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Personal CDs & Rates

Personal Deposit Rates

The following Personal Deposit account rates are effective as of April 7, 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

4.32% APY

182 day cd

4.04% APY

9 Month

2.51% APY

12 Month

4.06% *APY


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 0.25% $100.00
Balance $250,000 to $499,999.99 0.50% $100.00
Balance $500,000 to $999,999.99
 0.75% $100.00
Balance $1,000,000 and above 1.00% $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.
*NOTE: Penalty for early withdrawal on Certificates of Deposit. Minimum $500 deposit to open a new account.

Duration APY Minimum Opening Balance
91 Day 4.32% $500.00
182 Day 4.04% $500.00
9 Month 2.51% $500.00
12 Month 4.06%* $500.00
15 Month 2.88% $500.00
18 Month 1.91% $500.00
24 Month 1.51% $500.00
30 Month 1.76% $500.00
36 Month 1.81% $500.00
45 Month 2.01% $500.00
48 Month 2.27% $500.00
60 Month 1.25% $500.00
 




*Annual Percentage Yield accurate as of 4/07/2025. $500 minimum deposit to open and earn APY. Fees may reduce earnings. Penalty may be imposed for early withdrawal. Following the conclusion of the 12 Month Special CD promotional period, the account will be renewed with Union Bank's standard 12 Month CD if you do not withdraw the funds prior to expiration of the grace period. This is a limited time promotional offer, ending 5/30/2025 and subject to change at any time without notice.