Rates

Mortgage Interest Rates Current as of February 03, 2012 For current rates call 636-583-2555
Loan Product	Interest Rate	APR*	Monthly P & I
30-Yr. Fixed (360 Pmts.)	3.875%	3.915%	$587.80	Prequalify
20-Yr. Fixed (240 Pmts.)	3.625%	3.680%	$733.00	Prequalify
15-Yr. Fixed (180 Pmts.)	3.125%	3.195%	$870.76	Prequalify
10-Yr. Fixed (120 Pmts.)	2.875%	2.976%	$1199.81	Prequalify

* Rates are quoted with NO POINTS. The quoted Annual Percentage Rate (APR) assumes a 20 percent down payment and a loan balance of $125,000 and an anticipated 30 day rate lock period. If the down payment is less than 20 percent, mortgage insurance may be needed which could increase the APR. Payments shown above do not include taxes and insurance premiums, if applicable, the actual payment obligation will be greater. Rates and terms are subject to change without notice.

Length of Term	Interest Rate	APY*
CD's
91 Days	0.25%	0.25%	Open \| Renew
6 Month	0.40%	0.40%	Open \| Renew
12 Month	0.70%	0.70%	Open \| Renew
18 Month	0.75%	0.75%	Open \| Renew
24 Month	0.95%	0.95%	Open \| Renew
36 Month	1.30%	1.31%	Open \| Renew
48 Month	1.30%	1.31%	Open \| Renew
60 Month	1.40%	1.41%	Open \| Renew
Step-Up CD's**
36 Month Step-Up	1.35%	1.36%	Open \| Renew
60 Month Step-Up	1.45%	1.46%	Open \| Renew

Have a Checking Account with us? Add 0.10% to each of our CD Interest rates when you have an active checking account with United Bank of Union.

*Annual Percentage Yield (APY) is accurate as of February 03, 2012 and is based on the minimum opening deposit of $500.00 and quarterly compounding assuming principal and interest remain on deposit. Substantial penalty for early withdrawal.
**Rates may change on Step-Up CD's.

Account	Interest Rate	APY*
Checking
Rebel Plus	0.10%	0.10%
NOW	0.10%	0.10%
Seniority	0.10%	0.10%
Money Market
Under $1,000	0.10%	0.10%
$1,000-$9,999.99	0.10%	0.10%
$10,000-24,999.99	0.40%	0.40%
$25,000-49,999.99	0.50%	0.50%
$50,000 and over	0.65%	0.65%
$250,000 and over	0.80%	0.80%

Savings
Statement Savings	0.10%	0.10%
Ultimate Savings $50,000 &Over	0.75%	0.75%
Ultimate Savings $250,000 &Over	1.00%	1.00%
Ultimate Savings Under $50,000	0.10%	0.10%

*Annual Percentage Yield (APY) is accurate as of February 03, 2012 and is based on interest compounding monthly. After account is opened, rates are subject to change without notification. Certain fees may reduce earnings. $25.00 minimum balance is required to open the account. $1.00 minimum balance is required to obtain advertised annual percentage yield.