Effective as of March 26, 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) | 0.60% | 0.70% |
|
6 months |
0.95% | 1.05% |
| 9 months | 1.00% | 1.10% |
| 10 months | 1.00% | 1.10% |
| 11 months | 1.00% | 1.10% |
|
12 months |
1.00% | 1.10% |
| 13 months | 1.00% | 1.10% |
| 15 months | 1.00% | 1.10% |
| 15 months Access** (CD only) | 0.95% | $10,000 min to open (new money) |
| 16 months | 1.05% | 1.15% |
| 17 months | 1.05% | 1.15% |
|
18 months |
1.05% | 1.15% |
| 19 months | 1.05% | 1.15% |
| 20 months | 1.10% | 1.21% |
| 22 months | 1.10% | 1.21% |
| 24 months Open Online |
1.15% | 1.26% |
| 27 months | 1.15% | 1.26% |
| 30 months | 1.15% | 1.26% |
| 36 months Open Online |
1.21% | 1.31% |
| 48 months Open Online |
1.26% | 1.36% |
| 60 months Open Online |
1.26% | 1.36% |
Variable Rate Individual Retirement Accounts |
||
| 18 month Variable*** | 1.00% | 1.11% |
*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.
**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.
Effective as of March 26, 2020
Checking account rates
Bonus Checking(when activity requirements met)** |
||
| Balance | Interest Rate | APY* |
| $0.01 to $100,000 | 0.90% | 0.90% |
| Over $100,000 | 0.10% | 0.10% |
Bonus Checking(when activity requirements not met)** |
||
| Balance | Interest Rate | APY* |
| $0.01 or more | 0.05% | 0.05% |
Journey Checking |
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| Balance | Interest Rate | APY* |
| $100 to $4,999.99 | 0.05% | 0.05% |
| $5,000 to $9,999.99 | 0.05% | 0.05% |
| $10,000 to $24,999.99 | 0.05% | 0.05% |
| $25,000 and 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.
**Statement cycle activity requirements: 12 debit card purchases posted (excludes ATM transactions), receive e-Statements via online banking (requires ongoing valid email address), access online banking, direct deposit posted.
Effective as of March 26, 2020
Money market and savings rates
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 | 0.30% | 0.30% | |||
Union Money Fund$50 minimum to open |
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| 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$25 minimum to open |
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| Balance | Interest Rate | APY* | ||
| $0.01 or more | 0.05% | 0.05% | ||
MyStyle Savings Account$25 minimum to open |
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| Balance | Interest Rate | APY* | ||
| $0.01 or more | 0.20% | 0.20% | ||
*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.
Effective as of March 26, 2020
Health savings account rates
| Balance | Interest Rate | APY* |
|---|---|---|
| Less than $2,500 | 0.05% | 0.05% |
| $2,500 to $9,999.99 | 0.15% | 0.15% |
| $10,000 to $24,999.99 | 0.30% | 0.30% |
| $25,000 and over | 0.50% | 0.50% |
*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.