Current Special Offers

Do more with your money at UBT

Looking for great banking products AND a great deal? Look no further. We’ve put all our best offers right here for you to peruse and choose the right products for your financial needs. Whether you need a checking or savings account, a CD, a home or auto loan, or another product or service from our long list of financial offerings, there’s a lot to love about UBT.

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  • Money Market Offer

    Earn with Confidence, Access with Ease

    Lock in up to 3.45% APY* for 12 months

    Looking for a smart place to put your cash without giving up access? When you or your business opens a Value Edge Money Market account with at least $10,000 in new money, you’ll earn up to 3.45% APY* for 12 months on balances of $10,000 or more (0.71% APY* on balances under $10,000). With six free withdrawals per statement cycle ($25 fee for each additional), you can enjoy some spending flexibility without sacrificing premium interest. Click through to learn more or stop by your nearest branch today to get started! 

    Get the Details
    Details about UBT's MMA promotional rate
  • Simply Free Student Offer

    Simply Free Student Offer

    A right-sized account (and reward!) for students

    For high school- and college-aged kids who need more of a starter account to grow into but still want to earn a reward, check out our Simply Free Student checking account. It has features designed specifically with ages 14-25 in mind to help establish good money management habits right out of the gate. Plus, you can get a $50 bonus** when you open a new account and meet a couple of easy requirements. It’s an account (and bonus) you can feel good about.

    Get Started
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  • Simply Free UNL
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    Simply Free UNL

    An account that’s exclusively for UNL students

    Enjoy all the benefits of free checking with UBT — like instant-issue designer debit cards, no monthly fee, and easy online access — plus exclusive-to-UNL features:

    • $50 bonus (requires paperless statements and 10 point-of-sale transactions)1
    • ATM fee freedom2
    • One “oops” overdraft fee waiver per year3
    • $10 RoundUp credit when requirements are met4

    To open online, you just need your Social Security number and a state-issued ID, driver’s license, or passport. 

    Open Online
  • CD Specials

    CD Specials

    CD rates that fit your financial goals

    Parking your money in a CD is a great way to make your money work for you. We offer numerous CD terms to fit your financial goals. Click below to see your current CD terms and rates.

    See CD Specials
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  • Auto Loan & Checking Account Discount
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    Auto Loan & Checking Account Discount

    Get a better auto rate with a UBT account

    When you set up automatic payments from your UBT checking or savings account, you’ll get 0.50% off the rate sheet on your new auto loan. Don’t have an account with UBT yet? You can open one online in about five minutes — that’s less time than taking your new set of wheels through the car wash!

    Apply For a Loan
    Open an Account

*Offer not valid for primary accountholder on either an existing Value Edge Money Market Account (MMA) or a Value Edge MMA closed within the last 120 days. Open a new Value Edge MMA and receive 3.45% Annual Percentage Yield (APY) on balances of $10,000 or more for 12 months from account opening; balances under $10,000 will earn an APY of 0.71%. After the first 12 months, the standard Value Edge MMA variable interest rate and APY tiers will apply, depending on the daily balance of the account. See current deposit account rates, rates subject to change. Fees may reduce earnings. $10,000 opening deposit required in new money. Promotion available 3/2/2026 to 4/30/2026. Cannot be combined with other offers. Member FDIC.

 

**Simply Free Student account for ages 14-25. (1) $50 deposited to your active account within 70 days of account opening when you meet these two requirements: enroll in paperless statements via online or mobile banking and have 10 debit card purchases posted (excludes ATM transactions) within 60 days of account opening. New checking account customers only. Cannot be combined with other offers. (2) ATM usage fee at non-UBT ATMs waived on first 2 transactions posted per statement cycle (does not waive surcharges some ATM owners may assess.) (3) $10 Credit: New checking account customers only. Requires enrollment in Union Bank's RoundUp Program to an eligible Union Bank savings account within 60 days of checking account opening. $10 will be credited to active checking account within 70 days of account opening if you meet the requirements.

Simply Free UNL account details: For currently enrolled UNL students. (1) $50 deposited to your active account within 70 days of account opening when you meet these two requirements: enroll in paperless statements via online or mobile banking and have 10 debit card purchases posted (excludes ATM transactions) within 60 days of account opening. New checking account customers only. Cannot be combined with other offers. (2) ATM usage fee at non-UBT ATMs waived (excludes surcharges ATM owners may assess). (3) Waives one NSF Paid Item Fee/NSF Returned Item Fee per calendar year. (4) $10 Credit: New checking account customers only. Requires enrollment in Union Bank's RoundUp Program to an eligible Union Bank savings account within 60 days of checking account opening. $10 will be credited to active checking account within 70 days of account opening if you meet the requirements. Account not affiliated with or endorsed by any college or university.

Loan products subject to credit approval.

Message and data rates may apply.