Where patience pays off big time

Becoming a member at United Financial Credit Union is as simple as opening a savings account with us. From there, you can access all of the amazing benefits and financial education we have to offer!

The future always looks bright when you’re prepared.

No one can predict where your future will go, or how your needs will change. Saving ahead gives you the flexibility to be ready for whatever comes next.

Going Green Pays Off!

Opt for digital E-statements and a debit card over paper checks–and unlock better rates with Money Maker PLUS!

Budgets? Organized.

Stay in control of your finances with our suite of digital banking tools, including online banking, mobile apps, and bill pay services.

Safe & Secure

Your money is safe and sound with us, and insured up to $250,000 by the NCUA.

Which United Financial Savings Account is right for you? Let’s compare.

Savings Plus Account

Special Savings

Money Maker

Money Maker PLUS

Christmas and Vacation Club Accounts

Savings Plus

A basic savings account that unlocks United Financial membership.

Special Savings 

An easy way to set aside money for a special occasion.

Christmas/Vacation Club

Set aside money for a special holiday or trip!

Minimum Opening Balance

$25

$0

$0

Minimum Balance Required

$0

$0

$0

APY** Variable

0.05%

0.05%

0.05%

Money Maker Savings Account

Separate funds out for any reason, and earn higher interest rates based on your balance.

Average Daily Balance APY**Variable

$100 – $2,499

0.80%

$2,500 – $24,999

0.90%

$25,000 – $49,999

1.00%

$50,000 – $99,999

1.10%

$100,000 and up

1.20%

Money Maker PLUS

E-statements and debit card is required to earn special rates.

Average Daily Balance APY**Variable

$1,000 – $49,999

1.10%

$50,000 – $99,999

2.10%

$100,000 – $499,999

3.00%

$500,000 and up

3.15%

Rates effective as of November 15, 2023. Fees could reduce earnings

Open a Health Savings Account with United Financial!

A health savings account (HSA) is a tax-advantaged medical savings account available to taxpayers in the United States who are enrolled in a high-deductible health plan (HDHP). The funds contributed to an account are not subject to federal income tax at the time of deposit. An HSA not only helps you get a handle on rising health care costs, but also provides a tax-advantaged way to save.

You are able to easily access your HSA with a MasterCard Debit Card. Use it to pay for any of your eligible expenses.

Health Savings Account

Separate funds out for any reason, and earn higher interest rates based on your balance.

Average Daily Balance APY**Variable

$100 – $1,999

0.10%

$2,000 – $9,999

0.25%

$10,000 – $49,999

0.50%

$50,000 – $99,999

0.75%

$100,000 and up

1.00%

Still have questions about HSA accounts? Download our FAQs PDF now.

Saving for retirement?

No matter what stage you’re at in life, investing funds into a more secure future is always wise. Both CDs and IRAs can better prepare you for your future. Whether you are just beginning your career, planning for your family, or approaching retirement, it’s never too late to start saving with an IRA or CD investment.

Life is better when you’re a member.