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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 10/09/2019

Certificates of Deposit and IRAs***

Account TermAnnual Percentage YieldInterest RateOpening Deposit: CDsOpening Deposit: IRAs
6–11 Month0.15%0.15%1,000500
12–17 Month0.30%0.30%500500
12 Month Flex CD—Variable (Tied to 1 year T-bill, Rate Good through 10/31/19)0.36%0.36%10,000 to 49,999n/a
12 Month Flex CD—Variable (Tied to 1 year T-bill, Rate Good through 10/31/19)0.86%0.86%50,000 to 99,999n/a
18–23 Month0.35%0.35%500500
24–35 Month0.45%0.45%500500
36–47 Month0.65%0.65%500500
48–59 Month1.14%1.13%500500
60 Month1.28%1.27%500500
Save for Success CD—36 Month0.60%0.60%100n/a

Jumbo Certificates of Deposit and IRAs***

Account TermAnnual Percentage YieldInterest RateOpening Deposit: CDsOpening Deposit: IRAs
183–364 Day0.25%0.25%100,000100,000
12–17 Month0.40%0.40%100,000100,000
12 Month Flex CD—Variable (Tied to 1 year T-bill, Rate Good through 10/31/19)1.12%1.12%100,000n/a
18–23 Month0.45%0.45%100,000100,000
24–35 Month0.55%0.55%100,000100,000
36–47 Month0.70%0.70%100,000100,000
48–59 Month1.14%1.13%100,000100,000
60 Month1.28%1.27%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 week0.10%0.10%250,000250,000
52 week0.25%0.25%250,000250,000
104 week (~2 year)0.45%0.45%250,000250,000
156 week (~3 year)0.75%0.75%250,000250,000

Other Accounts

*Save for Success

Annual Percentage YieldInterest RateOpening Deposit
0.10%0.10%1.00+

*Passbook Savings

Annual Percentage YieldInterest RateOpening Deposit
0.10%0.10%25–49,999
0.20%0.20%50,000+

*Statement Savings

Annual Percentage YieldInterest RateOpening Deposit
0.10%0.10%25–49,999
0.20%0.20%50,000+

Holiday Club

Annual Percentage YieldInterest RateOpening Deposit
0.10%0.10%5+

Holiday Club with Coupon Book

Annual Percentage YieldInterest RateOpening Deposit
0.05%0.05%5+

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

Annual Percentage YieldInterest RateOpening Deposit
0.00%0.00%0–299
0.02%0.02%300–4,999
0.05%0.05%5,000+

Basic Advantage, Advantage Checking & Advantage Checking Plus

Annual Percentage YieldInterest RateOpening Deposit
0.00%0.00%0–299
0.05%0.05%300–4,999
0.10%0.10%5,000+

HSA Checking

Annual Percentage YieldInterest RateOpening Deposit
0.00%0.00%0 to 499
0.05%0.05%300–4,999
0.15%0.15%5,000–9,999
0.20%0.20%10,000–24,999
0.25%0.25%25,000+

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%0–499
0.05%0.05%500–9,999
0.10%0.10%10,000–49,999
0.20%0.20%50,000–99,999
0.30%0.30%100,000–499,999
0.35%0.35%500,000+

*Money Market

Annual Percentage YieldInterest RateOpening Deposit
0.00%0.00%0–499
0.05%0.05%500–9,999
0.10%0.10%10,000–49,999
0.15%0.15%50,000–99,999
0.30%0.30%100,000–249,999
0 35%0.35%250,000–499,999
0.45%0.45%500,000+

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