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Savings
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| As with all of our deposit products, our savings products also take full advantage of the cost saving, convenient features of Internet Banking. The following products have been priced accordingly. |
| UBM Direct Savings, pays our most competitive rate with the convenience of accessing your account completely online. It requires a $1,000 minimum balance to avoid fees and earn interest. |
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| SMART Savings, which means School Money At Right Time, is designed specifically for young adults who are 18 years of age or younger. The interest rate is variable at two and a half (2.5) percentage points below the Prime Rate, as published in the Wall Street Journal. |
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| Regular Savings requires no minimum balance, yet offers a modest rate of interest. It is available to any individual, business, farming operation, non-profit or public service organization. |
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| Christmas Club Savings is designed to help save for the holidays and therefore is available to individuals only. It requires no minimum balance and pays a rate somewhat higher than Regular Savings. |
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| Money Market Savings pays a relatively higher rate of interest as long as the balance remains above $2,500 for the month. It is available to any individual, business, farming operation and non-profit or public service organization. |
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| Ultima Savings offers interest rates that are competitive with any on the national market. It is available to any individual, business, farming operation and non-profit or public service organization. |
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