Your needs and preferences:

• You want a guaranteed, rewarding return on your investment.
  
  
• A secure, safe investment is important.
• You will like the flexibility of selecting the length of time of your investment.
  
  

Account Details

• A choice of terms ranging from 3 months to 5 years.
• Many CDs may be opened with $1,000.
• A higher interest rate may be paid with $25,000 or more.
• Interest may be added to the CD quarterly or at maturity (some restrictions may apply).
• Interest may be paid by check or credited to another account monthly, quarterly, or at CD maturity (some restrictions may apply).
• Early withdrawals may be assessed a penalty.
  
  

CDARS Program

The Certificate of Deposit Account Registry Service, or CDARS, allows you to place large cash deposits quickly and confidentially through Union Bank into CDs issued by multiple financial institutions and be eligible for full FDIC insurance. All financial institutions are FDIC insured.

Depositors with more than $100,000 can enjoy the following benefits:

• The safety of FDIC insurance for large deposits. Union Bank places your funds through CDARS, with deposits over $100,000 divided into smaller CDs at multiple FDIC insured financial institutions. This permits the full amount, up to $30 million, to be eligible for FDIC insurance.

• CD interest rates. You will receive a very competitive interest rate for the CD maturity period you’ve selected. Rates may compare favorably with those of other high-quality, fixed–income investments.

• Management convenience. You can manage all of your CD investments through one relationship.

• The security of working with a trusted, local source. When you make a deposit through CDARS, you deal only with the people you know and trust at Union Bank. You receive a single, consolidated, monthly statement summarizing your deposits. And your private financial information is protected and secure.

Please contact us or request info if we can explain anything further or to open an account.