As the summer winds down and the routine of fall sets in, it’s the perfect time to pause and take a closer look at your financial goals. You may have started the year with savings resolutions you haven’t revisited, or you’re already thinking ahead to the holidays, or even tax season.

Wherever you are in your financial journey, fall is a smart moment to get organized, make adjustments, and take action. At URSB, we’re here to help you make the most of your money with savings tools designed for real life.

A Good Time to Revisit Your Strategy

The back-to-school season isn’t just for students. For many of us, fall feels like a fresh start—a reset after the busyness of summer and a time to refocus before the holidays hit. That makes it an ideal moment to check in on your finances.

Are you putting away enough for the future? Could your savings be working harder? Are there financial tools you’ve been meaning to explore?

These aren’t just questions for the new year; they’re worth asking now. And with just a few small changes, you could be ending 2025 on a stronger financial note than you expected.

Lock in Growth with a Certificate of Deposit (CD)

If you have extra funds sitting in a regular savings account, now might be the time to consider a Certificate of Deposit. CDs allow you to lock in a guaranteed interest rate for a set period, helping you earn more while keeping your money safe.

At URSB, we offer flexible CD terms with highly competitive rates. Whether you’re saving for a significant expense next year or want a secure way to grow your money, a CD is a simple, low-risk option that delivers real results.

And if you’re not sure which term or amount is correct for you, our CD Concierge Team is here to help you weigh your options and find the best fit.

Prepare for the Future with an IRA

Retirement planning isn’t just for people nearing retirement. The earlier you start—or the more consistently you contribute—the more your savings can grow over time. An Individual Retirement Account (IRA) is a powerful tool for building long-term wealth, and fall is a great time to check in on your progress.

Whether you’re looking to open a new IRA or want to make sure you’re maximizing your contributions before the year ends, we can help you review your strategy. We’ll also help you understand the differences between Traditional and Roth IRAs, so you can choose the option that best aligns with your income, tax goals, and plans.

Consider the Bigger Picture

Beyond CDs and IRAs, fall is also a smart time to think about other pieces of your financial life. Are you making progress on your emergency fund? Are you saving for college, a home project, or a dream trip? Would a home equity loan help make a primary goal more manageable?

At URSB, we offer a range of tools and solutions—from savings accounts to home financing options—that can help you reach your goals on your terms. Our team takes the time to understand your needs, walk through your options, and support you with guidance that’s always local and never one-size-fits-all.

Let’s Make This Your Most Focused Season Yet

Fall brings a chance to reset, refocus, and finish the year with intention. Whether you’re looking to grow your savings, reduce stress, or take control of your financial future, we’re here to help you take that next step.

Stop by your local URSB branch or visit ursb.com to explore savings products, speak with our team, and make the most of this season.