Union Bank Cd Rates
Guaranteed rates: See more of the green
Union Bank's Rates page shows a maximum deposit of $100k, but CSR confirmed that the actual maximum deposit is just below $1 million. Rates as of February 26, 2021. While Union Bank offers the 18-23 month CD as an IRA, it earns 0.15% APY, regardless of minimum deposit. Certificates of Deposit A Union Bank CD offers you a flexible savings option with a fixed rate of return, competitive interest rates, and a great lineup of options, running from three months to five years. Best of all, you can get started for as little as $500.00 and interest may be credited to another Union Bank account or compounded. PurePoint Financial is a division of MUFG Union Bank, N.A. Toll-Free: 1.833.787.3764 1 When you fund your new CD within 10 days of a completed application, you will receive our best rate offered during that 10-day period for the same product and term.
Grow your savings steadily with a Certificate of Deposit. Various terms, from 3 months to 5 years. Ideal option for growing your savings at a fixed rate. Maximize your savings by keeping money on deposit. When you want to give your savings a boost, check out our CDs. With our 10 Month CD, you'll know exactly how much you'll earn over a fixed term. Better rates available for Platinum and Platinum Plus Checking customers. This 25-Month CD allows for a longer period of investment with the same fixed rate and peace of mind over a fixed term. Better rates available for Platinum and Platinum Plus Checking customers.
Earn 0.50% APY* with our 16-month CD on balances $1,000 to $24,999.99. Check out our other promotional CDs below and our full listing at the bottom of the page to select the rates and terms that suit you best.
0.35% APY* on a 9 month CD for balances over $25,000
0.60% APY* on a 16 month CD for balances over $25,000
0.75% APY* on a 27 month CD for balances over $25,000
0.90% APY * on a 60 month CD for balances over $25,000
| CD & IRA Specials | Effective as of December 24, 2020 | |
| $1000 minimum to open | ||
| Term | $1000 - $24,999.99 APY* | $25,000.00 and over APY* |
| 12 month | 0.45% | 0.55% |
| 16 month | 0.50% | 0.60% |
| 27 month | 0.65% | 0.75% |
| 60 month | 0.80% | 0.90% |
*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.
Open a CD Online
15-Month Access CD
Get 0.50% APY* on new money to UBT
If rates rise or you just need to access your money, you can do it as often as once a week. Only new money to UBT eligible with a $10,000 minimum to open.
*Annual Percentage Yield (APY) is based on quarterly compounding. $10,000 minimum initial deposit with $1,000 minimum balance required. Minimum withdrawal of $1,000. Withdrawals may be made without penalty every 7 days. Withdrawals made within 6 days of opening or following a withdrawal will be assessed a penalty, which may reduce earnings. Not available for Public Funds.
Effective as of December 24, 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) | 0.15% | 0.25% |
6 months | 0.20% | 0.30% |
| 9 months | 0.25% | 0.35% |
| 10 months | 0.30% | 0.40% |
| 11 months | 0.40% | 0.50% |
12 months | 0.45% | 0.55% |
| 13 months | 0.45% | 0.55% |
| 15 months | 0.50% | 0.60% |
| 15 months Access** (CD only) | 0.50% | $10,000 min to open (new money) |
| 16 months | 0.50% | 0.60% |
| 17 months | 0.50% | 0.60% |
18 months | 0.50% | 0.60% |
| 19 months | 0.55% | 0.65% |
| 20 months | 0.60% | 0.70% |
| 22 months | 0.65% | 0.75% |
| 24 months Open Online | 0.65% | 0.75% |
| 27 months | 0.65% | 0.75% |
| 30 months | 0.75% | 0.85% |
| 36 months | 0.80% | 0.90% |
| 48 months Open Online | 0.80% | 0.90% |
| 60 months Open Online | 0.80% | 0.90% |
Variable Rate Individual Retirement Accounts | ||
| 18 month Variable*** | 0.55% | 0.65% |
*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.
CDARS Program
Make large cash deposits quickly and confidentially
If you have more than $250,000 to invest and you want it insured under the FDIC, CDARS (the Certificate of Deposit Account Registry Service) can help.
- Make a large deposit quickly and confidentially through UBT
- Enjoy full FDIC insurance, up to $30 million
- Work directly with UBT as your one trusted contact for your investments
COVID-19 Relief
We know things are still rocky. We’re here to help our customers avoid further financial hardship. Please contact us to discuss your situation further.
Union Savings Bank Rates
We will send a maturity notice by mail two weeks prior to maturity.
The grace period on a Certificate of Deposit is the maturity date plus 10 calendar days.
CDs offer a few advantages.
- CDs typically pay a higher interest rate than other FDIC insured deposit products. Usually, the higher the rate, the longer the term.
- Your returns are guaranteed. You will know exactly how much money you will earn by the time the CD matures.
- CDs also have the security of being FDIC-insured up to the maximum limits.
7-90 day CD - All interest is lost
3-9 month CD - 92 days' worth of interest is lost
10-60 month CD - 182 days' worth of interest is lost
Yes, you can have interest direct deposited into your checking account or reinvested into your current CD
Union Bank Cd Rates
Interest is applied to Certificates of Deposit quarterly and at maturity.
Available to residents nationwide, Union Bank has a wide array of products to meet your individual needs. Ranging from Checking, Savings, CDs, and loans. Union Bank has some exceptional CD Rates, current noteworthy ones are their 2.90% APY 18-23 Month CD!
With a unique selection of lengths to choose from, you can be sure to find an account that best fits all your banking needs. Not only do you get an account, but you can also take advantage of a low required minimum balance of just $10,000 on selected CD terms. You might even find yourself earning more than a regular savings account. If you are interested, be sure to apply as soon as you can to start your new account experience!
| CIT BANK CD TERM | RATE | LINK |
| 12-Month Term | 0.30% APY | Apply Now |
| 13-Month Term | 0.35% APY | Apply Now |
| 18-Month Term | 0.30% APY | Apply Now |
| 4-Year Term | 0.50% APY | Apply Now |
Table of Contents
Union Bank CD Information:
CDs are a certificate issued by a bank to a person depositing money for a specified length of time and usually the longer of a term is – the higher APY rate you make! Union Bank pays the highest APY rate with 2.90% APY 18-23 Month CD Rates which is also their current promotion.With as little as $10,000, you can invest in a CD account and maximize your earnings. Compare their offering now to find the solutions that fit best with your savings goals. If you’re interested in making a higher rate than a traditional savings account then make sure to check out below CD rates.
CD Specials:
| Term | APY Rate | Minimum Deposit |
| 18-23 Month | 2.90% | $10,000 |
Certificates of Deposit Rates:
| Term | APY Rate | Minimum Deposit |
| 7 – 31 Day | 0.05% | $2,500 |
| 32 – 89 Day | 0.05% | $350 |
| 90 – 179 Day | 0.05% | $350 |
| 180 – 364 Day | 0.05% | $350 |
| 12 -17 Month | 0.15% | $350 |
| 18 – 23 Month | 0.15% | $350 |
| 24 – 35 Month | 0.20% | $350 |
| 36 – 47 Month | 0.35% | $350 |
| 48 – 59 Month | 0.40% | $350 |
| 60 Month CD | 0.50% | $350 |
Rates effective as of 10/24/2018
CD Features:
- 24/7 access to your account online
- No monthly maintenance fee
- A low $350 minimum for standard
- FDIC Insured
Bottom Line:
Union Bank maximize your earnings. Certificates of Deposit and IRAs are excellent financial tools for preparing for retirement. More than focusing on the community, Union Bank makes sure that you can benefit from high competitive rates for the term of the certificate, and so, you can earn a 2.90% APY 18 to 23-month CD rate!
Since CDs are FDIC-insured, you’ll enjoy the security of a savings account with the higher interest associated with an investment. With a CD, your savings are invested at a set rate for a specified period of time. Though this is a pretty decent rate, there are so many other CD rates that you can try! If you’re looking to invest with a different bank, you can find more of the Best CD Ratesin the country from the HMB list!
Disclaimer: Rates / APY terms above are current as of the date indicated. These quotes are from banks, credit unions and thrifts. Bank, thrift and credit union deposits are insured by the FDIC or NCUA. Contact the bank for the terms and conditions that may apply to you. Rates are subject to change without notice and may not be the same at all branches.[table “217” not found /]