Access Savings. High-yield savings to grow your future

Reach your goals faster and earn tiered interest as your balance grows with our high-yield savings account.

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Access Savings Account Features

  • Earn tiered interest as your balance increases
  • No $5 monthly service fee when you maintain a minimum daily balance or have an Access Checking account1
  • Low $300 minimum opening balance
  • Can be used as overdraft protection for your checking account
  • USB Debit Card for ATM deposits and withdrawals
  • Real-time fraud monitoring and alerts for your USB Debit Card
  • USB Online Banking
  • Mobile check deposit with the USB Mobile App
  • No charge to use USB ATMs with your USB Debit Card
  • Free paperless eStatements
  • Free automatic transfers from your USB checking account
  • Always excellent customer service

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USB Savings Rates

Access Savings
Updated November 4, 2025
    • 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

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 account holders who are 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.

UNION SAVINGS BANK RATE DISCLAIMERS

*Fees may reduce earnings

**Rates may change after the account is opened

Read all disclosures that apply to your account, including the Consumer Deposit Agreement and Schedule of Interest and Deposit Account Charges.

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