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Receive this Annual Percentage Yield (APY) that is 9x more than the national savings average until May 5, 2026 and receive a competitive rate thereafter.1,2,3,4

3.65% APY

A limited-time promotional offer beginning February 5 through May 5, 2026 is available with a minimum $100 of qualifying cash deposited into UBS Bank USA Core Savings (UBS Core Savings) by April 28, 2026. Effective February 5, 2026, the APY is 3.65% and the APY may change at any time during the offer without notice.1,2,4

UBS Core Savings must be funded entirely with qualifying cash during the offer period. Qualifying cash is new cash inflows—including cash from outside sources; cash from the sale, maturity or redemption of securities (including certificates of deposit); dividends; and interest from fixed income—minus cash outflows within the same UBS account.1

Your need for cash can change over time. Keep the money you need for the right investment opportunity, emergencies, planned or unplanned expenses ready when you need it and earning interest for you. UBS Core Savings can help you do what you need to, when you need to, without keeping cash idle.

Benefits

  • FDIC Insurance up to applicable limits. UBS Core Savings deposits, from an eligible account, are placed in a deposit account at our affiliate bank, UBS Bank USA. For more information on FDIC Insurance, see footnote †. Contact your UBS Financial Advisor if you do not have an eligible UBS account.
  • Deposit and withdrawal options via UBS Online Services or speak with your Financial Advisor5. Visit ubs.com/videolibrary to learn more.
  • Interest earned at competitive rates, even outside promotions (standard rates available at ubs.com/coresavings)
  • Same-day availability if your deposit or withdrawal request is submitted before 12:00 p.m. Eastern Time on a business day6.
  • See your UBS Core Savings balance, interest and activity on your UBS account statement along with your investments.
You have a limited number of withdrawals per month. See footnote ††. 

How to make a deposit

Make a deposit by contacting your Financial Advisor or online on UBS Online Services or the UBS Wealth Management app5.

Log in and make a deposit into UBS Core Savings.

Make a deposit

View a UBS Core Savings video tutorial on how to make an online deposit and withdrawal.

Watch the video tutorial

Advice and support

UBS Core Savings comes with the knowledgeable advice and support of your Financial Advisor. Your Financial Advisor can help you align your short-term liquidity strategy to meet your lifestyle or business needs today while helping to plan for your long-term financial goals.

†About FDIC insurance: : UBS Bank USA is a member of the Federal Deposit Insurance Corporation (FDIC). Funds on deposit at UBS Bank USA are eligible for FDIC insurance up to $250,000 (including principal and accrued interest) per depositor for each insurable capacity (e.g., single or joint) in which the deposit is held, provided that the requirements for deposit insurance have been met. For purposes of FDIC insurance, your deposits will be aggregated with your other deposit balances held in the same insurable ownership capacity at UBS Bank USA, including any UBS Bank USA issued certificates of deposit you own, UBS Bank USA Core Savings deposits and deposits placed at UBS Bank USA through participation in the UBS Deposit Sweep Program or through sweep programs offered by third-party broker-dealers. FDIC deposit insurance only covers the failure of an insured bank. UBS Financial Services Inc. is not an FDIC-insured bank. You are responsible for monitoring the total amount of deposits at UBS Bank USA in order to determine the extent of FDIC deposit insurance coverage. For more information about FDIC insurance, please visit the FDIC website at fdic.gov/deposit/deposits.

††After 10 withdrawals per month, a $25 fee per withdrawal (may reduce earnings) or liquidation of the entire savings balance will apply, depending upon account type.

1 The promotional offer only applies to qualifying cash you deposit into UBS Bank USA Core Savings (UBS Core Savings). ”Qualifying cash” equals cash inflows minus cash outflows during the period commencing on January 30, 2026 and ending on the day you fund UBS Core Savings. Cash inflows are defined as (i) deposits from sources outside of UBS in the form of direct deposits (e.g., payroll or annuity); check deposits (including through mobile deposit capture); and wire, ACH, and other funds transfer inflows, in addition to (ii) proceeds from the sale of money market funds, mutual funds, equities, fixed income (including certificates of deposit) and other securities, (iii) proceeds from maturity or redemption of fixed income securities, (iv) dividends, and (v) interest from fixed income. Cash outflows may include checks; bill payments; ATM withdrawals and debit card purchases; autopayments (e.g., credit card); and wire, ACH, and other funds transfer outflows. Qualifying cash must be fully settled and included in the withdrawal limit for your UBS account before you can initiate a deposit into UBS Core Savings. This generally occurs one day after your deposit is received from an external source, or for securities sales, one day after settlement of the trade.

2 The variable rate promotion is available from February 5, 2026 through May 5, 2026 (promotional period) and is effective if you deposit $100 or more in qualifying cash into UBS Core Savings. Effective February 5, 2026, the APY is 3.65%. Deposits must be received before April 28, 2026 to be eligible for the promotional offer.

The promotional APY may change at any time in accordance with the prevailing rate environment during the promotional period. However, the promotional APY will not be lower than the highest tier rate (Tier 6) then in effect for standard UBS Core Savings. If an adjustment is made, you may obtain the new APY by accessing your account online or contacting your Financial Advisor. The promotional period may also be extended. You may access rates and promotion end dates at ubs.com/coresavings or by contacting your Financial Advisor.

At the end of the promotional period, the variable tiered rates on deposits in standard UBS Core Savings will apply (see ubs.com/coresavings). UBS Bank USA reserves the right to stop accepting new deposits and terminate the offer at any time.

3 Based on comparison to the National Deposits Savings Average Annual Percentage Yield (APY) as published on the FDIC Weekly National Rates and Rate Caps Weekly Update, as of January 20, 2026.

4 APY represents an interest rate of 3.585%. “Interest rate” is the annualized rate we pay but does not reflect any interest we pay on interest you have earned (called “compound interest”). “Annual percentage yield” or “APY” is the annualized rate we pay and includes compound interest. APY may be higher than the interest rate due to compound interest.

5Only non-advisory accounts can execute online UBS Core Savings deposits and withdrawals.

6Interest begins to accrue on the day your deposit is credited to UBS Core Savings. Deposit and withdrawal orders must be submitted before 12:‍00 p.‍m. ET on a business day in order to be credited on the same day. Deposit and withdrawal orders submitted after 12:‍00 p.‍m. ET on a business day or on a non-business day will be credited on the next business day. A business day is Monday‍ to Friday‍, excluding New York Stock Exchange and federal holidays.

For online deposits on UBS Online Services and the UBS Wealth Management app only: If you make a deposit from your UBS account before 12:00 p.m. ET on a business day, your funds will be credited on the same day, and you will begin accruing interest that day. If your deposit is submitted after 12:00 p.m. ET on a business day or on a non-business day, your funds will be credited on the next business day. For any deposits from an external account, your funds will be credited in UBS Core Savings typically in one business day if you submit your funds transfer request before 6 p.m. ET on a business day. If your request is submitted after 6 p.m. ET on a business day or on a non-business day, your funds will be credited on the second business day.

About UBS Core Savings
Please carefully review the UBS Bank USA Core Savings Disclosure Statement available at ubs.com/coresavingsdisclosure. UBS Core Savings deposits are made through an account at UBS Financial Services Inc. UBS Financial Services Inc., as your agent and custodian, will open a deposit account with its affiliate bank, UBS Bank USA. Certain advisory accounts, non-resident aliens and financial institutions are not eligible for UBS Core Savings. Please see the Disclosure Statement for a full list of eligible accounts. Ask your Financial Advisor for more information.

UBS Core Savings is not intended for clients who need to have frequent access to their funds. For non-advisory accounts, UBS Financial Services Inc. will charge you a fee of $25 for each withdrawal that you make from UBS Core Savings in excess of ten (10) withdrawals in a calendar month. For advisory accounts, if you make more than ten (10) withdrawals in any calendar month, your entire UBS Core Savings position (principal plus accrued interest) will be liquidated at the eleventh (11th) withdrawal and deposited in your advisory account. Your funds will not be automatically re-deposited into UBS Core Savings the following month. If you would like to deposit into UBS Core Savings again, you may instruct your Financial Advisor to transfer funds back into UBS Core Savings. For these purposes, a withdrawal will be considered to occur on the day on which the funds are actually withdrawn from UBS Core Savings, which may not be the same day on which you place an order for the withdrawal with your Financial Advisor. Any applicable fees will be posted to your account at UBS Financial Services Inc. the business day following the excess withdrawal, and may reduce your earnings. You may incur a withdrawal fee or your position may be liquidated, as applicable, even if the withdrawal is involuntary such as if a withdrawal is made by UBS Financial Services Inc. to meet a margin call.

About UBS Bank USA

UBS Bank USA is a US subsidiary of UBS Group AG. UBS Bank USA, Member FDIC, NMLS no. 947868.

About UBS Financial Services Inc.
The Resource Management Account (RMA), Business Services Account BSA and International Resource Management Account (IRMA) are brokerage accounts with UBS Financial Services Inc., a registered broker-dealer and a member of the Securities Investor Protection Corporation (SIPC), which protects securities customers of its members up to $500,000 (including $250,000 for claims for cash). An explanatory brochure is available upon request or at sipc.org. These accounts provide access to cash management services through arrangements with affiliated banks and other third-party banks, and provide access to insurance and annuity products issued by unaffiliated third-party insurance companies through insurance agency subsidiaries of UBS Financial Services Inc. UBS Financial Services Inc. is not a bank. 

Investment, insurance and annuity products: Not FDIC insured • Not a deposit • No bank guarantee • May lose value

UBS Financial Services Inc. is a US subsidiary of UBS Group AG. Member FINRA. Member SIPC.

This information is not provided based on your particular financial situations or needs and does not take into account individual investors’ circumstances. You should not consider this information to be a “recommendation” by UBS or your UBS Financial Advisor.

© UBS 2026. All rights reserved. The key symbol, UBS, Resource Management Account, RMA, Business Services Account BSA, International Resource Management Account, and IRMA are among the registered and unregistered trademarks of UBS.

2022-804377

Review code: 20260114-5117268, Expiration: 01/14/2027.