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Savings & CDs

Savings & CDs

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To apply online you must:

  • Be at least 18 years old
  • Have a social security number
  • Have a physical address located in Iowa, Minnesota or Wisconsin
  • Have an email address and access to that email 

To open a savings for a minor, please visit a CUSB branch location. 



  • $25 minimum opening deposit
  • Competitive interest
  • Up to 6 withdrawals per month, $7.00 per debit in excess
  • FREE ATM card available
  • $5.00 monthly fee if balance falls below $50.00 minimum daily balance (if over 18 years of age)

Optimum Return Account

Choose Optimum Return if earning maximum interest is your goal.

  • $25 minimum opening deposit
  • $2,500 minimum daily balance required to avoid a fee
  • Up to 6 withdrawals per statement cycle, $7.00 per debit in excess of six
  • Tiered interest rates
  • $7 per month if balance falls below daily minimum

Time Certificates of Deposit*

“Build Your Own CD”

  • $500 minimum deposit
  • You may exchange interest rate once during the term
  • You may add to your CD twice a year
  • * Withdraw up to 50% of the current balance once during the term without penalty

Additional Certificates of Deposit available with competitive rates and varying terms.

Other Specialty Savings Offerings

Traditional, Roth, SEP, Simple, HSA

  • New, higher contribution limits
  • Contributions grow tax-deferred (Consult your tax advisor)
  • New account plans, rollovers, and transfers available

*Penalty for early withdrawal may apply

 CDARS LogoAccess multi-million dollar FDIC Insurance. For more information: CDARS

Christmas Club

  • Minimum opening deposit of $25
  • Earn a higher interest rate on balances
  • Savings balance directly deposited to an account of your choice in October to help with Christmas Shopping

Safe Deposit Boxes

Your valuables and important papers can be safe and secure for just nickles a day. The cost is insignificant when compared to the cost of replacing your possessions...some of which are irreplaceable. We have several sizes of boxes available to best suit your needs and budget. See us today!

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