Logins
- Linked to free U-Earn account
- 0.54% APY* on U-Save daily balances up to $10,000 if qualifications are met
- 0.54 - 0.18% APY on daily balances over $10,000 depending on balance in the account and if qualifications are met*
- 0.01% APY* if qualifications are not met on U-Earn
- No monthly service charge
- No minimum balance requirement after account opening
- Free Online Banking
- $10 deposit to open
U-Save
Your U-Save account can be paired with a U-Earn account, so rewards can be automatically transferred over each month. Just meet the qualifications for U-Earn, then sit back and see your savings grow. Of course, you can add your own deposits to it at any time!
Qualifying for U-Earn rewards automatically qualifies you for the best U-Save rate too! Simply meet the following U-Earn requirements each monthly statement cycle:
- Debit Cards: Have at least 10 debit card purchases post and settle to your U Earn account
- Direct Deposit or ACH: Have at least one direct deposit or one automatic payment (ACH) post and settle to your U Earn account
- Electronic Statement: Customers must enroll account(s) in Electronic Statements through Online Banking
And if you miss a statement cycle, don't worry! Both accounts are still free and earn our base interest rate. The next cycle you qualify, you will get right back to enjoying the added benefits.
U-Save
Effective Date: Wednesday, April 1, 2020
| Balance | Interest Rate | APY |
|---|---|---|
| Don't Meet Qualifications | 0.01% | 0.01% |
| $0 - $10,000.00 | 0.54% | 0.54% |
| Over $10,000.00 | 0.14% | 0.54% - 0.18% depending on balance in the account and if qualifications are met |
Rates may change after account opening. $10.00 Minimum balance required to open the account. Fees may reduce earnings. You must be enrolled for and receive monthly eStatement notification to have this account.
*The minimum to open U-Earn account is $50. APY = Annual Percentage Yield. APYs accurate as of 11/1/2019. Rates may change after account is opened. For U-Earn, if qualifications are met each monthly statement cycle: (1) balances up to $10,000 receive APY of 0.64%, and balances over $10,000 earn 0.14% interest rate on portion of balance over $10,000, resulting in (2) 0.64% - 0.19% APY depending on the balance. If qualifications are not met on U-Earn, all balances earn 0.01% APY. Qualifying transactions must post to and settle U-Earn account during monthly statement cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. The advertised U-Earn APY is based on compounding interest. U-Earn checking interest earned will be posted directly to associated U-Save account and does not compound. Actual interest amount paid may be less than advertised U-Earn APY. When monthly qualifications are met during the statement cycle ATM fees incurred on your U-Earn account during that cycle will be refunded up to $25. ATM receipt must be presented for refund of an ATM fee greater than $5.00. If qualifications in U-Earn are met each monthly statement cycle: (1) balances up to $10,000 in U-Save receive an APY of 0.54%; and (2) balances over $10,000 in U-Save earn 0.14% interest rate on portion of balance over $10,000, resulting in 0.54% - 0.18% APY depending on the balance. If qualifications are not met on U-Earn, all balances in U-Save earn 0.01% APY. The minimum to open a U-Save is $10. The U-Save APYs may be less than U-Earn APYs. Transfers between accounts do not count as qualifying transactions. ATM-processed transactions do not count towards qualifying debit card transactions. Fees may reduce earnings.
