Personal Savings Accounts

Your goals deserve more than a place to park your money—they deserve a plan. Our savings, money market, and certificate of deposit accounts are designed to help you build, grow, and protect your financial future with competitive interest and convenient access.

Why save with University Bank?

Competitive interest: Put your money to work with interest-earning accounts.
Flexible options: From simple savings to higher-yield money market accounts.
Digital access: Track your progress anytime with online and mobile banking.
Clear terms: Straightforward minimums and fees, so you always know where you stand.

University Checking

A simple checking account
  • Debit Card
  • Online Banking & Mobile App
  • E-Statements
  • Bill Pay & External Transfers
  • Opening Minimum Balance: $100
  • Monthly Service Fee: $0
Open Account Online

University Checking PLUS

Interest earning checking account

  • Debit Card
  • Online Banking & Mobile App
  • E-Statements
  • Bill Pay & External Transfers
  • Bill Pay & Interest Earning
  • Opening Minimum Balance: $500
  • Monthly Service Fee: $6 (No Monthly Fee if you: Maintain a minimum monthly balance of $500.)
Open Account Online

University Savings

A simple, interest earning savings account

  • ATM Card
  • Online Banking & Mobile App
  • E-Statements
  • Bill Pay & External Transfers
  • Opening Minimum Balance: $25
  • Monthly Service Fee: $0
Open Account Online

University Money Market

Competitive interest rates, easy access to your funds

  • Debit Card
  • Online Banking & Mobile App
  • E-Statements
  • Bill Pay & External Transfers
  • Bill Pay & Interest Earning
  • Opening Minimum Balance: $2500
  • Monthly Service Fee: $6 (No Monthly Fee if you: Maintain a minimum monthly balance of $2500.)
Open Account Online

University Certificate of Deposit

Guaranteed returns, fixed interest rate

  • Online Banking & Mobile App
  • E-Statements
  • Bill Pay & Interest Earning
  • Opening Minimum Balance: $2500
  • Monthly Service Fee: $0
Learn More

University Savings

A simple, interest-earning savings account to help you start—and stick with—your savings goals.

Perfect if you want: A straightforward way to build an emergency fund or save for future plans.
• Interest earning: Grow your savings over time.
• ATM card: Convenient access to your funds when you need them.
• Online & mobile banking: Monitor balances, set up transfers, and track your progress 24/7.
• E-statements: Secure, paperless access to your account information.
• Bill pay & external transfers: Move money between accounts and institutions with ease.
• Opening minimum balance: $25
• Monthly service fee: $0

Open your University Savings account online and start building your financial cushion.

University Money Market (MMA)

Earn competitive interest rates while keeping your money accessible.

Perfect if you want: Higher interest potential with the flexibility to access your funds.
• Competitive interest rates: Designed for savers who maintain higher balances.
• Debit card: Convenient access to your money for qualified transactions.
• Online & mobile banking: View balances, transfer funds, and monitor activity anytime.
• E-statements: Keep your records organized and secure.
• Bill pay & external transfers: Manage payments and move money with confidence.
• Opening minimum balance: $2,500
• Monthly service fee*: $6
*No monthly fee when you maintain a minimum monthly balance of $2,500.

Open a University Money Market account online and put your higher balances to work.

Certificate of Deposit (CD)

Lock in a fixed rate and enjoy guaranteed returns.

Perfect if you want: Predictable growth over a set period of time.
• Guaranteed returns: Know exactly how much you’ll earn over the term.
• Fixed interest rate: Protect your savings from market fluctuations.
• Online & mobile banking: View your CD details alongside your other accounts.
• E-statements: Access your information securely and conveniently.
• Opening minimum balance: $1,000
• Monthly service fee: $0

Learn more about our CD terms and current rates to find the right fit for your timeline.

Digital tools that support your savings

No matter which savings product you choose, you’ll have access to:

• Online & mobile banking: Check balances, transfer funds, and monitor progress from anywhere.

• Credit Sense: Access your credit score, report, alerts, and educational resources through our digital banking platform.

• Real-time notifications: Stay informed with alerts about account activity and important updates.

• Enhanced security: Advanced protections to help safeguard your financial information.

CreditSense Screenshots

START BUILDING YOUR FINANCIAL FUTURE

Whether you’re just beginning to save or looking to maximize higher balances, we have an account that fits your goals.

• Open an account online: Get started in just a few steps.

• Choose your path: Savings, money market, or CD—each designed to support different stages of your financial journey.

• Watch your money grow: Combine competitive interest with powerful digital tools and local support.