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.
Personal Deposit Rates
The following Personal Deposit account rates are effective as of November 18, 2024.
9 Month New Money CD Special
Make the most of your hard-earned cash this holiday season. Open a Certificate of Deposit during our limited-time new money special and watch your savings grow with an impressive 4.27% *APY! At Union Bank, you can invest with confidence and be one step closer to achieving your financial goals.
*Annual Percentage Yield accurate as of 11/18/2024. $500 minimum deposit to open and earn APY. Fees may reduce earnings. Penalty may be imposed for early withdrawal. Following the conclusion of the 9 Month Special CD promotional period, the account will be renewed with Union Bank's standard 9 Month CD if you do not withdraw the funds prior to expiration of the grace period. This is a limited time promotional offer, ending 12/18/2024 and subject to change at any time without notice. Offer available to new money only.
| 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 | 0.00% | $5,000 |
| Balance $50,000 to $99,999.99 | 0.25% | $5,000 |
| Balance $100,000.00 to $199,999.99 | 0.50% | $5,000 |
| Balance $200,000 and over | 0.75% | $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 | 1.26% | $50,000 |
| Balance $500,000.00 to $999,999.99 | 1.51% | $50,000 |
| Balance $1,000,000 and over | 1.76% | $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 |
| 9 Month - New Money CD Special | 4.27% | $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 |