Essential Savings. Smart savings with the future in mind

An easy and smart way to pave the way to the future you want, with a low $25 minimum opening balance.

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Essential Savings Account Features

  • Earn interest
  • No $3 monthly service fee when you maintain a minimum daily balance or have an Essential or Core Checking account1
  • Low $25 minimum opening balance
  • Can be used as overdraft protection for your checking account
  • USB Debit Card for ATM deposits and withdrawals
  • Real-time fraud monitoring and alerts for your USB Debit Card
  • USB Online Banking
  • Mobile check deposit with the USB Mobile App
  • No charge to use USB ATMs with your USB Debit Card
  • Free paperless eStatements
  • Free automatic transfers from your USB checking account
  • Always excellent customer service

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USB Rates

Essential Savings
Updated December 21, 2024
    • Annual Percentage Yield (APY)*
    • 0.03%
    • Interest Rate
    • 0.03%
    • Frequency of Rate Change**
    • Variable
    • Interest Compounding
    • Monthly
    • Interest Credited
    • Monthly
    • Minimum Balance To Open Account
    • $25
    • Minimum Balance To Earn APY
    • $0.01

Disclaimers

¹ There are 3 ways to waive the $3.00 monthly service fee: Maintain a $300 minimum daily balance during the statement cycle; OR account holders who are 18 years of age or younger or 60 years of age or older; OR primary owner of Essential Savings is an owner of Essential Checking account.

UNION SAVINGS BANK RATE DISCLAIMERS

*Fees may reduce earnings

**Rates may change after the account is opened

Read all disclosures that apply to your account, including the Consumer Deposit Agreement and Schedule of Interest and Deposit Account Charges.

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