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The coolest rewards checking account in Idaho has a sidekick that helps you save. With U-Save, the interest you earn each month on U-Earn are are posted to U-SAVE for pain-free, seamless savings!


All you have to do is meet the easy monthly qualification requirements for U-Earn. Then, sit back and watch your savings account grow by leaps and bounds!

Summary
  • 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

View our current rates.

Qualifications


Qualifying for U-Earn rewards automatically qualifies you for the best U-Save rate too! Just do the following each monthly statement cycle on your U-Earn:

  • Have at least 10 debit card purchases post and settle
  • Have at least one direct deposit or one automatic payment (ACH) post and settle

And if you miss a statement cycle, don't worry! Both accounts are still free and earn our base interest rate, and you can get back to earning rewards the very next month you qualify.


*The minimum to open U-Earn account is $50. You must be enrolled for and receive monthly eStatement notification to have this account. APY=Annual Percentage Yield. APYs accurate as of 10/22/2015. 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 any two of the three following conditions are met (1 ACH payment or 1 ACH Deposit or 10 debit card purchases post and settle your account during the statement cycle), ATM fees incurred on your U-Earn 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.


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