We offer some of the best personal banking deposit rates in our market. Rest assured knowing that your checking and savings balances are safe and secure with URSB. We offer you the account tools to manage your money and save for your future in any stage of your life. We’ll make sure you have the right interest-bearing account to meet your personal goals!

Checking and Savings
Product Rate Annual Percentage Yield* Compounded Minimum Deposit to Open Minimum to Obtain APY
NJ Consumer Checking None None N/A $50 N/A
N.O.W. Checking 0.05% 0.05% Monthly $50 $1
Platinum Checking 0.05% 0.05% Monthly $5,000 $1-$4,999.99
0.10% 0.10% Monthly $5,000 $5,000-$9,999.99
0.15% 0.15% Monthly $5,000 $10,000-$24,999.99
0.25% 0.25% Monthly $5,000 $25,000-$49,999.99
0.45% 0.45% Monthly $5,000 $50,000+
Kasasa Cash® Learn more about current Rate/APY and qualifications. $50 $0.01
Kasasa Saver® Learn more about current Rate/APY and qualifications. $25 $0.01
Statement Savings 0.25% 0.25% Monthly $100 $1
Passbook 0.25% 0.25% Monthly $25 $1
Money Market 0.05% 0.05% Monthly $500 $1-$499.99
0.35% 0.35% Monthly $500 $500+

*Annual Percentage Yield (APY).  Assumes continuous re-investment of both interest and principal at the original interest rate for a period of one year.  Contact URSB for full disclosure. Rates effective as of 04/22/2019 and are subject to change without notice.**Fees may reduce earnings.

CDs
Product Rate Annual Percentage Yield* Compounded Minimum Deposit to Open Minimum to Obtain APY
6 Month CD 0.35% 0.35% Monthly $500 $500
7 Month CD 0.35% 0.35% Monthly $500 $500
9 Month CD 0.60% 0.60% Monthly $500 $500
11 Month CD Step Up 1.90% 1.90% Monthly $500 $500
12 Month CD 0.60% 0.60% Monthly $500 $500
15 Month CD 1.30% 1.30% Monthly $500 $500
18 Month CD 2.09% 2.10% Monthly $500 $500
19 Month CD Step Up 2.04% 2.05% Monthly $500 $500
24 Month CD 2.29% 2.30% Monthly $500 $500
30 Month CD 2.78% 2.80% Monthly $500 $500
48 Month CD 1.75% 1.76% Monthly $500 $500
60 Month CD 2.11% 2.12% Monthly $500 $500
The Carteret Ultra CD
6 Month
4.89% 5.00% Monthly $500 $500

*Annual Percentage Yield (APY) assumes continuous re-investment of both interest and principal at the original interest rate for a period of one year. Minimum balance to earn the APY is $500.00. A penalty may be imposed for early withdrawal. Contact URSB for full disclosure. Rates effective as of 04/22/2019 and are subject to change without notice.**The Carteret Ultra CD offer is available to consumers who work or live in Carteret or Port Reading. Deposit limit up to $2,500. Offer only for new deposit money. Limited to one Carteret Ultra CD per person / one per household in any 12-month period. A checking account with URSB must be maintained for the term of the Carteret Ultra CD. Minimum Deposit $500.00.

***Fees may reduce earnings.

****11 Month CD Step Up: Annual Percentage Yield. Assumes continues re-investment of both interest and principal at the original interest rate for a period of eleven (11) months. Contact URSB for full disclosure. Rates effective as of 04/22/2019 and are subject to change without notice. The interest rate and APY may be changed once (and only once) during the initial term of the CD. Upon receipt of a written step-up request from you, we will adjust the interest rate and APY to the interest rate and APY then in effect for the Eleven (11) Month CD Step Up. The original maturity date will remain unchanged. No new money may be added when exercising the step-up option and URSB may impose a penalty on the CD if you withdraw any of the principal before the maturity date.

*****19 Month CD Step Up: Annual Percentage Yield. Assumes continues re-investment of both interest and principal at the original interest rate for a period of nineteen (19) months. Contact URSB for full disclosure. Rates effective as of 04/22/2019 and are subject to change without notice. The interest rate and APY may be changed once (and only once) during the initial term of the CD. Upon receipt of a written step-up request from you, we will adjust the interest rate and APY to the interest rate and APY then in effect for the Nineteen (19) Month CD Step Up. The original maturity date will remain unchanged. No new money may be added when exercising the step-up option and URSB may impose a penalty on the CD if you withdraw any of the principal before the maturity date.

IRAs
Product Rate Annual Percentage Yield* Compounded Minimum Deposit to Open Minimum to Obtain APY
6 Month IRA 0.35% 0.35% Monthly $500 $500
7 Month IRA 0.35% 0.35% Monthly $500 $500
9 Month IRA 0.60% 0.60% Monthly $500 $500
12 Month IRA 0.60% 0.60% Monthly $500 $500
15 Month IRA 1.30% 1.30% Monthly $500 $500
18 Month IRA 2.09% 2.10% Monthly $500 $500
24 Month IRA 2.29% 2.30% Monthly $500 $500
30 Month IRA 2.78% 2.80% Monthly $500 $500
48 Month IRA 1.75% 1.76% Monthly $500 $500
60 Month IRA 2.11% 2.12% Monthly $500 $500
*Annual Percentage Yield (APY). Assumes continuous re-investment of both interest and principal at the original interest rate for a period of one year. Contact URSB for full disclosure. Rates effective as of 04/22/2019 and are subject to change without notice. URSB may impose a penalty on a CD IRA account if you withdraw any of the principal before maturity date.**Fees may reduce earnings.
Roth IRAs
Product Rate Annual Percentage Yield* Compounded Minimum Deposit to Open Minimum to Obtain APY
6 Month Roth IRA 0.35% 0.35% Monthly $500 $500
12 Month Roth IRA 0.60% 0.60% Monthly $500 $500
24 Month Roth IRA 2.29% 2.30% Monthly $500 $500
60 Month Roth IRA 2.11% 2.12% Monthly $500 $500

*Annual Percentage Yield (APY). Assumes continuous re-investment of both interest and principal at the original interest rate for a period of one year. Contact URSB for full disclosure. Rates effective as of 04/22/2019 and are subject to change without notice. URSB may impose a penalty on a CD IRA account if you withdraw any of the principal before maturity date.**Fees may reduce earnings

Holiday and Vacation Club
Product Rate Annual Percentage Yield* Compounded Minimum Deposit to Open Minimum to Obtain APY
Holiday Club 0.13% 0.13% N/A $5 $5
Vacation Club 0.13% 0.13% N/A $5 $5

*Annual Percentage Yield (APY). Assumes continuous re-investment of both interest and principal at the original interest rate for a period of one year. Contact URSB for full disclosure. Rates effective as of 04/22/2019 and are subject to change without notice.**Fees may reduce earnings.