Learn more about these specialized savings accounts by visiting a branch or calling us at 866.872.1866.
Begin the journey to smart savings
Whether you’re getting ready to save for a special purchase or looking to strengthen your long-term plan, a brighter future starts with the right personal savings account.
- ACCESS SAVINGS
- ESSENTIAL SAVINGS
- YOUNG SAVERS***
Not sure where to begin?
Compare Savings Accounts
- ACCESS SAVINGS
- ESSENTIAL SAVINGS
- YOUNG SAVERS***
- Minimum Opening Balance
- $300
- $25
- $5
- Monthly Service Fees
- $51
- $32
- None
- Interest Compounded
- Monthly
- Monthly
- Monthly
- Tiered Interest
- USB Contactless Debit Card
- Statements
- Quarterly3
- Quarterly3
- Quarterly3
- ATM Access
- Direct Deposit
- USB Mobile
- Online Banking
- USB Visa Credit Card
- 4
- 4
- eStatements
USB Savings Rates
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
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.
3 eStatements are available. You may choose to receive a combined monthly statement for any account you have with us.
4 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.