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HOME  Personal  Savings  Union Advantage Savings

Union Advantage Savings Account


The Union Advantage Savings Account allows you to earn interest and save money on a wide range of banking services.  Plus, open a First Trade checking account and receive one combined monthly statement.


  • Union members
  • Immediate family members of a union member
  • Those employed by a union organization or union contractor

Please provide us with verification of your union affiliation when submitting an application.

Currently, this account can only be opened in person or through the mail.  However, you will be able to open this account online soon!

  • $10 minimum opening deposit
  • Earn a premium interest rate on balances of $50 or more
  • Interest accrues daily and is compounded and credited monthly
  • No monthly service fee if minimum $250 daily balance is maintained1
  • ATM card available
  • Direct Deposit available
  • Free online banking  
  • eStatements available
  • Set up reoccurring internal transfers from your First Trade checking account to increase your savings
  • Eligible for use with our Overdraft Protection Program
  • FDIC–insured2


  • Free Money Orders
  • Free Treasurer's Checks
  • Free Check Certification
  • Fee-Free American Express® "Travelers Cheques for One"
  • Discounted fee on American Express® "Travelers Cheques for Two"
Accessing Your Funds


  • FREE internal & external transfers between your First Trade accounts and your accounts at other financial institutions3


  • Make unlimited, fee-free deposits, withdrawals and balance inquiries at First Trade ATMs & branch locations
  • Make 5 fee-free foreign withdrawals per month at thousands of ATMs displaying the NYCE® Payment Network or Cirrus® logos4
  • Make surcharge-free withdrawals at ATMs displaying the SUMSM Program logo5
  • Make unlimited, fee-free deposits and balance inquiries at ATMs displaying the NYCE® Shared Deposit Program logo
  • Make fee-free, real-time Account-to-Account transfers at First Trade ATMs using your ATM Card to accounts at financial institutions that participate in the NYCE® Payment Network


Rates & Fees
  • 0.05% APY6
  • Monthly service charge of $2.50 if minimum daily balance is below $250
Convenient Links
1 Monthly service charge of $2.50 if minimum daily balance is below $250.
2 FDIC–insured up to at least $250,000 per depositor.
3 You are permitted six (6) pre-authorized transactions per statement period.
4 After 5 foreign withdrawals, a $1.50 per withdrawal fee will apply.
5 Financial institutions that do not participate in the SUMSM Program may apply a surcharge.
6 Annual Percentage Yield (APY) accurate as of . Rate may change after account is opened and fees could reduce earnings.

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