Union Bank
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Deposit Interest Rates

We offer a variety of checking and savings accounts to suit your needs. All accounts come with the personal and convenient services you’d expect from your local community bank. To open a new account please visit or call any of our branch locations.


Rates effective as of 1/25/2023

Certificates of Deposit and IRAs***

Account TermAnnual Percentage YieldInterest RateOpening Deposit: CDsOpening Deposit: IRAs
6–11 Month0.40%0.40%1,000500
9 Month CD Special3.30%3.25%25,00025,000
12–17 Month0.50%0.50%500500
18–23 Month0.55%0.55%500500
24–35 Month0.60%0.60%500500
36–47 Month0.65%0.65%500500
48–59 Month0.75%0.75%500500
60 Month1.00%1.00%500500
Save for Success CD—36 Month0.65%0.65%100n/a

Jumbo Certificates of Deposit and IRAs***

Account TermAnnual Percentage YieldInterest RateOpening Deposit: CDsOpening Deposit: IRAs
183–364 Day0.40%0.40%100,000100,000
9 Month Special3.30%3.25%25,00025,000
12–17 Month0.50%0.50%100,000100,000
18–23 Month0.55%0.55%100,000100,000
24–35 Month0.60%0.60%100,000100,000
36–47 Month0.65%0.65%100,000100,000
48–59 Month0.75%0.75%100,000100,000
60 Month1.00%1.00%100,000100,000

CDARS Certificates of Deposit & IRAs

Account TermAnnual Percentage YieldInterest RateOpening Deposit: CDsOpening Deposit: IRAs
4 weekNot Currently Offeringn/a250,000n/a
13 weekNot Currently Offeringn/a250,000n/a
26 week0.25%0.25%250,000250,000
52 week0.35%0.35%250,000250,000
104 week (~2 year)0.45%0.45%250,000250,000
156 week (~3 year)0.50%0.50%250,000250,000

Other Accounts

*Save for Success

Annual Percentage YieldInterest RateOpening Deposit
0.05%0.05%1.00+

*Passbook Savings

Annual Percentage YieldInterest RateOpening Deposit
0.02%0.02%25–99,999
0.05%0.05%100,000-499,999
0.10%0.10%500,000 +

*Statement Savings

Annual Percentage YieldInterest RateOpening Deposit
0.02%0.02%25–99,999
0.05%0.05%100,000-499,999
0.10%0.10%500,000+

Holiday Club

Annual Percentage YieldInterest RateOpening Deposit
0.10%0.10%5+

Holiday Club with Coupon Book

Annual Percentage YieldInterest RateOpening Deposit
0.00%0.00%5+

*UB 55, Business Checking with Interest, Checking with Interest

Annual Percentage YieldInterest RateOpening Deposit
0.00%0.00%0–999
0.05%0.05%1000–249,999
0.10%0.10%250,000+

Basic Advantage, Advantage Checking & Advantage Checking Plus

Annual Percentage YieldInterest RateOpening Deposit
0.00%0.00%0–999
0.05%0.05%1,000–249,999
0.15%0.15%250,000+

HSA Checking

Annual Percentage YieldInterest RateOpening Deposit
0.00%0.00%0 to 999
0.05%0.05%1,000–249,999
0.10%0.10%250,000+

Municipal Checking with Interest

Annual Percentage YieldInterest RateOpening Deposit
0.15%0.15%750+

IOLTA / IORTA Accounts

Annual Percentage YieldInterest RateOpening Deposit
0.00%0.00%0–9,999
0.02%0.02%10,000–49,999
0.05%0.05%50,000-99,999
0.10%0.10%100,000+

*Money Market

Annual Percentage YieldInterest RateOpening Deposit
0.00%0.00%0–999
0.10%0.10%1,000-9,999
0.15%0.15%10,000-49,999
0.25%0.25%50,000–99,999
0.35%0.35%100,000–249,999
0.45%0.45%250,000–499,999
0.55%0.55%500,000+

Please contact a Union Bank Personal Banker for current information concerning terms and conditions.