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Savings Accounts & IRA'sIRA Stones

Money Market Plus

Take advantage of a competitive interest rate with a low daily balance requirement with our Money Market Plus account.

  • $100 Minimum to open account
  • Ability to link to your checking account
  • Full account access via On-Line banking or ATM card
  • See rates and terms

Health Savings Account

A Health Savings Account (HSA) can help you stay on top of rising health care costs--and provide you with tax-deferred savings. By establishing an HSA with USB, you have taken an important step toward saving tax dollars and providing for the health-care needs of you and your family.

  • Contributions are tax-deductible
  • Earnings are tax-free
  • Funds are distributed tax free (qualified medical expenses only)
  • See rates and terms

 

HSA Contribution Limits

2021

  

Individual Plan

$3,600

Family Plan

$7,200

2020

  

Individual Plan

$3,550

Family Plan

$7,100

*If over the age of 55 "catch up" contributions of an additional $1,000 can be made

 

Traditional IRA

Open a Traditional IRA with United Savings and enjoy the safety and security of guaranteed interest. Further, there are NO administrative fees associated with our IRA's.

  • Earnings grow tax deferred until withdrawal
  • Maximum contribution limits are $6,000 (2020) and $6,000 (2021)
  • $1,000 catch up contributions allowed for age 50 and above
  • Contributions can be made indefinitely (if you have earned income)
  • Required Minimum Distributions (RMD's) begin at 72
  • See CD rates and terms

Roth IRA

Open a Roth IRA with United Savings and enjoy the safety and security of guaranteed interest. Further, there are NO administrative fees associated with our IRA's.

  • Earnings grow tax free
  • Contributions based on maximum adjusted gross income
  • Tax free withdrawals upon age 59 1/2
  • Not subject to RMD's
  • See CD rates and terms