Personal Savings Accounts

Our savings accounts are designed to help you reach your goals, no matter what they may be.

Savings Accounts

Whether you are a beginner or a veteran saver, let us help you get to where you want to go!

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  • $100 minimum opening deposit
  • $100 minimum balance; $3 monthly fee when below minimum
  • 3 Free withdrawals monthly; $1.00 each thereafter
  • Free e-statements
  • Debit Card
  • Online Banking
  • Earn interest1

1See current rate sheet for tiers and rates. Variable rate may change daily and interest is compounded daily. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items.

Health Savings Accounts

A Health Savings Account (HSA) is a savings account that works much like an IRA – except the money is intended for qualified health care costs. With an HSA, you be able to pay for current health expenses and save for future qualified medical expenses on a tax-free basis1.

Who Can Have One?

Anyone under the age of 65 who is not enrolled in Medicare and is covered by a High Deductible Health Plan (HDHP) is eligible to open a Health Savings Account.

Why should I own an HSA?

You can save money by:

  • Deducting 100% of your HSA contributions from your taxable income
  • Accruing interest on a tax-free1 basis
  • Paying no penalties or taxes when you use your HSA to pay for qualified medical expenses

Why choose United Republic Bank for your HSA?

  • Premium interest rates
  • Cost effective
  • No Set-up fee
  • No annual fee

Advantages

A Health Savings Account (HSA) in conjunction with a high-deductible health plan (HDHP) is one way to lower your health care costs and ensure that when you need the money, it will be there for you. It's a tax-advantaged account that can be used to pay for day-to-day eligible medical expenses. Your HSA is also an excellent way to save for retirement as the money in your account continues to grow tax-free.

Account Features

  • $250 minimum opening deposit
  • $250 minimum balance; $3 monthly fee when below minimum.
  • Free e-statements
  • Visa® Debit Card
  • Online Banking with CheckFree® Bill Pay
  • Earn interest2
  • Year-end reports

1Consult your tax advisor to discuss your tax status.

2See current rate sheet for tiers and rates. Variable rate may change daily and interest is compounded daily. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks

For more information regarding annual limits and rules governing HSA accounts, we suggest you also visit the Internal Revenue Service (IRS) website.

VIST IRS.GOV

CDs and IRAs

A Certificate of Deposit (CD) or an Individual Retirement Account (IRA) are both great ways to save your hard-earned money while earning a competitive interest rate.

Certificates of Deposit

With terms ranging from seven (7) days to 5 years, you’ll enjoy both flexibility and FDIC-insured safety. Our personal banking professionals can help you time your CD maturity to ensure your cash is available when you need it. A $1,000 minimum balance is required for all CD accounts.

CHECK CURRENT RATES

Individual Retirement Accounts

An Individual Retirement Account (IRA) is a great option for you to save and for your retirement. With an IRA, you get the benefit of tax* savings and the ability to compound your money through contributions and interest earnings.

IRAs generally fall into one of two categories – either a Traditional IRA or Roth IRA (see below).

When you stop in, we’ll sit down with you and discuss your goals and needs in order to help you decide which IRA is best for you. Additionally, we encourage you to consult your tax advisor to discuss your tax deductibility status.

Traditional IRAs

Designed for individuals who want tax-deferred* savings for retirement, a Traditional IRA provides you the ability to deduct your contributions on your income tax return. Your deduction eligibility depends on your Adjusted Gross Income (AGI) and whether you are covered under an employer sponsored qualified retirement plan.

If you or your spouse (if filing jointly) are under 70½ years old and receive taxable earned compensation, you are eligible to establish a Traditional IRA.

Roth IRAs

The major benefit of a Roth IRA is tax-free* earnings growth for your retirement. Although contributions to a Roth IRA are not tax-deductible, your earnings grow tax-free. You also have the ability to take certain early withdrawals without paying the IRS early distribution penalty. If you expect to be in a higher tax bracket when you retire, you may benefit more from a Roth IRA since your contributions are nondeductible and taxed in the year they are earned.

If you or your spouse has compensation and your Adjusted Gross Income (AGI) does not exceed certain limits, you are eligible to open a Roth IRA.

Contact us with any questions or to speak with one of our banking professionals today.

*Consult your tax advisor to discuss your tax status.

Money Market Accounts

Earn a great rate for your hard-earned money with the convenience of "checking account like" functionality.

All of our money market accounts include free online banking, bill payment, our convenient mobile banking app, text and email alerts, eStatements, free checks and are direct deposit compatible.

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Personal Money Market

Save money and earn interest1 with this money market account

High Yield Money Market

This premiere money market account offers some of the highest earnings1 in Omaha.

Minimum to Open

$1,000.00

$100,000.00

Minimum Balance

$1,000.00 daily
to avoid monthly service charge.

$100,000.00 daily
to avoid monthly service charge.

Monthly Service Charge

$10 monthly fee when below minimum

Withdrawals

6 free withdrawal transactions per month; $5.00 for each additional 

ATM Fees

$2.00 for each foreign ATM Transaction

Surcharges may apply

Overdraft Transfer

$5.00 per transfer

 

1See current rate sheet for tiers and rates. Variable rate may change daily and interest is compounded daily. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items

We make it easy to get started banking at United Republic Bank. You can visit our office in Elkhorn or get started with the links below.

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Download Our Mobile Banking App

Take the bank with you no matter where you are. Our mobile banking app works on iOS and Android devices and is a great way to put the power of banking in the palm of your hand.

PERSONAL MOBILE BANKING

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