helu helu nui a hoʻonui i kāu loaʻa he mea nui loa,ʻo ka Emigrant Directʻaʻole pahaʻo ia ka panakū noʻoe. Akā inā loaʻa iāʻoe kahi kālā me ka hoʻokele a ua pihaʻoe i kāu kālā, hikiʻole paha i ka wikiwiki e hoʻololi.