USB Savings Accounts

Take the first step on your journey to smarter savings by opening a savings account. Choose one of three easy options and open a savings account online.

Access Savings Account
ACCESS SAVINGS
Reach your goals faster with higher-yield savings and earn tiered interest as your balance increases.
Open now
Essential Savings Account
ESSENTIAL SAVINGS
An easy and smart way to pave the future you want, with a low $25 minimum opening balance.
Open now
Young Savers Account
YOUNG SAVERS ACCOUNT
Have your child get started with a great habit early with a savings account that has no monthly service fee.
Learn More

Open a Certificate of Deposit (CD)

Earn a higher interest rate than traditional savings accounts by opening a CD online or in-branch.

More Ways to Save

INDIVIDUAL RETIREMENT ACCOUNT (IRA)
INDIVIDUAL RETIREMENT ACCOUNT (IRA)
Save for retirement and receive potential tax advantages.
Learn more
MONEY MARKET
MONEY MARKET
Earn the highest possible interest rate on your savings.
HEALTH SAVINGS ACCOUNT
HEALTH SAVINGS ACCOUNT
Put personal savings aside for unexpected, covered, medical expenses.
Learn more
CLUB SAVINGS ACCOUNTS
CLUB SAVINGS ACCOUNTS
Holidays, vacations, and other big ticket items and events.

Learn more about these specialized savings accounts by visiting a branch or calling us at 866.872.1866.

Start personal saving goals for your Kid with Union Savings Bank.

USB Savings Rates

Updated January 20, 2025
    • Annual Percentage Yield (APY)*
    • $0.01 - $9,999.99
    • 0.03%
    • $10,000.00 - $49,999.99
    • 0.03%
    • $50,000.00 - $99,999.99
    • 0.10%
    • $100,000.00 - $249,999.99
    • 0.15%
    • $250,000.00 - $749,999.99
    • 0.40%
    • $750,000.00+
    • 0.75%
    • Interest Rate
    • $0.01 - $9,999.99
    • 0.03%
    • $10,000.00 - $49,999.99
    • 0.03%
    • $50,000.00 - $99,999.99
    • 0.10%
    • $100,000.00 - $249,999.99
    • 0.15%
    • $250,000.00 - $749,999.99
    • 0.40%
    • $750,000.00+
    • 0.75%
    • Frequency Of Rate Change**
    • Variable
    • Interest Compounding
    • Monthly
    • Interest Credited
    • Monthly
    • Minimum Balance To Open Account
    • $300.00
    • Minimum Balance To Earn APY
    • $0.01
Updated January 20, 2025
    • 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
Updated January 20, 2025
    • Annual Percentage Yield*
    • 91 Day
    • 0.10%
    • 6 Month
    • 0.25%
    • 9 Month
    • 0.30%
    • 12 Month
    • 0.35%
    • 18 Month
    • 0.45%
    • 24 Month
    • 0.50%
    • 36 Month
    • 0.50%
    • 48 Month
    • 0.55%
    • 60 Month
    • 0.60%
    • Interest Rate
    • 91 Day
    • 0.10%
    • 6 Month
    • 0.25%
    • 9 Month
    • 0.30%
    • 12 Month
    • 0.35%
    • 18 Month
    • 0.45%
    • 24 Month
    • 0.50%
    • 36 Month
    • 0.50%
    • 48 Month
    • 0.55%
    • 60 Month
    • 0.60%
    • Frequency of Rate Change**
    • 91 Day
    • At Maturity
    • 6 Month
    • At Maturity
    • 9 Month
    • At Maturity
    • 12 Month
    • At Maturity
    • 18 Month
    • At Maturity
    • 24 Month
    • At Maturity
    • 36 Month
    • At Maturity
    • 48 Month
    • At Maturity
    • 60 Month
    • At Maturity
    • Interest Compounding
    • 91 Day
    • Monthly
    • 6 Month
    • Monthly
    • 9 Month
    • Monthly
    • 12 Month
    • Monthly
    • 18 Month
    • Monthly
    • 24 Month
    • Monthly
    • 36 Month
    • Monthly
    • 48 Month
    • Monthly
    • 60 Month
    • Monthly
    • Interest Credited
    • 91 Day
    • Monthly
    • 6 Month
    • Monthly
    • 9 Month
    • Monthly
    • 12 Month
    • Monthly
    • 18 Month
    • Monthly
    • 24 Month
    • Monthly
    • 36 Month
    • Monthly
    • 48 Month
    • Monthly
    • 60 Month
    • Monthly
    • Minimum Opening Deposit Required
    • 91 Day
    • $1,000.00
    • 6 Month
    • $1,000.00
    • 9 Month
    • $1,000.00
    • 12 Month
    • $1,000.00
    • 18 Month
    • $1,000.00
    • 24 Month
    • $1,000.00
    • 36 Month
    • $1,000.00
    • 48 Month
    • $1,000.00
    • 60 Month
    • $1,000.00
    • Minimum Balance to Earn APY
    • 91 Day
    • $0.01
    • 6 Month
    • $0.01
    • 9 Month
    • $0.01
    • 12 Month
    • $0.01
    • 18 Month
    • $0.01
    • 24 Month
    • $0.01
    • 36 Month
    • $0.01
    • 48 Month
    • $0.01
    • 60 Month
    • $0.01
Updated January 20, 2025
    • Annual Percentage Yield*
    • 91 Day
    • 0.10%
    • 6 Month
    • 0.20%
    • 9 Month
    • 0.17%
    • 12 Month
    • 0.25%
    • 18 Month
    • 0.35%
    • 24 Month
    • 0.40%
    • 36 Month
    • 0.45%
    • 48 Month
    • 0.55%
    • 60 Month
    • 0.60%
    • Interest Rate
    • 91 Day
    • 0.10%
    • 6 Month
    • 0.20%
    • 9 Month
    • 0.17%
    • 12 Month
    • 0.25%
    • 18 Month
    • 0.35%
    • 24 Month
    • 0.40%
    • 36 Month
    • 0.45%
    • 48 Month
    • 0.55%
    • 60 Month
    • 0.60%
    • Frequency of Rate Change**
    • 91 Day
    • At Maturity
    • 6 Month
    • At Maturity
    • 9 Month
    • At Maturity
    • 12 Month
    • At Maturity
    • 18 Month
    • At Maturity
    • 24 Month
    • At Maturity
    • 36 Month
    • At Maturity
    • 48 Month
    • At Maturity
    • 60 Month
    • At Maturity
    • Interest Compounding
    • 91 Day
    • Monthly
    • 6 Month
    • Monthly
    • 9 Month
    • Monthly
    • 12 Month
    • Monthly
    • 18 Month
    • Monthly
    • 24 Month
    • Monthly
    • 36 Month
    • Monthly
    • 48 Month
    • Monthly
    • 60 Month
    • Monthly
    • Interest Credited
    • 91 Day
    • Monthly
    • 6 Month
    • Monthly
    • 9 Month
    • Monthly
    • 12 Month
    • Monthly
    • 18 Month
    • Monthly
    • 24 Month
    • Monthly
    • 36 Month
    • Monthly
    • 48 Month
    • Monthly
    • 60 Month
    • Monthly
    • Minimum Opening Deposit Required
    • 91 Day
    • $1,000.00
    • 6 Month
    • $1,000.00
    • 9 Month
    • $1,000.00
    • 12 Month
    • $1,000.00
    • 18 Month
    • $1,000.00
    • 24 Month
    • $1,000.00
    • 36 Month
    • $1,000.00
    • 48 Month
    • $1,000.00
    • 60 Month
    • $1,000.00
    • Minimum Balance to Earn APY
    • 91 Day
    • $0.01
    • 6 Month
    • $0.01
    • 9 Month
    • $0.01
    • 12 Month
    • $0.01
    • 18 Month
    • $0.01
    • 24 Month
    • $0.01
    • 36 Month
    • $0.01
    • 48 Month
    • $0.01
    • 60 Month
    • $0.01
Updated January 20, 2025
    • Annual Percentage Yield*
    • $0.01-$24,999.99
    • 0.03%
    • $25,000.00 - $49,999.99
    • 0.03%
    • $50,000.00 - $99,999.99
    • 0.05%
    • $100,000.00+
    • 0.07%
    • Interest Rate
    • $0.01-$24,999.99
    • 0.03%
    • $25,000.00 - $49,999.99
    • 0.03%
    • $50,000.00 - $99,999.99
    • 0.05%
    • $100,000.00+
    • 0.07%
    • Frequency of Rate Change**
    • $0.01-$24,999.99
    • Variable
    • $25,000.00 - $49,999.99
    • Variable
    • $50,000.00 - $99,999.99
    • Variable
    • $100,000.00+
    • Variable
    • Interest Compounding
    • $0.01-$24,999.99
    • Monthly
    • $25,000.00 - $49,999.99
    • Monthly
    • $50,000.00 - $99,999.99
    • Monthly
    • $100,000.00+
    • Monthly
    • Interest Credited
    • $0.01-$24,999.99
    • Monthly
    • $25,000.00 - $49,999.99
    • Monthly
    • $50,000.00 - $99,999.99
    • Monthly
    • $100,000.00+
    • Monthly
    • Minimum Opening Balance
    • $0.01-$24,999.99
    • $500.00
    • $25,000.00 - $49,999.99
    • $500.00
    • $50,000.00 - $99,999.99
    • $500.00
    • $100,000.00+
    • $500.00
    • Minimum Balance to Earn APY
    • $0.01-$24,999.99
    • $0.01
    • $25,000.00 - $49,999.99
    • $0.01
    • $50,000.00 - $99,999.99
    • $0.01
    • $100,000.00+
    • $0.01
Updated January 20, 2025
    • Annual Percentage Yield*
    • $0.01-$999.99
    • 0.03%
    • $1,000.00 - $4,999.99
    • 0.03%
    • $5,000.00 - $14,999.99
    • 0.03%
    • $15,000.00 - $24,999.99
    • 0.03%
    • $25,000.00+
    • 0.05%
    • Interest Rate
    • $0.01-$999.99
    • 0.03%
    • $1,000.00 - $4,999.99
    • 0.03%
    • $5,000.00 - $14,999.99
    • 0.03%
    • $15,000.00 - $24,999.99
    • 0.03%
    • $25,000.00+
    • 0.05%
    • Frequency of Rate Change**
    • $0.01-$999.99
    • Variable
    • $1,000.00 - $4,999.99
    • Variable
    • $5,000.00 - $14,999.99
    • Variable
    • $15,000.00 - $24,999.99
    • Variable
    • $25,000.00+
    • Variable
    • Interest Compounding
    • $0.01-$999.99
    • Monthly
    • $1,000.00 - $4,999.99
    • Monthly
    • $5,000.00 - $14,999.99
    • Monthly
    • $15,000.00 - $24,999.99
    • Monthly
    • $25,000.00+
    • Monthly
    • Minimum Opening Balance
    • $0.01-$999.99
    • $0.00
    • $1,000.00 - $4,999.99
    • $0.00
    • $5,000.00 - $14,999.99
    • $0.00
    • $15,000.00 - $24,999.99
    • $0.00
    • $25,000.00+
    • $0.00
    • Minimum Balance to Earn APY
    • $0.01 - $999.99
    • $0.01
    • $1,000.00 - $4,999.99
    • $0.01
    • $5,000.00 - $14,999.99
    • $0.01
    • $15,000.00 - $24,999.99
    • $0.01
    • $25,000.00+
    • $0.01
Updated January 20, 2025
    • Annual Percentage Yield*
    • 0.03%
    • Interest Rate
    • 0.03%
    • Amount of Time Interest Rate in Effect
    • Variable
    • Interest Compounded
    • Simple
    • Interest Credited
    • Annually
    • Minimum Opening Deposit Required
    • $5.00
    • Minimum Balance to Earn APY
    • $0.01
Updated January 20, 2025
    • Annual Percentage Yield (APY)*
    • $0.01 - $4,999.99
    • 0.10%
    • $5,000+
    • 0.15%
    • Interest Rate
    • $0.01 - $4,999.99
    • 0.10%
    • $5,000+
    • 0.15%
    • Frequency of Rate Change**
    • Variable
    • Interest Compounding
    • Monthly
    • Interest Credited
    • Monthly
    • Minimum Balance to Open Account
    • $5.00
    • Minimum Balance to Earn APY
    • $0.01
Do I get a free USB savings account when I open a USB checking account?
What type of personal savings accounts does Union Savings Bank offer?
Is there a minimum deposit required to open a Union Savings Bank personal savings account?
How is interest calculated on my savings account?

Meet With a FutureTrack Money Mentor

Union Savings Bank customers get access to FutureTrack – personalized advice and digital tools to help you reach your financial goals, whatever they may be.

Disclaimers

1 There are 3 ways to waive the $5.00 monthly service fee: Maintain a $500 minimum daily balance during the statement cycle; OR primary owner is 18 years of age or younger or 60 years of age or older; OR primary owner of Access Savings is an owner of Access Checking account.

2 There are 3 ways to waive the $3.00 monthly service fee: Maintain a $300 minimum daily balance during the statement cycle; OR primary owner is 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.

eStatements are available. You may choose to receive a combined monthly statement for any account you have with us.

The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc. Credit approval is required.

*** Young Savers accounts are intended for customers under the age of 21 and will be converted to an Essential Savings account when the account holder reaches the age of 21. Young Savers accounts are eligible for a USB Debit Card if titled jointly with a parent/guardian and upon parent/guardian approval. Debit Card fee of $2.00 per transaction will be assessed at non-USB ATMs. Purchases or payments by debit card are not allowed for savings account.

UNION SAVINGS BANK RATE DISCLAIMERS

*Fees may reduce earnings
**Rates may change after the account is opened
†Subject to rules for IRA accounts. Additional prior and current year contributions are allowed for all IRA CDs listed above.

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

Substantial penalty for early withdrawal from CD accounts, please refer to the Consumer Deposit Agreement.

Penalty may affect principal balance.

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