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Video: FDIC Insurance

Certificate of Deposit Rates Individual Retirement Account Rates Money Market & Savings Rates Health Savings Account Checking Account Rates	Brokered deposits not accepted.
For deposit rates in Omaha, Nebraska please call (402) 827-1999. In Bonner Springs, Kansas please call (913) 667-8600.

Rates for Certificates of Deposit and Individual Retirement Accounts (IRA)		Effective as of May 22, 2013
Minimum to open: $1,000 10-Month Access Minimum to Open: $10,000
Other Terms Available
TERM	$1,000-$24,999.99 APY*	$25,000 & OVER APY*
3 months	0.05%	0.15%
6 months	0.15%	0.25%
9 months	0.20%	0.30%
10 months	0.20%	0.30%
12 months	0.20%	0.30%
13 months	0.20%	0.30%
15 months	0.20%	0.30%
16 months	0.20%	0.30%
18 months	0.35%	0.45%
19 months	0.40%	0.50%
20 months	0.45%	0.55%
24 months	0.50%	0.60%
25 months	0.50%	0.60%
30 months	0.55%	0.65%
36 months	0.65%	0.75%
48 months	0.85%	0.95%
60 months	1.05%	1.15%
10 month Access** CD Only	0.15%	0.15%
*The Annual Percentage Yield (APY) is based on quarterly compounding. Unless otherwise noted, you must maintain a minimum balance of $1,000 to obtain the APY. Special restrictions may apply. Penalty for early withdrawal. Member FDIC.
**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.
Call 800-297-2837, or in Lincoln, 323-1777, for more information.

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Variable Rate Individual Retirement Accounts		Effective as of May 22, 2013
TERM	$1,000-$24,999.99 APY*	$25,000 & OVER APY*
18 month Variable**	0.35%	0.45%
No minimum balance required to open account or obtain APY.
*The Annual Percentage Yield (APY) is based on quarterly compounding. Rates subject to change at any time. Special restrictions may apply. Penalty for early withdrawal. Member FDIC.
**Variable Rate IRA rate is subject to change after the account is opened.
Call 800-297-2837, or in Lincoln, 323-1777, for more information.

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Money Market & Savings Rates		Effective as of May 22, 2013
Value Edge Money Market Account
$10,000 minimum to open
BALANCE	INTEREST RATE	APY*
Less than $10,000	0.05%	0.05%
$10,000 to $49,999.99	0.10%	0.10%
$50,000 to $249,999.99	0.15%	0.15%
$250,000 to $499,999.99	0.20%	0.20%
$500,000 and Over	0.20%	0.20%

Union Money Fund
$50 minimum to open
BALANCE	INTEREST RATE	APY*
$2,500 to $4,999.99	0.05%	0.05%
$5,000 to $24,999.99	0.05%	0.05%
$25,000 to $49,999.99	0.10%	0.10%
$50,000 to $99,999.99	0.15%	0.15%
$100,000 and Over	0.15%	0.15%
You must maintain a daily minimum balance of $2,500 to obtain the APY.

Union Savings Account and MyStyle Savings Account
$25 minimum to open
BALANCE	INTEREST RATE	APY*
$0.01 or more	0.05%	0.05%
*The Annual Percentage Yield (APY) is based on monthly compounding. Rates subject to change at any time. Special restrictions may apply. Fees may reduce earnings. Member FDIC.
Call 800-297-2837, or in Lincoln, 323-1777, for more information.

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Health Savings Account		Effective as of May 22, 2013
$50 minimum to open
BALANCE	INTEREST RATE	APY*
Less than $2,500	0.10%	0.10%
$2,500 to $4,999.99	0.20%	0.20%
$5,000 to $24,999.99	0.30%	0.30%
$25,000 to $49,999.99	0.50%	0.50%
$50,000 to $99,999.99	0.70%	0.70%
$100,000 and Over	0.90%	0.90%
*The Annual Percentage Yield (APY) is based on monthly compounding. Rates subject to change at any time. Special restrictions may apply. Fees may reduce earnings. Member FDIC.
Call 800-297-2837, or in Lincoln, 323-1777, for more information.

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Checking Account Rates		Effective as of May 22, 2013
Bonus Checking (when activity requirements met)**
BALANCE	INTEREST RATE	APY*
$25,000 & under	0.70%	0.70%
Over $25,000	0.20%	0.20%

Bonus Checking (when activity requirements not met)**
BALANCE	INTEREST RATE	APY*
Over $1,500	0.20%	0.20%
You must maintain an average available balance of $1,500 to obtain the APY.
**Monthly Activity Requirements: 12 debit card purchases, receive e-statements, access Online Banking, Direct Deposit.

Interest Advantage Checking Account
BALANCE	INTEREST RATE	APY*
$500-$999.99	0.05%	0.05%
$1,000-$4,999.99	0.05%	0.05%
$5,000-$9,999.99	0.05%	0.05%
$10,000-$19,999.99	0.05%	0.05%
$20,000 & over	0.05%	0.05%
You must maintain a daily minimum balance of $500 to obtain the APY.

50 Plus Checking
BALANCE	INTEREST RATE	APY*
$100 & over	0.05%	0.05%
You must maintain a daily minimum balance of $100 to obtain the APY.

*The Annual Percentage Yield (APY) is based on monthly compounding. Rates subject to change at any time. Special restrictions may apply. Minimum opening balance is $50 unless noted otherwise. Fees may reduce earnings. Member FDIC.
Call 800-297-2837, or in Lincoln, 323-1777, for more information.

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Important Information About Procedures For Opening A New Account—
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you; we may also ask to see your driver’s license or other identifying documents.

FDIC Insurance:
For general information on FDIC Insurance, click here. For an important disclosure regarding deposit insurance on noninterest-bearing transaction accounts, click here.

**Insurance policies are obligations of the issuing insurance company, and are not obligations or deposits of, or guaranteed by any bank and are not FDIC insured. Union Bank makes insurance available through its affiliated company Union Agency Inc.