Union Bank Cd Rates

Posted on 08-03-2021 by admin

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Guaranteed rates: See more of the green

The CD rates from Union Bank are not competitive. The only exception is that some CD terms offer an interest rate of 0.20% if you make an initial deposit of $10,000 or more. If you can afford that initial deposit, Union Bank is worth considering. Otherwise, you should consider another bank.
The current interest rate provided below was based on the CD product for a range between 12 to 17 months with a minimum opening deposit of $350 required. Please note that this was calculated for the state of California, please note that variations may occur in other states. The rate of 0.15% is 1.05% lower than the average 1.2%.
With our 10 Month CD, you'll know exactly how much you'll earn over a fixed term. Better rates available for Platinum and Platinum Plus Checking customers. This 25-Month CD allows for a longer period of investment with the same fixed rate and peace of mind over a fixed term. Better rates available for Platinum and Platinum Plus Checking customers.

Earn 0.50% APY* with our 16-month CD on balances $1,000 to $24,999.99. Check out our other promotional CDs below and our full listing at the bottom of the page to select the rates and terms that suit you best.

Union Bank and Trust CD Review: 3.14% APY 27-Month CD Rate Special (CO, IA, KS, MO, NE & SD) First Republic Bank CD Account Review: 1.75% APY 13-Month CD Special (CA, CT, FL, OR, MA & NY).YMMV. EH National Bank CD Review: 3 to 60 month CD Rates.

0.35% APY* on a 9 month CD for balances over $25,000

0.60% APY* on a 16 month CD for balances over $25,000

0.75% APY* on a 27 month CD for balances over $25,000

0.90% APY * on a 60 month CD for balances over $25,000

CD & IRA Specials	Effective as of December 24, 2020
$1000 minimum to open
Term	$1000 - $24,999.99 APY*	$25,000.00 and over APY*
12 month	0.45%	0.55%
16 month	0.50%	0.60%
27 month	0.65%	0.75%
60 month	0.80%	0.90%

*The Annual Percentage Yield (APY) is based on quarterly compounding. Unless otherwise noted, you must maintain a minimum balance of $1,000 to open the account and obtain the APY. Penalty for early withdrawal, which may reduce earnings.

Open a CD Online

15-Month Access CD

Get 0.50% APY* on new money to UBT

If rates rise or you just need to access your money, you can do it as often as once a week. Only new money to UBT eligible with a $10,000 minimum to open.

*Annual Percentage Yield (APY) is based on quarterly compounding. $10,000 minimum initial deposit with $1,000 minimum balance required. Minimum withdrawal of $1,000. Withdrawals may be made without penalty every 7 days. Withdrawals made within 6 days of opening or following a withdrawal will be assessed a penalty, which may reduce earnings. Not available for Public Funds.

Effective as of December 24, 2020

Rates for certificates of deposit & individual retirement accounts (IRAs)

TERM	$1,000-$24,999.99 APY*	$25,000 & OVER APY*
3 months (CD only)	0.15%	0.25%
6 months Open Online	0.20%	0.30%
9 months	0.25%	0.35%
10 months	0.30%	0.40%
11 months	0.40%	0.50%
12 months Open Online	0.45%	0.55%
13 months	0.45%	0.55%
15 months	0.50%	0.60%
15 months Access** (CD only)	0.50%	$10,000 min to open (new money)
16 months	0.50%	0.60%
17 months	0.50%	0.60%
18 months	0.50%	0.60%
19 months	0.55%	0.65%
20 months	0.60%	0.70%
22 months	0.65%	0.75%
24 months Open Online	0.65%	0.75%
27 months	0.65%	0.75%
30 months	0.75%	0.85%
36 months	0.80%	0.90%
48 months Open Online	0.80%	0.90%
60 months Open Online	0.80%	0.90%
Variable Rate Individual Retirement Accounts
18 month Variable***	0.55%	0.65%

**The Access CD offers a guaranteed annual percentage yield with the flexibility of penalty free withdrawals. Withdrawals made during the 6 days after opening or 6 days after each subsequent withdrawal will be assessed a penalty, which may reduce earnings. Requires $10,000 minimum to open

***Variable Rate IRA rate is subject to change after the account is opened. No minimum balance required to open account or obtain APY.

CDARS Program

Make large cash deposits quickly and confidentially

If you have more than $250,000 to invest and you want it insured under the FDIC, CDARS (the Certificate of Deposit Account Registry Service) can help.

Make a large deposit quickly and confidentially through UBT
Enjoy full FDIC insurance, up to $30 million
Work directly with UBT as your one trusted contact for your investments

COVID-19 Relief

We know things are still rocky. We’re here to help our customers avoid further financial hardship. Please contact us to discuss your situation further.

We will send a maturity notice by mail two weeks prior to maturity.

The grace period on a Certificate of Deposit is the maturity date plus 10 calendar days.

CDs offer a few advantages.