Savings at United Bank and Trust (Marysville, KS)

Personal Savings

Our personal savings accounts come packed with convenient service, such as Online Banking, Mobile Banking, Account Alerts, eStatements, and each account holder can apply for an ATM card or have the account attached to an existing United Bank & Trust debit card (some restrictions apply with our Youth Savings).

 

Find the right savings account for you

  • Premier Savings

    An account that makes saving automatic...with every swipe of your debit card.

  • Personal Savings

    No bells. No whistles. Just an account perfect for saving.

  • Christmas Club

    Tackle the holidays without the blown-budget blues or plan for year-end expenses.

  • Youth Savings

    Start saving now for their future with this simple savings account.

  • Money Market

    An account that maximizes your earnings with tiered interest rates.

  • Treasury Savings

    A variable rate savings account with a market-based rate. For customers who are looking to maximize earnings on larger account balances.

  • Pay Yourself First Savings

    A time account that allows additional deposits.

  • Long-Term Savings

    For your long-term savings goals.

Savings Overview Image

 Compare our Savings Accounts

Savings Comparison Table

Product 

Premier Savings

Personal Savings

Money Market

Treasury Savings

Premium Interest Rate

 

 

 

Green Check Mark

Competitive Interest Rate

Green Check Mark

Green Check Mark

Green Check Mark

 

Maintenance Fee

 

 Green Check Mark

Green Check Mark 

 

Green Check Mark

eStatements

Green Check Mark*

Green Check Mark

Green Check Mark

Green Check Mark 

Online/Mobile Banking

Green Check Mark

Green Check Mark

Green Check Mark

Green Check Mark 

 

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* eStatements required for Smart Savings.

Premier Savings

An account that makes saving automatic...with every swipe of your debit card.

What will I get?

  • A competitive interest rate
  • No Minimum balance requirements
  • The option to have $1.00 transferred from your United Bank & Trust checking account with every purchase made with your debit card.

How much does it cost?

  • There are no monthly maintenance fees, but eStatements are required. You may make up to 18 withdrawals, in person or by telephone, per calendar quarter. Additional withdrawals are $1.00 each.

See how your savings will stack up. Use our savings calculator!

*You must receive your statements electronically to qualify for a Smart Savings account. United Bank & Trust will transfer $1.00 from your UBT checking account to your Smart Savings account each time you use your United Bank & Trust debit card to make a purchase.

By Federal Regulation, transfers from a savings or money market account to another account, or to third parties, by preauthorized, automatic, internet or telephone transfers or by check are limited to six per month.

Personal Savings

No bells. No whistles. Just an account perfect for saving.

What will I get?

  • A competitive interest rate.

How much will it cost me?

  • There are no account maintenance fees if you maintain a $100.00 quarterly average ledger balance. If not, a $5.00 quarterly maintenance fee will apply.
  • You may make up to 18 withdrawals, in person or by telephone, per calendar quarter. Additional withdrawals are $1.00 each.

See how your savings will stack up. Use our savings calculator!

By Federal Regulation, transfers from a savings or money market account to another account, or to third parties by preauthorized, automatic, internet or telephone transfers or by check are limited to six per month.

Christmas Club

Tackle the holidays without the blown-budget blues or plan for year-end expenses.

What will I get?

  • A competitive interest rate.
  • The convenience of a check sent to you in the first week of November for the entire account balance plus interest.
  • Direct deposit option is available.

What will it cost me?

  • No minimum balance must be maintained and there are no monthly fees, but withdrawals are not allowed prior to the annual distribution.

See how your savings will stack up. Use our savings calculator!

Youth Savings

Start saving now for their future with this simple savings account.

What will I get?

  • A competitive interest rate.
  • Only a $5.00 minimum deposit to open.
  • Account is automatically converted to our Personal Savings account when the child turns 18.

How much will it cost me?

  • There are no maintenance fees or minimum balance requirements with this account.

See how your savings will stack up. Use our savings calculator!

By Federal Regulation, transfers from a savings or money market account to another account, or to third parties, by preauthorized, automatic, internet or telephone transfers or by check are limited to six per month.

See how your savings will stack up

Explore our calculators to see how your savings can grow.

Savings Calculator

 

Money Market

An account that maximizes your earnings with tiered interest rates.

What will I get?

  • A competitive interest rate paid on daily balances based on the following tiers:

    Tier 1

    $0.00-2,499.99

    Tier 2

    $2,500.00-9,999.99

    Tier 3

    $10,000.00-24,999.99

    Tier 4

    $25,000.00-49,999.99

    Tier 5

    $50,000.00-99,999.99

    Tier 6

    $100,000.00 and over

  • Up to six withdrawals per statement cycle at no charge.

What will it cost me?

  • No monthly maintenance fee applies if you maintain a $2,500.00 minimum daily ledger balance. If not, a $10.00 monthly maintenance fee will apply.

  • Make up to six withdrawals by check, or by preauthorized, automatic, internet or telephone withdrawal or transfer per month. Additional withdrawals are charged $10.00 each.

  • Withdrawals and transfers made in person or at an ATM are unlimited.

      

By Federal Regulation, transfers from a savings or money market account to another account, or to third parties, by preauthorized, automatic, internet or telephone transfers or by check are limited to six per month.

Treasury Savings

A variable rate savings account with a market-based rate. For customers who are looking to maximize earnings on larger account balances.

What will I get?

  • A variable high yield interest rate when the account balance is $25,000.00 and over.
  • A competitive interest rate on balances under $25,000.00.

How much will it cost me?

  • There are no account maintenance fees if you maintain a $100.00 quarterly average ledger balance. If not, a $5.00 quarterly maintenance fee will apply.

  • You may make up to 18 withdrawals, in person or by telephone, per calendar quarter. Additional withdrawals are $1.00 each.

By Federal Regulation, transfers from a savings or money market account to another account, or to third parties, by preauthorized, automatic, internet or telephone transfers or by check are limited to six per month.

Pay Yourself First Savings

A time account that allows additional deposits.

  • 12 month term
  • Interest compounds quarterly, credits quarterly
  • Automatic Renewal

For more information regarding our Pay Yourself First Savings, please call or visit any of our branches and speak to a New Accounts Representative.

Long-Term Savings

For long-term savings goals, we offer an assortment of products, including:

  • Certificates of Deposit

    • Minimum deposit of $500.
    • 91-day to 60-month terms.
    • Quarterly interest payments.
    • Ask us about our CD specials.
  • Traditional IRAs

    • Tax-deferred retirement savings.
    • Eligible if under the age of 70-1/2 and has received taxable compensation during the year.
    • 91-day to 60-month term certificates.
    • We accept rollover contributions from other qualified retirement plans and rollovers or transfers from IRAs.
  • Roth IRAs

    • A great estate planning tool, allowing heirs to withdraw funds without owing any taxes.
    • Eligible if customer or spouse has received taxable compensation during the year.
    • There is no maximum age restriction to open a Roth IRA.
    • 91-day to 60-month term certificates.
    • We accept rollover contributions from other qualified Roth retirement plans and rollovers or transfers from Roth IRAs.
  • CDARS

    • Certificate of Deposit Account Registry Service - CDARS' A program that allows the public to spread money around various banks.
    • The purpose of CDARS is to help people who invest in certificate of deposits or CDs to stay below FDIC insurance limits at any given bank.

For more information regarding our long-term savings products, please call or visit any of our branches and speak to a New Accounts Representative.

 

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