13 Month Flex Rate CD
Earn 3.89% & Increase If Rates Rise.
ADD MORE, EARN MORE WITH OUR FLEX RATE CD. IF RATES RISE, YOURS CAN TOO!
Lock in a great rate. Keep the flexibility to grow.
Most CD’s ask you to make one deposit and leave it alone until maturity. Our Flex Rate CD is different. Earn 3.89% APY for 13 months* while maintaining the flexibility to continue building your savings along the way.
With a Flex Rate CD, you can:
- Add funds throughout the term, so your savings can keep growing
- Take advantage of a one-time rate increase if Union Bank’s 1-year CD rate rises**
- Open with as little as $1,000
Whether you’re saving for a future goal, building a financial cushion, or simply make the most of today’s rates, Flex Rate gives you the confidence of a CD with the flexibility traditional CDs don’t offer.
Unlock an even higher rate!
Advantage Checking customers qualify for our exclusive Advantage Bump, helping you earn even more on your Flex Rate CD.***
Not an Advantage Checking customer yet? Open an account today and qualify for the Advantage Bump when you open your Flex Rate CD.
*Annual Percentage Yield (APY) of 3.89% accurate as of 9/1/2026 and available for the original 13-month Flex Rate CD term. Interest compounded daily. Minimum $1,000 to open and obtain APY. Certificates of Deposit and IRA’s may be subject to penalty for early withdrawal. Please contact us for details.
***Current Union Bank Advantage Checking customers are entitled to a 4.00% APY and 3.92% interest rate.
**Additional Terms: Bump Rate Feature: During the original 13-month term, the account owner may request one (1) interest rate increase. To exercise this option, the account owner must contact the Bank and request the increase before the maturity date. The request may be made through any method authorized by the Bank. Upon request, the interest rate on this account will be increased to the interest rate then being offered on the Bank’s standard 12-month (1 Year) Certificate of Deposit, provided the current 1 Year Certificate rate is higher than the interest rate currently being paid on this account. The increased rate will become effective on the date the request is processed and will remain in effect for the remainder of the original term. Only one (1) bump request is permitted during the original term of the certificate. Rate decreases will not occur under this feature. The account owner is responsible for requesting the rate increase. The Bank is not required to notify the account owner when the current 1 Year Certificate of Deposit rate exceeds the rate being paid on this account. Failure to request the rate increase will not result in an automatic rate adjustment. Additional Deposits: Additional deposits are permitted at any time during the original 13-month term.
Renewal: At maturity, the Flex Rate CD will automatically renew into the Bank’s standard 12-month Certificate of Deposit at the rate and APY then in effect. Flex Rate features, including the one-time rate increase option and ability to make additional deposits, are not available after renewal.