The following Personal Deposit account rates are effective as of October 01, 2024.
Things you need to know: All rates are quoted in Annual Percentage Yield (APY) and are applicable as of the effective date. Rates are subject to change without notice. Interest is paid on the full balance for the applicable tier. The APY may change after the account is opened. Some accounts may require minimum deposits. Fees could reduce earnings on the accounts. A penalty may be imposed for early withdrawal of principal for CDs.
Make the most of your hard-earned cash. Open a Money Market account during our limited-time new money special and rake in the savings as you earn an additional .50% *APY! With Union Bank, you can invest with confidence and be one step closer to achieving your financial goals.
Superior Savings Money Market and Premium Savings Money Market are tiered interest rate accounts. Interest is paid on the entire account balance based on the interest rate and APY in effect that day for the balance tier associated with the end-of-day account balance. *APYs — Annual Percentage Yields are accurate as of October 1, 2024. Accounts opened or qualifying deposits of $25,000 or more into existing Money Market accounts during the promotional period of October 1, 2024 through October 31, 2024 will be eligible for an additional 0.50% APY on each Tier for the initial 90 days from the original open date or deposit date. To qualify for the promotional rate a minimum deposit of $25,000 must be made within 30 days of the promotional end date. Offer available to new money only. Interest Rates for the Superior Savings Money Market and Premium Savings Money Market accounts are variable and may change at any time without notice. The minimum to open a standard rate Superior Savings Money Market account is $5,000 and Premium Savings Money Market account is $50,000.
| Life Savings |
APY |
Minimum Opening Balance |
| Balance of $0 to $199.99 |
0.01% |
$50 |
| Balance $200 to $2,499.99 |
0.03% |
$50 |
| Balance $2,500 to $24,999.99 |
0.10% |
$50 |
| Balance $25,000 and over |
0.15% |
$50 |
| Christmas Club Electronic |
0.10% |
$1 |
| Christmas Club Coupon Book |
0.05% |
$1 |
| Universal Premium Checking |
APY |
Minimum Opening Balance |
| Balance $0 to $999.99 |
0.20% |
$500 |
| Balance $1,000 to $14,999.99 |
0.45% |
$500 |
| Balance $15,000 to $74,999.99 |
0.70% |
$500 |
| Balance $75,000 to $149,999.99 |
0.90% |
$500 |
| 1-2-3 Rewards Checking |
Standard APY |
Qualified APY1 |
Minimum Opening Balance |
| Daily balance $0 to $999.99 |
0.10% |
0.25% |
$500 |
| Daily balance $1,000 to $14,999.99 |
0.10% |
0.65% |
$500 |
| Daily balance $15,000 to $25,000 |
0.10% |
0.90%
|
$500 |
| Daily balance $25,000.01 and above |
0.10% |
0.20%2 |
$500 |
| Superior Savings Money Market |
APY |
Minimum Opening Balance |
| Balance $0 to $49,999.99 |
0.25% |
$5,000 |
| Balance $50,000 to $99,999.99 |
0.50% |
$5,000 |
| Balance $100,000.00 to $199,999.99 |
0.75% |
$5,000 |
| Balance $200,000 and over |
1.00% |
$5,000 |
| Premium Savings Money Market |
APY |
Minimum Opening Balance |
| Balance $0 to $249,999.99 |
0.00% |
$50,000 |
| Balance $250,000 to $499,999.99 |
1.51% |
$50,000 |
| Balance $500,000.00 to $999,999.99 |
1.76% |
$50,000 |
| Balance $1,000,000 and over |
2.02% |
$50,000 |
| Certificates of Deposit (CD) |
APY |
Minimum Opening Balance |
| 91 Day |
3.03% |
$500 |
| 182 Day |
4.04% |
$500 |
| 9 Month |
2.51% |
$500 |
| 12 Month |
2.78% |
$500 |
| 15 Month |
2.88% |
$500 |
| 18 Month |
1.91% |
$500 |
| 24 Month |
1.51% |
$500 |
| 30 Month |
1.76% |
$500 |
| 36 Month |
1.81% |
$500 |
| 45 Month |
2.01% |
$500 |
| 48 Month |
2.27% |
$500 |
| 60 Month |
1.25% |
$500 |
1123 Rewards checking account must qualify each month to earn the qualified interest reward. To qualify the following transactions must post to the account during the qualification cycle: A. total of $1,000 in direct deposit(s) B. 15 or more debit card transactions that are for a purchase amount of at least $15 each. Qualifying debit card transactions must post and clear the account during the monthly qualification cycle which may take one or more business days to clear from the date the transaction is made. C. One electronic ACH debit. Qualification cycle means a period beginning the first day of the current statement cycle through the last business day of the current statement cycle. If transaction requirements are not meet, the account will earn the standard interest rate. 2 Balances above $25,000 will earn the standard 0.20% APY.
