Bank · FDIC insured
Union State Bank Savings Rates
Union State Bank’s best savings rate is 0.15% APY on $10,000, with its Money Market Account. Rates checked October 30, 2026.
How Union State Bank’s savings rates compare
On $10,000. The best rate among banks and credit unions with branches in each area, and among accounts anyone can open online.
This bank’s best
Union State Bank
0.15%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $15
Money Market Account
Find the best savings rates →
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Money Market Account
Up to 0.15%APY
Minimum average daily balance to avoid service charge is $2,500. $10.49 monthly service charge if balance < $2,500. Minimum balance to earn interest is None. Limit of 6 withdrawals per month with $5 excess withdrawal fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Minimum average daily balance to avoid monthly service charge of $10.49 is $2,500. Limit 6 withdrawals per month. | 0.05% | $5 | Minimum average daily balance to avoid monthly service charge of $10.49 is $2,500. Limit 6 withdrawals per month. |
| $10,000 – $25,000Minimum average daily balance to avoid monthly service charge of $10.49 is $2,500. Limit 6 withdrawals per month. | 0.15% | $15 | Minimum average daily balance to avoid monthly service charge of $10.49 is $2,500. Limit 6 withdrawals per month. |
| $25,000 and upMinimum average daily balance to avoid monthly service charge of $10.49 is $2,500. Limit 6 withdrawals per month. | 0.25% | — | Minimum average daily balance to avoid monthly service charge of $10.49 is $2,500. Limit 6 withdrawals per month. |
Sources (2)
- onlinebanking.unionstbank.com/…counts-timedeposits.html
- onlinebanking.unionstbank.com/…CurrentDepositRates.html
All captured Oct 30, 2026
Passbook Savings
0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (1)
- onlinebanking.unionstbank.com/…CurrentDepositRates.html · captured Oct 30, 2026
Special-purpose accounts
Health Savings Account
0.25%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,500Tier: less than $1500 | 0.05% | — | Tier: less than $1500 |
| $1,501 – $3,000Tier: $1501-$3000 | 0.15% | — | Tier: $1501-$3000 |
| Over $3,000Tier: over $3000 | 0.25% | $25 | Tier: over $3000 |
Sources (2)
- onlinebanking.unionstbank.com/…onalbankingservices.html
- onlinebanking.unionstbank.com/…CurrentDepositRates.html
All captured Oct 30, 2026
Christmas Club Savings
0.05%APY
Specialized savings account to save for Christmas or year-end holiday expenses. Automatically receive a check just in time for holiday shopping.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum balance to earn interest is None. Minimum average daily balance to avoid service charge is None.Any balance | 0.05% | $5 | Minimum balance to earn interest is None. Minimum average daily balance to avoid service charge is None. |
Sources (2)
- onlinebanking.unionstbank.com/…counts-timedeposits.html
- onlinebanking.unionstbank.com/…CurrentDepositRates.html
All captured Oct 30, 2026
Union State Bank savings score
67
Savings score
Higher than 18% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0000.25%
- QualifiedQualified0.15%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.