United Savings Federal Credit Union is a full service financial institution offering a full line of financial products and services. We offer a variety of savings plans that provide you, our member, with the greatest flexibility. Our savings products are the mainstay of the credit union; each dollar saved represents a "share" in the credit union. You will sometimes hear savings accounts referred to as "share" accounts.

Regular Savings - United Saving's savings account is a traditional savings account designed for members who are looking for a simple way to save. It offers a low minimum balance requirement and convenient access to funds. It requires a small deposit of only a $5 deposit and a one time membership fee.

Each member has a primary share (savings) account. This account activates your membership to the credit union and allows you to begin the savings. You may have special share accounts under your original account number for things such as taxes, vacations, etc.

Certificates of Deposit (CD's) - United Savings offers a variety of CD's to suit your financial needs. Our CD's provide an excellent investment opportunity with an exciting advantage - - the opportunity to lock in a high rate with a guaranteed interest rate. CD maturity dates vary as do minimum balance requirements. Longer terms yield rates of interest. Dividends are paid each month. Six, nine and twelve month terms are available.

Money Market Accounts - Provides flexibility for savers who maintain higher balances. The competitive rate allows for higher interest as well as liquidity of funds. The minimum initial deposit and minimum balance requirement is $500.

IRA's - Savings for retirement is an excellent idea, even if you already have a pension plan. One of the best ways is with an United Savings Federal Credit Union Traditional or Roth IRA. And it's never to early to start to plan your kids future to. . . Regular contributions to United Savings Education IRA can really add up, and help beat the high cost of education! These investment-grade IRAs offer a higher rate of return than the standard IRA -- and, importantly, are insured separately from your other Credit Union accounts. Up to $250,000 by the National Credit Union Administration (NCUA).

Club Accounts

• Christmas accounts are available.
• Dividends paid monthly on the average daily balance.
• Funds can be automatically transferred to savings, checking or withdrawn on your request.
  

Federal Deposit Insurance - Member accounts at United Savings Federal Credit Union are insured up to at least $250,000 and backed by the full faith and credit of the United States Government. As a member, you do not directly pay for this insurance coverage, it is paid by the credit union. Members have peace of mind knowing that their money is safe.

Savings Rates - For purposes of this disclosure, the dividend rate and annual percent yield stated for the term share accounts where offered within the most recent seven calendar days and were accurate as of 05-01-2011. All rates are subject to change without notice. Please call (925) 778-7283 to obtain current rate information.

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