Personal Banking - Savings Accounts

Our savings accounts help you meet short and long-term financial goals. We also offer special accounts for special purposes, including accounts specifically designed to meet the needs of seniors and minors.

Features Limitations Account Fees
Personal Statement Savings

Provides a monthly statement of account activity

Direct deposit capability

Free ATM card available

Begins earning interest with a balance of $150

Free on-line banking

eStatements Available

Free usage of United Bank ATMs

Must deposit $100 to open this account

ATM Point-of-sale transactions are not allowed

Six(6) pre-authorized transfer per month, which includes telephone/automatic transfers

Must maintain a minimum daily balance of $250 to avoid a monthly service charge of $7

Interest rate is determined by Bank

Interest rate and annual percentage yield may change

Interest begins accruing on the business day of deposit

Interest is compounded daily and credited monthly

United Blue Statement Savings

Provides a monthly statement of account activity

Direct deposit capability
ATM card available

Begin earning interest with a balance of $500

Free on-line banking

eStatements Available

Free usage of United Bank ATMs

Must deposit $500 to earn interest

Six(6) pre-authorized transfer per month, which includes telephone/
automatic transfers

Must maintain a balance of $500 to avoid a monthly service charge of $7

Interest Rate and annual percentage yield may change

Interest begins accruing on the business day of deposit

Interest is compounded daily and credited monthly

Youth Savings

Designed for young savers up to age 18

No minimum balance

Must deposit $5 to open this account

No withdrawals until age 18

No monthly service charge
Interest rate is determined by Bank

Interest rate and annual percentage yield may change

Interest begins accruing on the business day of deposit

Interest is compounded daily and credited monthly

United Blue Clubs

Save for vacation, holiday or finance education

Must deposit $10 to open this account

May not withdraw from account before maturity

Must maintain minimum balance of $10 to obtain the disclosed annual percentage yield

There is no monthly fee on this account

Interest rate is determined by Bank

Interest rate and annual percentage yield may change

Interest begins accruing on the business day of deposit

Interest is compounded daily and credited monthly

United Blue Certificates of Deposit

Maturities range from one month to five years

Jumbo CDs are available for investments if $100,000 or more

Must deposit $500 to open this account

May not make additional deposits into this account

Withdrawals made before the maturity date will be subject to penalty

A withdrawal will reduce earnings at maturity

A 10 day grace period is provided after the maturity date to withdraw without penalty

Maturity day will be stated on the certificate

Account may be obtained with or without an automatic renewal

The interest rate and annual percentage yield will not changed for the term of the account

The interest rate will be in effect for the term of the certificate

Interest begins to accrue on the business day of deposit

Interest will be compounded daily and will be credited at maturity

Jumbo Certificates: A simple interest rate will be applied with a single maturity.

Burial Reserve Savings

Enables you to begin saving for yourself or a loved one's final expense

Must deposit $10 to open this account

No pre-authorized withdrawals or transfers allowed

ATM services are not available on this account

Interest rate is determined by Bank

Interest rate and annual percentage yield may change

Interest begins accruing on the business day of deposit

Interest is compounded daily and credited monthly

United Blue Secured VISA Savings

Account used as collateral for Secured VISA card

Begin earning interest with a balance of $750

Must deposit $300 to open this account

May not deposit more than $5000 to this account

Deposits are permitted only to increase credit limits

No monthly service charge

Interest rate is determined by Bank

Interest rate and annual percentage yield may change

Interest begins accruing on the business day of deposit

Interest is compounded daily and credited monthly