The following Personal Deposit account rates are effective as of February 3, 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. A penalty may be imposed for early withdrawal of principal for CDs.
| UB Youth Savings |
APY |
Minimum Opening Balance |
| Balance $0 to $1,999.99 |
0.01% |
$5 |
| Balance $2,000 to $4,999.99 |
0.05% |
$5 |
| Balance $5,000 and over |
0.10% |
$5 |
| Universal Savings |
APY |
Minimum Opening Balance |
| Balance of $0 to $24,999.99 |
0.05% |
$50 |
| Balance $25,000 to $199,999.99 |
0.10% |
$50 |
| Balance $200,000 to $999,999.99 |
0.15% |
$50 |
| Balance $1,000,000 and over |
0.20% |
$50 |
| Universal Money Market |
APY |
Minimum Opening Balance |
| Balance $0 to $249,999.99 |
0.25% |
$100 |
| Balance $250,000 to $499,999.99 |
0.50% |
$100 |
| Balance $500,000.00 to $999,999.99 |
0.75% |
$100 |
| Balance $1,000,000 and over |
1.00% |
$100 |
| Christmas Club |
APY |
Minimum Opening Balance |
| Christmas Club Coupon Book |
0.05% |
$1 |
| Christmas Club Electronic |
0.10% |
$1 |
| Universal Premium Checking |
APY |
Minimum Opening Balance |
| Balance $0 to $24,999.99 |
0.10% |
$50 |
| Balance $25,000 to $199,999.99 |
0.15% |
$50 |
| Balance $200,000 to $999,999.99 |
0.20% |
$50 |
| Balance $1,000,000 and over |
0.25% |
$50 |
| 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
|
