Savings

Personal Savings

• Minimum $25 opening deposit
• You must maintain a minimum balance of $10.00 in the account each day to obtain the disclosed annual percentage yield.
• Interest compounded and credited quarterly.
• Interest rate and annual percentage yield may change at bank's discretion.
• Quarterly statement report of all activity
• Bill Pay is available

Christmas Club Savings

• Minimum $25 opening deposit
• You'll receive a check in October, including interest, for the entire account balance – just in time for the holidays
• Make additional deposits in person or online
• Make periodic transfers for a designated amount from one of your other Union State Bank accounts or another financial institution.
• Interest rate and annual percentage yield may change at bank's discretion.

Money Market Account

• $2,500 minimum daily balance requirement
• A maintenance fee will be imposed if the $2,500 daily balance is not maintained
• Interest is compounded and credited monthly
• Interest rate and annual percentage yield may change at bank's discretion
• Monthly detailed statements include images of your checks
• Images of your checks available online
• Unlimited access to your account in person or by mail
• Bill Pay is available

*Annual Percentage Yield effective 11-1-24. We may change the interest rate on your account at any time. Interest compounded monthly. Interest will be credited to your account monthly. To open this account, you must deposit at least $2,500.00. You must maintain a minimum balance of $10.00 in the account each day to obtain the disclosed annual percentage yield. A maintenance fee of $5.00 will be imposed every month if the daily balance in the account falls below $2,500.00 any day of the month. Fees could reduce the earnings on this account. We use the daily balance method to calculate the interest on your account.

TIERED RATE ACCOUNTS:

If your daily balance is $2,499.99 or less, the interest rate paid on the entire balance in your account will be .20% with an annual percentage yield of .20%.

If your daily balance is more than $2,499.99, but less than $10,000.00 the interest rate paid on the entire balance in your account will be 1.15% with an annual percentage yield of 1.16%.
If your daily balance is more than $9,999.99, but less than $25,000.00 the interest rate paid on the entire balance in your account will be 1.25% with an annual percentage yield of 1.26%.
If your daily balance is more than $24,999.99, but less than $50,000.00 the interest rate paid on the entire balance in your account will be 1.45% with an annual percentage yield of 1.46%.
If your daily balance is more than $49,999.99, but less than $100,000.00 the interest rate paid on the entire balance in your account will be 1.60% with an annual percentage yield of 1.61%.
If your daily balance is more than $99,999.99, but less than $250,000.00 the interest rate paid on the entire balance in your account will be 2.15% with an annual percentage yield of 2.17%.
If your daily balance is $250,000.00 or more, the interest rate paid on the entire balance in your account will be 2.25% with an annual percentage yield of 2.27%.

Junior Savings

Offered for children through age 18. In the year the child reaches 18, this account will be converted to a Statement Savings.

• Minimum $10.00 opening deposit
• The bank will deposit a one-time premium of $5.00 at the time of account opening.
• You must maintain a minimum balance of $10.00 in the account each day to obtain the disclosed annual percentage yield.
• Interest compounded and credited quarterly.
• Interest rate and annual percentage yield may change at bank's discretion.
• Savers receive a quarterly account statement