Our Savings Accounts

Master Share Account

A master share account is required for membership at UBI. $25 must remain on deposit at all times in a master share account while you are a member in order to take advantage of the below and all other credit union services. A master share is subject to Regulation D limiting which means you can only do 6 electronic transactions out of this account during any one month period. 


Maximize your earned Kasasa checking rewards with our Kasasa Saver account. Not only does it gather your earned checking rewards each month, it also earns a competitive dividend on its balance! Choose this free, effortless savings that helps to build itself!

Apply online in minutes.


  • Free account that builds your savings effortlessly
  • Links to free Kasasa Cash® or Kasasa Cash Back® checking
  • No minimum balance to earn rewards
  • No monthly maintenance fees
  • Free digital banking, including:
    • Online banking
    • Free mobile banking
    • Free e-Statements
  • Nationwide Shared Branching via the Allpoint ATM network
  • Not subject to Regulation D

Qualifying is Simple

Qualifying for your Kasasa Cash or Kasasa Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle (see page 8 of the Kasasa Saver with Cash disclosure).

  • At least 12 debit card purchases
  • Be enrolled in eStatements
  • 1 of the following: direct deposit, ACH payment, or bill pay transaction

If for some reason you don’t meet these qualifications, don’t worry You can still earn our base rate on Kasasa Saver and get right back to earning full rewards the very next cycle that you qualify.

*Terms and conditions apply. See details of Kasasa Cash with Kasasa Saver here. See details of Kasasa Cash Back with Kasasa Saver here.