U-Name-It Savings

Start saving for something you want, like a special purchase, event, or trip.

This is How Saving Becomes Fun

You know that vacation you’ve wanted to take, but you haven’t because you don’t feel you can justify the expense? Well, let’s start saving so you can justify it! A U-Name-It Savings Account is a goal-based savings account that makes it easy to save for that special purchase, event, or trip.

Start by naming your U-Name-It account whatever you like, perhaps “Trip to the Bahamas” or “Home Remodel Fund.” Then, start stashing away your nickels and dimes to hit your goal. You’ll be in the Bahamas before you know it!


  • Live the Dream. Do something you’ve always dreamed of.
  • Feel Accomplished. Setting a goal and hitting it makes you feel like a champ.
  • Have Fun. Seeing your U-Name-It savings grow is a thrill!

“I work an extra job, and wanted to keep that money separate. I started a U-Name-It account, and called it my Vacation Account.When I saved enough for vacation, I was amazed, and couldn’t remember what I did before I opened this account! Keeping the money out of my normal cash flow kept me from spending the extra that I had every week. And the vacation was awesome.”

– Jen

Additional Information


If you have questions, stop by one of our branches or call (716) 648-4411.

No Minimum Deposit

There is no minimum deposit to open a U-Name-It Savings Account.


Balances $1 and greater most accounts; minimum balance may apply*.0.30%0.30%

APY = Annual Percentage Yield. For Club Accounts, withdrawal fees apply if withdrawals are made prior to the club disbursement date. Minimum Balance is $5.00 for Regular Shares.

Updated April 13, 2024


The accuracy of our calculators and their applicability to your circumstances are not guaranteed. You should consult with a qualified professional regarding your particular circumstances.

Interest Rate
Times Compounded / Yr
Total Savings$


Transfers in excess of 6 per month (per Reg D)$3 each
Non-Sufficient Funds$29.99 per item
Other fees may apply. Refer to our full fee schedule for further information. Fees could reduce earnings on your account.

Frequently Asked Questions

Are savings deposits insured?

Yes. On July 22, 2010, the $250,000 federal insurance protection became permanent. Properly established member accounts in federally insured credit unions are insured up to the Standard Maximum Share Insurance Amount (SMSIA). The basic insurance amount is $250,000 per individual account holder, per federally insured credit union. This includes principal and posted dividends up to a total of $250,000. Joint account holders are insured up to $250,000 per joint account holder, per federally insured credit union. For example, an account with two joint account holders is insured for $500,000 separately from the holders’ individual accounts. This includes principal and posted dividends. Individual retirement accounts (IRA) and KEOGH accounts are insured separate from other accounts and up to $250,000 per institution, including principal and posted dividends.

Can an automatic deduction come from either a savings or checking account?

Yes. To set up an automatic deduction you will need our routing number (222380731) and your member number when associated with your savings account, or the 14-digit MICR number associated with your checking account.

the Dream

Start saving for a special purchase, event, or trip.