Begin the journey to smart savings

¹ There are 3 ways to waive the $5.00 monthly service fee: Maintain a $500 minimum daily balance during the statement cycle; OR primary owner is 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.

² There are 3 ways to waive the $3.00 monthly service fee: Maintain a $300 minimum daily balance during the statement cycle; OR primary owner is 18 years of age or younger or 60 years of age or older; OR primary owner of Essential Savings is an owner of Essential Checking account.

³ eStatements are available. You may choose to receive a combined monthly statement for any account you have with us.

⁴ The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc. Credit approval is required.

⁵ APY = Annual Percentage Yield. As of November 12, 2025, GoalGetter Savings balances between $.01 and $2,000.00 will earn a companion rate of 5.12% APY with GoalGetter Checking account; balances $2000.01 or more will earn 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 Rates subject to change and may be withdrawn at any time.

⁶ Card will be issued to a minor for joint accounts only (accounts titled jointly with an adult parent or guardian).

⁷ Card will be issued to minor in his/her name for joint account only with adult parent or guardian; parent/guardian maintains ownership of card and has sole access to card controls, PIN creation and card activation.

*** Young Savers accounts are intended for customers under the age of 21 and will be converted to an Essential Savings account when the account holder reaches the age of 21.Young Savers accounts are eligible for a USB Debit Card if titled jointly with a parent/guardian and upon parent/guardian approval. Debit Card fee of $2.00 per transaction will be assessed at non-USB ATMs. Purchases or payments by debit card are not allowed for savings account.

**** GoalGetter Savings is intended for customers under the age of 18 and will be converted to an Essential Savings account when the primary account holder reaches the age of 18. Must be a joint account with a parent/guardian.

UNION SAVINGS BANK RATE DISCLAIMERS

*Fees may reduce earnings
**Rates may change after the account is opened
†Subject to rules for IRA accounts. Additional prior and current year contributions are allowed for all IRA CDs listed above.

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

Substantial penalty for early withdrawal from CD accounts, please refer to the Consumer Deposit Agreement.

Penalty may affect principal balance.