United Bank & Trust

Personal Savings

Savings options for every stage of your financial journey.

From building an emergency fund to saving for a major purchase, healthcare expenses, or retirement, our savings solutions help you reach your future goals.

Savings for everyday use and short-term goals

Savings Account

Simple, everyday savings

Earn interest while keeping your money available for everyday needs and future plans.

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Money Market

Higher earning potential

Enjoy competitive interest rates with convenient access to your savings.

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First-Time Homebuyer Savings Account

Save for your first home 

Set money aside with potential Iowa tax advantages for eligible first-time homebuyers.

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Health Savings Account (HSA)

Save for healthcare expenses

Set aside pre-tax dollars to help pay for qualified medical expenses while earning interest.

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Individual Retirement Accounts (IRAs)

Save for retirement

Build your retirement savings with IRA options designed to help you work toward your long-term financial goals.

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Certificates of Deposit (CDs)

Guaranteed growth for your savings

Lock in a competitive fixed interest rate for a set term while growing your savings with confidence.

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Debit Card and Money App for Kids and Teens

Kickstart your child’s financial journey with Greenlight! 

  • Send money instantly 
  • Customize parental controls 
  • Manage chores and allowances 
  • Set savings goals 
  • Build money skills with Greenlight Level Up games 

Learn More About Greenlight

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Not sure which account best fits your goals?

A quick conversation with a Relationship Banker can help you decide.

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