financial and business documents, reading glasses, calculator

Personal CDs & Rates

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 1.26% $100.00
Balance $250,000 to $499,999.99 1.76% $100.00
Balance $500,000 to $999,999.99
2.27% $100.00
Balance $1,000,000 and above 2.78% $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 4.06% $500.00
182 Day 3.63% $500.00
9 Month 2.26% $500.00
12 Month 2.01% $500.00
15 Month 1.91% $500.00
18 Month 1.51% $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