Your Trusted US Banking Partner
18K
Happy Customers
Happy Customers
Customer Support
We are dedicated to building and maintaining long-term relationships with our customers, ensuring their financial security through FDIC-insured accounts.
To be the leading bank in customer satisfaction and innovative banking solutions, fostering trust, reliability, and financial growth.
To provide exceptional banking services, from checking accounts to mortgages and BNPL solutions, that meet the diverse needs of our customers.
Enjoy fee-free checking accounts with a complimentary debit card and no hidden withdrawal limits.
Securely deposit your funds with us and enjoy some of the most competitive APY rates in the US.
Experience quick, efficient, and secure domestic and international fund transfers.
We offer competitive, zero-fee checking and savings accounts to ensure you save more while banking with us.
Your security is our priority. Your deposits are FDIC-insured up to $250,000 per depositor.
Digital Banking Solutions Established in 1990
Easily transfer your funds within Union Reserves or send money to friends and family in minutes.
We offer various deposit options, including High-Yield Savings and Certificates of Deposit (CDs).
Explore our diverse loan plans or split your everyday purchases with our flexible Buy Now, Pay Later feature.
1
Become an account holder by opening a checking or savings account with us.
2
Complete a quick KYC verification process to activate your account and secure your identity.
3
Deposit funds via ACH, wire, or mobile check deposit to start earning interest.
You can now access standard banking, BNPL, and lending services from our portal.
Basic Savings
APY
4.25%
Minimum Opening Deposit
$100.00
Compounding
Monthly
Monthly Fee
$0
ATM Access
Free Nationwide
FDIC Insured
Up to $250k
Advantage Savings
APY
4.75%
Minimum Opening Deposit
$1,000.00
Compounding
Monthly
Monthly Fee
$0
ATM Access
Free Nationwide
FDIC Insured
Up to $250k
Premium Yield Savings
APY
5.15%
Minimum Opening Deposit
$5,000.00
Compounding
Monthly
Monthly Fee
$0
ATM Access
Free Nationwide
FDIC Insured
Up to $250k
24-Month CD
Term Length
24 Months
Interest Paid
Monthly
APY
4.80%
Minimum
$1,000.00
Maximum
$500,000.00
6-Month CD
Term Length
6 Months
Interest Paid
Monthly
APY
5.00%
Minimum
$1,000.00
Maximum
$250,000.00
12-Month CD
Term Length
12 Months
Interest Paid
Monthly
APY
5.25%
Minimum
$1,000.00
Maximum
$500,000.00
Personal Loan
Loan Amount (Min)
$1,000.00
Loan Amount (Max)
$50,000.00
APR
From 6.99%
Payment Frequency
Monthly
Term Length
12 - 60 Months
Mortgages
Loan Amount (Min)
$50,000.00
Loan Amount (Max)
$2,000,000.00
APR
From 5.85%
Payment Frequency
Monthly
Term Length
15 - 30 Years
Buy Now, Pay Later (BNPL)
Purchase Minimum
$50.00
Purchase Maximum
$3,000.00
APR
0% (Pay in 4)
Payment Frequency
Bi-Weekly
Term Length
6 Weeks
If you don’t find your answer here, feel free to reach out to us for any queries.
Contact UsYes, we do not charge any monthly maintenance fees for opening a standard checking or savings account.
Yes, you can easily transfer money from Union Reserves to other banks via Wire, ACH, or Zelle®.
You can get the registration form by clicking on the Sign Up button on the top bar. Fill in all required information and click on the Sign Up button to create your account.
No, we do not share our account holders' information with any third-party organizations for advertising purposes.
We offer several lending and credit plans. Choose the plan that suits you best, click on the Apply Now button, and follow the simple approval steps.
We have various CD terms. Select the length that fits your needs and click on the Apply Now button to secure your rate.
