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Personal CDs & Rates

The following Personal Deposit account rates are effective as of December 22, 2025.


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. 
 
Visit our personal checking and personal savings pages for terms and conditions.
 
91 Day CD
 

3.03% APY


182 Day CD
 

3.28% APY

7 Month NEW Money CD Special
 

4.03% APY

Take the first step toward achieving your financial goals. Click below to open your checking, savings or CD account quickly and securely.
 
Balance APY Minimum Opening Balance
Balance of $0 to $1,999.99 0.01% $5.00
Balance $2,000 to $4,999.99 0.05% $5.00
Balance $5,000 and over 0.10% $5.00
Balance APY Minimum Opening Balance
Balance of $0 to $24,999.99  0.05% $50.00
Balance $25,000 to $199,999.99  0.10% $50.00
Balance $200,000 to $999,999.99  0.15% $50.00
Balance $1,000,000 and over  0.20% $50.00
Balancing APY Minimum Opening Balance
Balance $0 to $249,999.99 1.00% $100.00
Balance $250,000 to $499,999.99 1.51% $100.00
Balance $500,000 to $999,999.99
 2.02% $100.00
Balance $1,000,000 and above 2.53% $100.00
 
Balance APY Minimum Opening Balance
Christmas Club Coupon Book 0.05 % $1.00
Christmas Club Electronic 0.10% $1.00
Balance APY Minimum Opening Balance
Balance $0 to $24,999.99  0.10% $50.00
Balance $25,000 to $199,999.99  0.15% $50.00
Balance $200,000 to $999,999.99  0.20% $50.00
Balance $1,000,000 and over  0.25% $50.00
  • Maximize your earnings in time frames that will meet your cash flow requirements.
  • Minimum opening deposit of $500.00 required. Maturity terms range from 91 days to 5 years.
  • Additional deposits not accepted during the term. The certificate may be increased at the time of maturity or renewal.
  • Interest rates determined by Union Bank. Your certificate will renew for the same term, at the interest rate in effect at the time of maturity, if you do not redeem it.
  • Interest earned may be added back to the certificate, paid by check or deposited in a checking or savings account.
  • There is a 10–day grace period after the maturity date in which withdrawals or deposits can be made. Withdrawals made after the 10th day will be assessed a penalty.
  • Certificates of Deposit opened online do not qualify for Class Act Club special interest rate increases. 
*NOTE: Penalty for early withdrawal on Certificates of Deposit. Minimum $500 deposit to open a new account.

Duration APY Minimum Opening Balance
91 Day 3.03% $500.00
182 Day 3.28% $500.00
7 Month New Money Special 4.03% $500.00
9 Month 2.26% $500.00
12 Month 2.01% $500.00
15 Month 1.00% $500.00
18 Month 1.00% $500.00
24 Month 1.00% $500.00
30 Month 1.00% $500.00
36 Month 1.00% $500.00
45 Month 1.00% $500.00
48 Month 1.00% $500.00
60 Month 1.25% $500.00
 




*Annual Percentage Yield accurate as of 12/22/2025. $500 minimum deposit to open and earn APY. Fees may reduce earnings.
Penalty may be imposed for early withdrawal. Following the conclusion of the 7-Month New Money CD Special promotional
period, the account will be renewed with Union Bank's standard 182 Day CD if you do not withdraw the funds prior to expiration
of the grace period. This is a limited time promotional offer, ending 2/27/2026 and subject to change at any time without notice.
Offer available to new money only.