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Union Bank

Personal Deposit Rates


The following Personal Deposit account rates are effective as of:  
February 12, 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. 

Visit our checking and savings pages for terms and conditions.

Life Savings APY Minimum Opening Balance
Balance of $0 to $199.99 0.05% $50
Balance $200 to $2,499.99 0.08% $50
Balance $2,500 to $24,999.99 0.15% $50
Balance $25,000 and over 0.20% $50
Christmas Club Electronic 0.25% $1
Christmas Club Coupon Book 0.15% $1
Universal Premium Checking                        APY              Minimum Opening Balance
Balance $0 to $999.99 0.25%          $500
Balance $1,000 to $14,999.99 0.50% $500
Balance $15,000 to $74,999.99 0.75% $500
Balance $75,000 to $149,999.99 1.00% $500
1-2-3 Rewards Checking  Standard APY Qualified APY1 Minimum Opening Balance
Daily balance $0 to $999.99 0.03% 0.05% $500
Daily balance $1,000 to $14,999.99 0.03% 1.51% $500
Daily balance $15,000 to $25,000 0.03%
2.02%
$500
Daily balance $25,000.01 and above 0.03% 0.03%2 $500
Superior Savings Money Market                                                       APY Minimum Opening Balance
Balance $0 to $49,999.99 0.45% $5,000
Balance $50,000 to $99,999.99 0.75% $5,000
Balance $100,000.00 to $199,999.99 0.95% $5,000
Balance $200,000 and over 1.10% $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 3.04% $50,000
Balance $500,000.00 to $999,999.99 3.30% $50,000
Balance $1,000,000 and over 3.56% $50,000
Certificates of Deposit (CD) APY Minimum Opening Balance
91 Day 4.83% $500
182 Day 5.06% $500
9 Month 3.51% $500
12 Month 3.80% $500
15 Month 4.06% $500
18 Month 1.91% $500
24 Month 1.56% $500
30 Month 1.56% $500
36 Month  1.81% $500
45 Month 1.91% $500
48 Month 2.37% $500
60 Month 2.62% $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: 1. total of $1,000 in direct deposit(s) 2. 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. 3. 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. Balances above $25,000 will earn the standard 0.03% APY. 


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