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Emergency Fund Calculator

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In recent months we've all realized just how important it is to have an emergency fund. This type of savings can help ensure a layoff, an unexpected financial burden or even a worldwide pandemic won't have major long-term effects on your financial health. 

This tool shows how much you need to save, in total and on a monthly basis, to create an emergency reserve fund for unanticipated expenses or loss of income.
Note: This tool is meant to estimate emergency expenses for a minor incident. It is not intended to calculate incidents that may cause a long-term disability. Because of the nature of unexpected emergencies, the amount estimated here is very rough and may be overly simplified for major incidents.
United Savings

Isn’t it funny how Plan A and B always become Plan C-Ya? Now, planning has never been so easy, or secure with our convenient interest-earning savings account.

  • $100 minimum deposit to open
  • Daily balance of $100 necessary to earn interest and avoid service charge1
  • Competitive interest rates while retaining access to your funds
  • Six free withdrawals each quarter2
United Money Market

Earning primo interest rates is the name of the game with this high-yield Money Market account.

  • $1,500 minimum deposit to open
  • Daily balance of $1,500 necessary to avoid service charge3
  • Account balance earns you graduated interest rates
  • Six free withdrawals each month4
United Student Savings

If you are 22 or younger, start planning for your future with our interest-earning savings account. Your future self will love you for it.

  • No minimum deposit to open
  • No service charge
  • Competitive interest rates while retaining access to your funds
  • Six free withdrawals each quarter2
Certificates of Deposit

Time might pass you by, but your dollars won’t in the process. Earn more on your money with one of our CD options.

  • 7 and 13-month options available
  • Competitive rates
  • Interest earned on your CD will be compounded daily and credited to your certificate of deposit monthly.

A service charge of $5.00 will be imposed every quarter if the balance in the account falls below $100.00 any day of the quarter.

2 A $2.00 excessive withdrawal fee will be imposed for every withdrawal above 6 per quarter.

Monthly maintenance charge of $12 will be assessed unless a daily balance of $1,500 is maintained.

A $10.00 excessive withdrawal fee will be imposed for every withdrawal above 6 per month.

Message and data rates may apply. Fees may apply for certain optional services through Personal Online and Mobile Banking.