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Start Building Your Emergency Fund
An emergency fund is a safety net for your money, there to help you out when life makes an unexpected turn. If someone in your family gets sick, or if there are sudden changes in jobs, this money is there to give you peace of mind. Instead of worrying about how to pay for unexpected bills, your emergency fund can cover those costs. It's like having a superhero for your money, ready to step in and save the day when you need it the most. It's all about being prepared and making sure you can keep doing the things you love, even when life takes unexpected turns.
Most experts agree you need three to six months’ worth of critical living expenses: housing, food and groceries, childcare, gas and insurance. According to Bankrate, more than one in three Americans needed to tap into their emergency savings in the past year. That’s why we’re making it easy for you to build your emergency fund and then help it grow.
Right now, United Bank is offering 5.00% APY* on a special tiered savings account to help you save.
United Bank wants to help.
Our goal is for everyone to have $5,000 in savings. It sounds crazy, but that's why we are paying a higher interest rate on lower balances. As your balance grows beyond $5,000, you will still earn 5.00% APY on the first $5,000 in your account.
We’re offering you this rate because we want you to grow your savings and be prepared for the unexpected turns in life. You can grow your fund even faster when you set up an automatic transfer from checking to savings each month or even more frequently. You can build your emergency fund and United Bank can help.
At United Bank, we care about our customers and their financial well-being. We want to help make it easier for you to save the money you need for unexpected expenses… and some peace of mind. Everyone can save a little money at a time to build your emergency fund. You just need a plan.
Let’s create a plan to build your savings.
Building your Emergency Fund takes time, but you can start now. With earnings of 5.00% APY*, your money will grow on top of what you save and, before you know it, you’ll have the confidence you need to face life’s unexpected expenses.
Earn 5.00% APY* on a FDIC-Insured account, grow your savings today and have peace of mind tomorrow.
*APY = Annual Percentage Yield
Rate Information: This Account is an interest bearing account. If the daily balance is less than $5,000.01, the interest rate paid on that portion of the balance will be 4.91%. The annual percentage yield for this tier will be 5.00%. If the daily balance is more that $5,000.00, but less than $10,000.01, the interest rate paid on that portion of the balance will be 0.75%. The annual percentage yield for this tier will range from 5.00% to 2.88%. If the daily balance is more than $10,000.00, the interest rate paid on that portion of the balance will be 0.05%. The APY for this tier will range from 2.88% to 0.05%. APY effective as of 9/30/25.
Interest rate may change after account is opened. Annual percentage yield subject to change. At our discretion, we may change the interest rate on the account as often as daily. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly. If the account is closed before interest is credited, you will not receive the accrued interest.
Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. We will use an interest accrual basis of 365 (or 366 in leap year) for each day in the year.
Limitations: You must deposit $50.00 to open this account. There is no limitation for withdrawals or transfers, but a fee of $5.00 per withdrawal is assessed, in excess of 2 per month.
Account Fees: A $50.00 minimum daily balance is required to avoid a monthly service charge of $5.00. Fees could reduce earnings on the account.
Interest rate may change after account is opened. Annual percentage yield subject to change. At our discretion, we may change the interest rate on the account as often as daily. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly. If the account is closed before interest is credited, you will not receive the accrued interest.
Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. We will use an interest accrual basis of 365 (or 366 in leap year) for each day in the year.
Limitations: You must deposit $50.00 to open this account. There is no limitation for withdrawals or transfers, but a fee of $5.00 per withdrawal is assessed, in excess of 2 per month.
Account Fees: A $50.00 minimum daily balance is required to avoid a monthly service charge of $5.00. Fees could reduce earnings on the account.