Support on this site for Internet Explorer 9 and Internet Explorer 10 will end on April 18, 2018. You must update your browser prior to then to continue accessing ubt.com and UBTgo Online Banking. Learn More Here >>

Deposit Account Rates

 

Check out our current IRA & CD Specials.

Attractive rates on IRAs, plus great returns on our 15‑Month Access CD, 13‑Month CD, 17‑Month CD, 20‑Month CD, 27‑Month CD, 48‑Month CD, and
60‑Month CD.

Rates for Certificates of Deposit and
Individual Retirement Accounts (IRA)
Effective as of
December 6, 2018
Minimum to open: $1,000
10-Month Access and 15-Month Access Minimum to Open: $10,000
Other Terms Available
TERM $1,000-$24,999.99 APY* $25,000 & OVER APY*
3 months (CD only) 1.00% 1.10%
6 months 1.61% 1.71%
9 months 1.81% 1.91%
10 months 2.01% 2.12%
11 months 2.01% 2.12%
12 months 2.01% 2.12%
13 months 2.12% 2.22%
15 months 2.12% 2.22%
15 months Access** (CD only) 1.71% 1.71%
17 months 2.37% 2.47%
18 months 2.37% 2.47%
19 months 2.37% 2.47%
20 months 2.58% 2.68%
22 months 2.68% 2.78%
24 months 2.68% 2.78%
27 months 3.03% 3.14%
30 months 2.73% 2.83%
36 months 2.78% 2.88%
48 months 2.88% 2.98%
60 months 3.19% 3.29%
*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.
**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.
Call toll-free at 800.297.2837, or in Lincoln at 402.323.1777, for more information.
Rate restrictions may apply to business and public funds deposits; please see us for details. 

Top of Page

Variable Rate
Individual Retirement Accounts
Effective as of
December 6, 2018
TERM $1,000-$24,999.99 APY* $25,000 & OVER APY*
18 month Variable** 1.51% 1.61%
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, which may reduce earnings.
**Variable Rate IRA rate is subject to change after the account is opened.
Call toll-free at 800.297.2837, or in Lincoln at 402.323.1777, for more information.

Top of Page

Money Market & Savings Rates Effective as of
December 6, 2018
Value Edge Money Market Account
$10,000 minimum to open
BALANCE INTEREST RATE APY*
Less than $10,000 0.15% 0.15%
$10,000 to $49,999.99 0.30% 0.30%
$50,000 to $249,999.99 0.35% 0.35%
$250,000 to $499,999.99 0.45% 0.45%
$500,000 and Over 0.60% 0.60%
Union Money Fund
$50 minimum to open
BALANCE INTEREST RATE APY*
$2,500 to $4,999.99 0.15% 0.15%
$5,000 to $24,999.99 0.25% 0.25%
$25,000 to $49,999.99 0.30% 0.30%
$50,000 to $99,999.99 0.30% 0.30%
$100,000 and Over 0.35% 0.35%
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 0.15% 0.15%
*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.
Call toll-free at 800.297.2837, or in Lincoln at 402.323.1777, for more information.

Top of Page

Health Savings Account Effective as of
December 6, 2018
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.
Call toll-free at 800.297.2837, or in Lincoln at 402.323.1777, for more information.

Top of Page

Checking Account Rates Effective as of
December 6, 2018
Bonus Checking (when activity requirements met)**
BALANCE INTEREST RATE APY*
$0.01 to $100,000 1.25% 1.26%
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%
**Statement Cycle Activity Requirements: 12 debit card purchases posted (excludes ATM transactions), receive e-Statements via Online Banking (requires ongoing valid e-mail address), access Online Banking, Direct Deposit posted.
Journey Checking
BALANCE INTEREST RATE APY*
$100 to $4,999.99 0.10% 0.10%
$5,000 to $9,999.99 0.10% 0.10%
$10,000 to $24,999.99 0.15% 0.15%
$25,000 & over 0.20% 0.20%
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.
Call toll-free at 800.297.2837, or in Lincoln at 402.323.1777, for more information.