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United Bank of Union

Savings Accounts

Start Saving for What Matters Most


 
No matter what you're saving for, United Bank of Union has an account to help you reach your goals. From your child's first savings account to building your own financial cushion, our options make it simple to get started and stay on track. Explore our savings accounts below to find the one that's right for you.
 
 
 
 
 























personal savings*
A simple way to start saving and build good financial habits.
  • Earn interest on every balance
  • $25 minimum deposit to open
  • Easily transfer funds through Digital Banking
companion savings (variable rate)**
A higher APY savings option available only when paired in an authorized Certificate of Deposit (CD).
  • After CD opening, you are eligible to make a one-time deposit up to the amount of the CD 
  • A minimum balance of $1,000 is required to obtain the advertised APY
  • No additional deposits can be made into the account unless a new CD is opened at the time of the deposit 
ultimate savings***
For customers who want more from their money.
  • Higher balances earn higher interest
  • Tiered rates to reward saving more
  • Ideal for building long-term funds
dragon savers club^
A savings account and kids club designed to teach kids the fun of saving.
  • For ages 12 and under
  • Designed to teach kids how to save
  • Dragon Savers are invited to an annual party, can earn treasure rewards, receive a birthday shout-out, and more!
christmas/vacation club^^
Save a little all year long for a big reward later.
  • Set one-time or recurring transfers into your club account throughout the year
  • Receive payouts just in time for holiday shopping or summer vacation















 
 

 
 
 

 
 




 
 
Compare All Savings Accounts
  Personal Savings* Companion Savings** Ultimate Savings*** Dragon Savers^ Christmas/Vacation^^
Age -- -- -- 0-12 --
Interest ✓ ✓ ✓ ✓ ✓
ATM Card ✓ ✓ ✓ -- --
Special Features -- Higher interest rate Higher interest rate
Club membership includes: 
  • Annual Kids Party
  • Birthday Shout Out
  • Treasure Rewards for Saving
 --
Ideal For Building your everyday savings Pairing with CDs Higher balances Kids learning to save Holiday or trip goals
Online Account Opening Available -- -- -- --
 
 

Save more. Start today!

Find the nearest UBU branch location to open an account. Call us at 636-583-2555 to schedule an appointment.
 
Open your account online
 

Questions?

Contact us today at 636-583-2555 or click the Let's talk! chat bubble in the lower right corner to communicate with a UBU Customer Contact Specialist.
 
 
Personal Savings*
United Bank of Union’s standard Personal Savings Account earns interest on a monthly basis and active accounts are service charge free! A minimum of $25 is required for an opening deposit and no minimum balance is required to obtain the advertised Annual Percentage Yield (APY). See the Savings Fee Schedule for details on inactive and dormant accounts and the applicable fees associate with them. Account holders receive monthly statements.
 
Companion Savings Account**
Open any authorized Certificate of Deposit (CD) product and you are eligible to make a one-time deposit up to the amount of the CD into the Companion Savings Account that will earn you a higher APY than other Savings Account options. A minimum balance of $1,000 is required to open and obtain the advertised APY. This interest rate reverts to the Personal Savings rate if the balance falls below the daily minimum balance of $1,000. No additional deposits can be made into the account unless a new CD is opened at the time of the deposit. The amount of the additional deposit must be equal to or lesser than the amount of the accompanying CD opened. All other CD and Statement Savings Account rules apply. Fees may reduce earnings.
 
Ultimate Savings***
United Bank of Union’s Ultimate Savings Account gives customers opportunities to earn a higher APY. This account requires a minimum of $50,000 to open the account and to obtain the advertised APY. One withdrawal is allowed per monthly statement cycle. All subsequent withdrawals during the statement cycle are subject to a service charge. See the Savings Fee Schedule for details. This interest rate reverts to the Personal Savings rate if the balance falls below the daily minimum balance of $50,000.
 
Dragon Savers Club^
Visit our Dragon Savers Club page for more information. 
 
Christmas/Vacation Club^^
Visit our Christmas/Vacation Club page for more information.