Updated on September 23, 2021
Rates for certificates of deposit & individual retirement accounts (IRAs)
| TERM | $1,000-$24,999.99 APY* | $25,000 & OVER APY* |
|---|---|---|
|
6 months |
0.15% | 0.25% |
| 9 months | 0.15% | 0.25% |
| 10 months | 0.20% | 0.30% |
| 11 months | 0.25% | 0.35% |
|
12 months |
0.25% | 0.35% |
| 13 months | 0.25% | 0.35% |
| 15 months | 0.30% | 0.40% |
| 15 months Access** (CD only) | 0.40% | $10,000 min to open (new money) |
| 16 months | 0.30% | 0.40% |
| 17 months | 0.35% | 0.45% |
|
18 months |
0.35% | 0.45% |
| 19 months | 0.40% | 0.50% |
| 20 months | 0.40% | 0.50% |
| 22 months | 0.40% | 0.50% |
| 24 months Open Online |
0.45% | 0.55% |
| 27 months | 0.45% | 0.55% |
| 30 months | 0.50% | 0.60% |
| 36 months | 0.60% | 0.70% |
| 48 months Open Online |
0.60% | 0.70% |
| 60 months Open Online |
0.60% | 0.70% |
Variable Rate Individual Retirement Accounts |
||
| 18 month Variable*** | 0.40% | 0.50% |
*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.
Offer Ending Soon
Act fast to get up to $200†
If you don’t have both checking and savings accounts with UBT, now’s your chance to make the switch and earn a cash reward — but only if you act by 9/30/21. Here’s how it works:
- Get up to $150† when you open a new checking account and meet requirements
- Get a $50† bonus when you open a new Simply Savings account and meet requirements
That’s up to $200† for bringing it all together at UBT. Plus, you can enjoy all the benefits of working with a family-owned bank that cares about our customers, the communities we serve, and each other. But hurry — this offer ends soon!
Effective as of April 22, 2021
Checking account rates
Simply Free Plus checking$1000 minimum to open |
||
| Balance | Interest Rate | APY* |
| $0.01 to $100,000 | 0.70% | 0.70% |
| Over $100,000 | 0.10% | 0.10% |
Simply Free Plus checking $1000 minimum to open |
||
| Balance | Interest Rate | APY* |
| $0.01 or more | 0.05% | 0.05% |
Simply Free Platinum checking |
||
| 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 $1000 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 April 22, 2021
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 | 0.20% | 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. | ||||
Simply Savings account$25 minimum to open |
||||
| Balance | Interest Rate | APY* | ||
| $0.01 or more | 0.05% | 0.05% | ||
Simply Savings Student account$25 minimum to open |
||||
| 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 April 22, 2021
Health savings account rates
| Balance | Interest Rate | APY* |
|---|---|---|
| Less than $2,500 | 0.05% | 0.05% |
| $2,500 to $9,999.99 | 0.10% | 0.10% |
| $10,000 to $24,999.99 | 0.20% | 0.20% |
| $25,000 and over | 0.40% | 0.40% |
*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.
†Checking offer not valid for primary accountholder on existing UBT personal checking account(s). Savings offer not valid for primary accountholder on existing Simply Savings or Simply Savings Student account(s). Offer not valid if existing checking or savings accounts closed 120 days prior to 06/01/2021. Receive $50 when you open a Simply Free Checking account and have $500 in electronic direct deposits posted within 90 calendar days of account opening. Receive $150 when you open an interest-earning checking account (Simply Free Plus, Simply Free Platinum, or Premium Interest Advantage) and have $2,500 in electronic direct deposits posted within 90 calendar days of account opening. Receive $50 when you open a Simply Savings account and maintain a $2,500 balance for 90 calendar days from account opening. Bonus is credited to your active account within 100 days of account opening if you meet requirements. $50 opening deposit required on checking accounts (Simply Free Plus requires a $1,000 opening deposit). Simply Savings requires a $2,500 opening deposit in new money. Various Annual Percentage Yields (APYs) offered for interest-earning checking accounts based on the account and balance maintained. For example, Simply Free Platinum requires a $100 minimum daily balance to earn .05% APY. Simply Savings earns .05% APY. APYs accurate as of 06/01/2021. Fees may reduce earnings; rates subject to change. Promotion offers limited to one new checking account and one new savings account per person and cannot be combined with other offers. Simply Free Platinum accounts are designed for people age 50 and over. Premium Interest Advantage is limited to residents of Douglas, Sarpy, and Washington counties in Nebraska. Promotions available 06/01/2021 to 09/30/2021.