*To receive up to $150.00 bonus, open a new Essential Checking account (subject to approval) as the primary account holder and deposit $25 or more at account opening; or open a new Core Checking account (subject to approval) as the primary account holder and deposit $10 or more at account opening. Get $50.00 if you make one qualifying direct deposit within 60 days of opening the account; and/or get $50.00 when you open a USB Debit Card and make 10 debit card purchases (signature or PIN) within 60 days of opening the account. ATM transactions do not qualify. Qualifying direct deposits include recurring electronic deposits of payroll, pension or Social Security. Person-to-person, bank transfers or other electronic money transfers, such as those made through internet payment services, do not qualify. Additionally, get $50 when you open an Essential Savings Account as the primary account holder at the same time as the checking account, and maintain a $500 average balance or more for 60 days from the date of account opening. New USB savings customers only.

To receive up to $300.00 bonus, open a new Access Checking account (subject to approval) as the primary account holder and deposit $50 or more at account opening. Get $150.00 if you make one qualifying direct deposit within 60 days of opening the account. Qualifying direct deposits include recurring electronic deposits of payroll, pension or Social Security. Person-to-person, bank transfers or other electronic money transfers, such as those made through internet payment services, do not qualify. Additionally, get $150.00 when you open a companion Access Savings account as the primary account holder at the same time as the checking account and maintain an average balance of $15,000 or more for 60 days from the date of account opening. New USB savings customers only.

Offer is valid from June 16, 2025, through September 13, 2025. Offer not available to existing USB personal checking customers (either primary or secondary on the account), or those customers whose personal checking or savings accounts have been closed within the previous 12 months. Limit one offer per customer. Promotion may be canceled without notice. Bonus amounts will be credited to checking and/or savings account between September 1, 2025, and December 31, 2025, depending on the date you open the account. Account must be open and in good standing to receive bonus. Bonuses are subject to 1099 IRS reporting requirements. Employees of Union Savings Bank are not eligible.

^5.49% annual percentage rate (APR) for the first 6 months. After that the rate is a variable rate. Rates are subject to change without notice. The rate is a variable annual percentage rate (APR) that is an index which is the US Prime Rate as published in the Wall Street Journal and will change along with changes in the index. Maximum rate is 18.00% APR. Requirements to obtain this rate include a middle score of the three scores received from the consumer reporting agencies of 700 or above (note: if there is more than one borrower, the lowest middle score of all borrowers will be considered), maximum CLTV of 80%. There is also an annual fee of $75.00, and a processing fee of $500.00 which is waived with monthly automatic payments from a USB checking account. There are no application, attorney or appraisal fees for loans with a loan amount up to $250,000 and a CLTV less than or equal to 80% or for loans amounts up to $400,000 with a CLTV less than or equal to 70%. Property insurance is required. All loans and lines of credit are subject to credit approval. Not available to existing Union Savings Bank Home Equity Line customers, unless the current USB Home Equity Line is within 24 months of the end of the draw period.