Let’s find the savings plan that fits you
You know you want to save, but finding the right account can be a challenge. Let’s start by looking at what matters to you, then compare the account options below. Consider how long you have to invest, how accessible you want your funds, and how sensitive you are to risk. Please make a note of the minimum opening deposit to open a new account online. Larger deposits will increase the processing time to open your account. You can always move money once your new account is open with our UBTgo tools!
If you’d like help navigating the options, just call us, open an online chat, or stop by your nearest branch.
| Certificates of Deposit | Union Savings | MyStyle Savings | Union Money Fund | Value Edge Money Market | |
|---|---|---|---|---|---|
| Apply Now | Apply Now | Apply Now | Apply Now | Apply Now | |
| The Basics | Guaranteed return on your investment with the flexibility to select your own term. | Basic savings with the flexibility to easily deposit and withdraw money. | For 25 year-olds and under, savings with your choice of features that let you be you. | A savings account with the opportunity to earn higher interest and will allow checks to be written. | For those who want to earn higher interest on balances over $10,000 and want to use checks and an ATM card. |
| Age Requirements |
None | None | 25 and Under | None | None |
| Minimum Opening Deposit |
$1,000 on most CDs |
$25 | $25 | $50 | $10,000 |
| Monthly Fee |
No | $3; waived for primary account owner under age 18, and waived with a $100 average available balance. | $3; waived for primary account owner under age 18, and waived with a $100 average available balance. | $5; waived with a $1,000 average available balance. | No |
| Interest Paid |
Yes; interest rate varies. A higher interest rate may be paid on balances of $25,000 and more. | Yes; interest rate varies | Yes; interest rate varies | Yes; Interest is paid on balances of $2,500 and more. Interest rates are tiered by balance. | Yes; Interest is paid on all balances. Interest rates are tiered by balance. |
| ATM Usage |
No | Free at all Union Bank ATMs, plus two non-Union Bank ATMs each statement cycle.* | Free at all Union Bank ATMs, plus two non-Union Bank ATMs each statement cycle.* | Free at all Union Bank ATMs, plus up to 2 non-Union Bank ATMs each statement cycle.* | Free at all Union Bank ATMs, plus two non- Union Bank ATMs each statement cycle.* |
| e-Statements Required? |
No | No | No | No | No |
| e-Statements Available? |
No | Yes | Yes | Yes | Yes |
| Online Statement History | Yes | Yes | Yes | Yes | Yes |
| Withdrawals Allowed |
Early withdrawals may be assessed a penalty. |
Six free per calendar month or statement cycle. $5 for each additional withdrawal. | Six free per calendar month or statement cycle. $5 for each additional withdrawal. | Six free per statement cycle and checks. | A total of six free checks or withdrawals per statement cycle; $25 for each additional. |
| These products have transfer and withdrawal limitations. See account disclosures for additional information. | |||||
| 24-Hour Account Access** |
Sign up for free: Online Banking, Mobile Banking, Mobile Deposit, BillPay, e-Statements, e-Alerts, PopMoney, TeleBank | ||||
| Relationship Advantage |
Maintain $10,000 in total deposits with Union Bank to automatically waive all fees on one personal checking account, plus unlimited use of all non-Union Bank ATMs.* | ||||