USB Savings Accounts: The best way to pave the future you want.

Take the first step on your journey to smarter savings. Choose from our savings accounts to help you get where you want to be. As your Connecticut savings bank, we’re always here to help, every step of the way.

Access Savings Account
ACCESS SAVINGS
Reach your goals faster with higher-yield savings and earn tiered interest as your balance increases.
Essential Savings Account
ESSENTIAL SAVINGS
An easy and smart way to pave the future you want, with a low $25 minimum opening balance.
Young Savers Account
YOUNG SAVERS ACCOUNT
Have your child get started on a great habit early with a savings account that has no monthly service fee.
Find Out Details
icon hat - Savings

Manage your bank account with ease

With USB Digital Banking Tutor, you can learn how to use our online and mobile banking products so you can better manage your finances wherever you are, anytime you want.

Compare and find the proper savings plan with your acceptable saving rates.

Here are a few specialized ways to save

INDIVIDUAL RETIREMENT ACCOUNT (IRA)
INDIVIDUAL RETIREMENT ACCOUNT (IRA)
Save for retirement and receive potential tax advantages.
Learn more
CERTIFICATE OF DEPOSIT
CERTIFICATE OF DEPOSIT
Earn a higher interest rate than savings accounts.
Learn more
icon 052 - Savings
MONEY MARKET
Earn the highest possible interest rate on your savings.
Learn more
icon 013 - Savings
HEALTH SAVINGS ACCOUNT
Put personal savings aside for unexpected, covered, medical expenses.
Learn More
icon 012 - Savings
CLUB SAVINGS ACCOUNTS
Holidays, vacations, and other big ticket items and events.
Learn More

INDIVIDUAL RETIREMENT ACCOUNT (IRA)

An IRA account is a great way to start saving for retirement or supplement your retirement savings, if you qualify. Traditional IRAs offer tax benefits and Roth IRAs allow tax-free withdrawals in the future. Both allow your contributions to grow tax-free. Find the IRA account that is right for you on our FutureTrack site by clicking here.

CERTIFICATE OF DEPOSIT


Certificates of Deposit (CDs) allow you to earn a higher interest rate than savings accounts when you don’t need every day access to your funds.

MONEY MARKET

Earn the highest possible interest rate on your savings. Enjoy limited check writing.

HEALTH SAVINGS ACCOUNT

If you have a High Deductible Health Plan (HDHP), you are eligible to create a tax advantaged Health Savings Account (HSA). It’s a great way to put personal savings aside for unexpected, covered, medical expenses; savings that grow tax free. Rules and restrictions can get a bit complicated – learn more in our FAQ section.

CLUB SAVINGS ACCOUNTS

Holidays, vacations, and other big ticket items and events. There’s no money stress when you plan ahead. Set aside as little as five dollars a week, earn interest and receive statements to chart your personal savings progress as you inch closer to your goal.

Start personal saving goals for your Kid with Union Savings Bank.

USB Savings Rates

Updated November 19, 2019
    • Annual Percentage Yield (APY)*
    • $0.01-$9,999.99
    • 0.03%
    • $10,000.00 - $24,999.99
    • 0.05%
    • $25,000.00 - $49,999.99
    • 0.05%
    • $50,000.00 - $99,999.99
    • 0.07%
    • $100,000.00 - $249,999.99
    • 0.10%
    • $250,000.00+
    • 0.10%
    • Interest Rate
    • $0.01-$9,999.99
    • 0.03%
    • $10,000.00 - $24,999.99
    • 0.05%
    • $25,000.00 - $49,999.99
    • 0.05%
    • $50,000.00 - $99,999.99
    • 0.07%
    • $100,000.00 - $249,999.99
    • 0.10%
    • $250,000.00+
    • 0.10%
    • 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
Updated November 19, 2019
    • Annual Percentage Yield (APY)*
    • 0.03%
    • Interest Rate
    • 0.03%
    • Frequency of Rate Change**
    • Variable
    • Interest Compounding
    • Monthly
    • Interest Credited
    • Monthly
    • Minimum Balance To Open Account
    • $25
    • Minimum Balance To Earn APY
    • $0.01
Updated November 19, 2019
    • Annual Percentage Yield*
    • 91 Day
    • 0.10%
    • 6 Month
    • 0.15%
    • 9 Month
    • 0.20%
    • 12 Month
    • 0.25%
    • 18 Month
    • 0.40%
    • 18 Month Variable Rate
    • 0.15%
    • 24 Month
    • 0.50%
    • 36 Month
    • 0.80%
    • 48 Month
    • 0.90%
    • 60 Month
    • 1.31%
    • Interest Rate
    • 91 Day
    • 0.10%
    • 6 Month
    • 0.15%
    • 9 Month
    • 0.20%
    • 12 Month
    • 0.25%
    • 18 Month
    • 0.40%
    • 18 Month Variable Rate
    • 0.15%
    • 24 Month
    • 0.50%
    • 36 Month
    • 0.80%
    • 48 Month
    • 0.90%
    • 60 Month
    • 1.30%
    • Frequency of Rate Change**
    • 91 Day
    • At Maturity
    • 6 Month
    • At Maturity
    • 9 Month
    • At Maturity
    • 12 Month
    • At Maturity
    • 18 Month
    • At Maturity
    • 18 Month Variable Rate
    • Variable
    • 24 Month
    • At Maturity
    • 36 Month
    • At Maturity
    • 48 Month
    • At Maturity
    • 60 Month
    • At Maturity
    • Interest Compounding
    • 91 Day
    • Monthly
    • 6 Month
    • Monthly
    • 9 Month
    • Monthly
    • 12 Month
    • Monthly
    • 18 Month
    • Monthly
    • 18 Month Variable Rate
    • Monthly
    • 24 Month
    • Monthly
    • 36 Month
    • Monthly
    • 48 Month
    • Monthly
    • 60 Month
    • Monthly
    • Interest Credited
    • 91 Day
    • Monthly
    • 6 Month
    • Monthly
    • 9 Month
    • Monthly
    • 12 Month
    • Monthly
    • 18 Month
    • Monthly
    • 18 Month Variable Rate
    • Monthly
    • 24 Month
    • Monthly
    • 36 Month
    • Monthly
    • 48 Month
    • Monthly
    • 60 Month
    • Monthly
    • Minimum Opening Deposit Required
    • 91 Day
    • $1,000.00
    • 6 Month
    • $1,000.00
    • 9 Month
    • $1,000.00
    • 12 Month
    • $1,000.00
    • 18 Month
    • $1,000.00
    • 18 Month Variable Rate
    • $1,000.00
    • 24 Month
    • $1,000.00
    • 36 Month
    • $1,000.00
    • 48 Month
    • $1,000.00
    • 60 Month
    • $1,000.00
    • Minimum Balance to Earn APY
    • 91 Day
    • $0.01
    • 6 Month
    • $0.01
    • 9 Month
    • $0.01
    • 12 Month
    • $0.01
    • 18 Month
    • $0.01
    • 18 Month Variable Rate
    • $0.01
    • 24 Month
    • $0.01
    • 36 Month
    • $0.01
    • 48 Month
    • $0.01
    • 60 Month
    • $0.01
Updated November 19, 2019
    • Annual Percentage Yield*
    • 91 Day
    • 0.10%
    • 6 Month
    • 0.15%
    • 9 Month
    • 0.20%
    • 12 Month
    • 0.25%
    • 18 Month
    • 0.40%
    • 18 Month Variable Rate
    • 0.15%
    • 24 Month
    • 1.71%
    • 36 Month
    • 0.95%
    • 48 Month
    • 1.05%
    • 60 Month
    • 2.02%
    • Interest Rate
    • 91 Day
    • 0.10%
    • 6 Month
    • 0.15%
    • 9 Month
    • 0.20%
    • 12 Month
    • 0.25%
    • 18 Month
    • 0.40%
    • 18 Month Variable Rate
    • 0.15%
    • 24 Month
    • 1.70%
    • 36 Month
    • 0.95%
    • 48 Month
    • 1.05%
    • 60 Month
    • 2.00%
    • Frequency of Rate Change**
    • 91 Day
    • At Maturity
    • 6 Month
    • At Maturity
    • 9 Month
    • At Maturity
    • 12 Month
    • At Maturity
    • 18 Month
    • At Maturity
    • 18 Month Variable Rate
    • Variable
    • 24 Month
    • At Maturity
    • 36 Month
    • At Maturity
    • 48 Month
    • At Maturity
    • 60 Month
    • At Maturity
    • Interest Compounding
    • 91 Day
    • Monthly
    • 6 Month
    • Monthly
    • 9 Month
    • Monthly
    • 12 Month
    • Monthly
    • 18 Month
    • Monthly
    • 18 Month Variable Rate
    • Monthly
    • 24 Month
    • Monthly
    • 36 Month
    • Monthly
    • 48 Month
    • Monthly
    • 60 Month
    • Monthly
    • Interest Credited
    • 91 Day
    • Monthly
    • 6 Month
    • Monthly
    • 9 Month
    • Monthly
    • 12 Month
    • Monthly
    • 18 Month
    • Monthly
    • 18 Month Variable Rate
    • Monthly
    • 24 Month
    • Monthly
    • 36 Month
    • Monthly
    • 48 Month
    • Monthly
    • 60 Month
    • Monthly
    • Minimum Opening Deposit Required
    • 91 Day
    • $1,000.00
    • 6 Month
    • $1,000.00
    • 9 Month
    • $1,000.00
    • 12 Month
    • $1,000.00
    • 18 Month
    • $1,000.00
    • 18 Month Variable Rate
    • $1,000.00
    • 24 Month
    • $1,000.00
    • 36 Month
    • $1,000.00
    • 48 Month
    • $1,000.00
    • 60 Month
    • $1,000.00
    • Minimum Balance to Earn APY
    • 91 Day
    • $0.01
    • 6 Month
    • $0.01
    • 9 Month
    • $0.01
    • 12 Month
    • $0.01
    • 18 Month
    • $0.01
    • 18 Month Variable Rate
    • $0.01
    • 24 Month
    • $0.01
    • 36 Month
    • $0.01
    • 48 Month
    • $0.01
    • 60 Month
    • $0.01
Updated November 19, 2019
    • Annual Percentage Yield*
    • $0.01-$24,999.99
    • 0.03%
    • $25,000.00 - $49,999.99
    • 0.05%
    • $50,000.00 - $99,999.99
    • 0.10%
    • $100,000.00+
    • 0.15%
    • Interest Rate
    • $0.01-$24,999.99
    • 0.03%
    • $25,000.00 - $49,999.99
    • 0.05%
    • $50,000.00 - $99,999.99
    • 0.10%
    • $100,000.00+
    • 0.15%
    • Frequency of Rate Change**
    • $0.01-$24,999.99
    • Variable
    • $25,000.00 - $49,999.99
    • Variable
    • $50,000.00 - $99,999.99
    • Variable
    • $100,000.00+
    • Variable
    • Interest Compounding
    • $0.01-$24,999.99
    • Monthly
    • $25,000.00 - $49,999.99
    • Monthly
    • $50,000.00 - $99,999.99
    • Monthly
    • $100,000.00+
    • Monthly
    • Interest Credited
    • $0.01-$24,999.99
    • Monthly
    • $25,000.00 - $49,999.99
    • Monthly
    • $50,000.00 - $99,999.99
    • Monthly
    • $100,000.00+
    • Monthly
    • Minimum Opening Balance
    • $0.01-$24,999.99
    • $500.00
    • $25,000.00 - $49,999.99
    • $500.00
    • $50,000.00 - $99,999.99
    • $500.00
    • $100,000.00+
    • $500.00
    • Minimum Balance to Earn APY
    • $0.01-$24,999.99
    • $0.01
    • $25,000.00 - $49,999.99
    • $0.01
    • $50,000.00 - $99,999.99
    • $0.01
    • $100,000.00+
    • $0.01
Updated November 19, 2019
    • Annual Percentage Yield*
    • $0.01-$999.99
    • 0.05%
    • $1,000.00 - $4,999.99
    • 0.05%
    • $5,000.00 - $14,999.99
    • 0.10%
    • $15,000.00 - $24,999.99
    • 0.15%
    • $25,000.00+
    • 0.20%
    • Interest Rate
    • $0.01-$999.99
    • 0.05%
    • $1,000.00 - $4,999.99
    • 0.05%
    • $5,000.00 - $14,999.99
    • 0.10%
    • $15,000.00 - $24,999.99
    • 0.15%
    • $25,000.00+
    • 0.20%
    • Frequency of Rate Change**
    • $0.01-$999.99
    • Variable
    • $1,000.00 - $4,999.99
    • Variable
    • $5,000.00 - $14,999.99
    • Variable
    • $15,000.00 - $24,999.99
    • Variable
    • $25,000.00+
    • Variable
    • Interest Compounding
    • $0.01-$999.99
    • Monthly
    • $1,000.00 - $4,999.99
    • Monthly
    • $5,000.00 - $14,999.99
    • Monthly
    • $15,000.00 - $24,999.99
    • Monthly
    • $25,000.00+
    • Monthly
    • Minimum Opening Balance
    • $0.01-$999.99
    • $0.00
    • $1,000.00 - $4,999.99
    • $0.00
    • $5,000.00 - $14,999.99
    • $0.00
    • $15,000.00 - $24,999.99
    • $0.00
    • $25,000.00+
    • $0.00
    • Minimum Balance to Earn APY
    • $0.01 - $999.99
    • $0.01
    • $1,000.00 - $4,999.99
    • $0.01
    • $5,000.00 - $14,999.99
    • $0.01
    • $15,000.00 - $24,999.99
    • $0.01
    • $25,000.00+
    • $0.01
Updated November 19, 2019
    • Annual Percentage Yield*
    • 0.03%
    • Interest Rate
    • 0.03%
    • Amount of Time Interest Rate in Effect
    • Variable
    • Interest Compounded
    • Simple
    • Interest Credited
    • Annually
    • Minimum Opening Deposit Required
    • $5.00
    • Minimum Balance to Earn APY
    • $0.01
Updated November 19, 2019
    • Annual Percentage Yield (APY)*
    • $0.01 - $4,999.99
    • 0.10%
    • $5,000+
    • 0.15%
    • Interest Rate
    • $0.01 - $4,999.99
    • 0.10%
    • $5,000+
    • 0.15%
    • Frequency of Rate Change**
    • Variable
    • Interest Compounding
    • Monthly
    • Interest Credited
    • Monthly
    • Minimum Balance to Open Account
    • $5.00
    • Minimum Balance to Earn APY
    • $0.01

Personal Banking FAQs

What are the system requirements for USB Online Banking?

Click to view the system requirements for USB Online Banking

How do I reorder checks?

To reorder checks click here

  • Your browser settings must be set to allow pop-ups for website and mobile to access all of the features.

What is the Send on Date for online check payments using Bill Pay?

The Send on Date is date that you select when scheduling your online check payment using Bill Pay in Online Banking and is displayed within the calendar widget when scheduling a bill payment.  The Send On date is when Union Savings Bank will check to see if the funds are in your account at approximately 9:00 p.m. EST. The funds to cover this payment must be in your account BEFORE 9:00 p.m. EST. If funds are not available at this time, the payment will fail and an email/alert will be sent. If the funds are available, the payment will be sent.

What is the Deliver by Date for online check payments using Bill Pay?

The Deliver by Date is the date you select that you would like your payment to be received by is displayed within the calendar widget when scheduling a bill payment. The process time is approximately 5 business days to arrive to the person/vendor you are paying. These checks are sent as if they were from you and funds will be withdrawn from your account when the payee cashes your check.

Your Future Starts Now

We can help you focus on your life stage financial planning journey, whether you’re just getting started or well on your way. Our FutureTrack website can help you get thinking, but come in and see us – we’ll discuss your goals and help you reach them.

Investing and financial planning services. Simplified under one roof.

Our mortgage, HELOC and consumer loans make your life easier.

down arrow 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.

2 There are 3 ways to waive the $3.00 monthly service fee: Maintain a $300 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 Essential Savings is an owner of Essential Checking account.

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

The creditor and issuer of these Cards is Elan Financial Services. Separate credit application and credit approval required. Applicant must be 21 years or older to apply individually, or 18 years or older and apply as a joint applicant with a parent/guardian.

***  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.

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.

You may make up to six (6) pre-authorized or telephone transfers per statement cycle. If you exceed this limit during any cycle, additional fees will apply. Withdrawals are not allowed on Club Accounts outside of the distribution date.

Annual Percentage Yield: Assumes interest remains on deposit in your account to maturity. A withdrawal will reduce earnings.

Variable Rate Accounts: The interest rate and annual percentage yield may change as often as daily, at our discretion.

Interest Accrual: Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

Balance Computation Method: We use the daily balance computation to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

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

Penalty may affect principal balance.

Simple: Simple interest is paid and interest is not compounded.