^¹To receive a $105.00 bonus, open a new GoalGetter Checking account (subject to approval) as the primary account holder. Get $105.00 if your ending balance for the month you opened the account (or first statement cycle) is $50.00 or more. The funds may be transferred or converted from another USB deposit account.

Offer is valid from November 12, 2025, through January 31, 2026. Limit one offer per customer. Promotion may be canceled without notice. Bonus amounts will be credited to checking account between December 1, 2025, and February 28, 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.  Visit unionsavings.com for complete details

^²APY = Annual Percentage Yield. As of November 12, 2025, balances between $.01 and $2,000.00 will earn a companion rate of 5.12% APY; balances $2000.01 or more will earn a companion rate of 1.01% APY. The total blended APY will range from 1.01% to 5.12%. Without a GoalGetter Checking account, the account will earn 0.03% APY on all balances. Minimum of $5 to open. The child named on the account must be under 18 years of age. At age 18, the account will convert to Essential Savings Account and earn the APY Union Savings Bank is offering at that time. Limit one account with companion rates per child. Rates subject to change and may be withdrawn at any time.

**APY stands for Annual Percentage Yield. Assumes interest remains on deposit in your account to maturity.  A withdrawal will reduce earnings. Early withdrawals are subject to a penalty fee, please refer to the Consumer Deposit Account Agreement for fee details.

***5 Month Promotional CD renewal term is 6 months; 8 Month Promotional CD renewal term is 9 months; 13 Month Promotional CD renewal term is 12 months; 25 Month Promotional CD renewal term is 24 months; 54 Month Promotional CD renewal term is 48 months. Upon maturity the 7 Month Flex CD will automatically renew into a 7 Month Flex CD at the current rate of interest.

^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.

Visit unionsavings.com for complete details. Member FDIC. Equal Housing Lender.