Rates

Current Rates at United Bank of Union

Mortgage Rates

Due to the market volatility of home loan rates, please call in to 636-583-2555 and speak directly with one of our loan officers for a rate quote. We appreciate your understanding and look forward to your phone call.

CD Rate Offerings

Length of Term of CD's	Interest Rate	APY**
91 Days	0.25%	0.25%
6 Month	0.30%	0.30%
7 Month Special	5.15%	5.25%
10 Month Special	5.00%	5.10%
12 Month	_0.55%	_0.55%
18 Month	0.55%	0.55%
24 Month	0.65%	0.65%
30 Month	0.65%	0.65%
36 Month	1.00%	1.00%
48 Month	1.00%	1.00%
60 Month	1.50%	1.51%

Length of Term for Step-Up CD's***	Interest Rate	APY**
36 Month Step-Up	3.70%	3.75%
60 Month Step-Up	1.40%	1.41%

Deposit Rate Offerings

Type of Account	Interest Rate	APY
Checking
Seniority	0.30%	0.30%
Teen Checking	0.30%	0.30%
College Checking	0.30%	0.30%
Money Market
< $1,000	0.35%	0.35%
$1,000 - $9,999.99	0.35%	0.35%
$10,000 - $24,999.99	0.35%	0.35%
$25,000 - $49,999.99	0.35%	0.35%
$50,000 - $249,999	0.40%	0.40%
$250,000 +	0.50%	0.50%
Savings
Dragon Saver's Savings Account	0.35%	0.35%
Companion Savings Account^# $1,000.00 +	1.50%	1.50%
Companion Savings Account^# $0 - $999.99	0.35%	0.35%
Personal Savings^##	0.35%	0.35%
Ultimate Savings $0 - $49,999.99	0.35%	0.35%
Ultimate Savings $50,000 - $249.999	0.40%	0.40%
Ultimate Savings $250,000 +	0.50%	0.50%
Christmas Club	0.35%	0.35%
Vacation Club	0.35%	0.35%

**Annual Percentage Yield (APY) is accurate as of August 14, 2023 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.

***How 36 month Step-Up CD's work: The initial interest rate will be in effect for two years. If on the second anniversary of the date of issue, the interest rate being offered by United Bank of Union on the 12 month CD is greater than the original Step-Up interest rate issued, the Step-Up interest rate shall be adjusted to that higher rate, effective for the remainder of the initial term only.

**** How 60 month Step-Up Cd's work: The initial interest rate will be in effect for three years. If on the third anniversary of the date of issue, the interest rate being offered by United Bank of Union on the 24 month CD is greater than the original Step-Up interest rate issued, the Step-Up interest rate shall be adjusted to that higher rate, effective for the remainder of the initial term only.

# A minimum of $1,000 balance is required to open and to obtain the higher APY. If the average daily balance falls below $1,000, then Personal Savings account interest rate will apply. No additional deposits can be made into the account unless a new CD is opened at the time of the deposit. Amount of additional deposit must be equal or lesser than amount of accompanying CD opened. All other Certificate of Deposit and traditional saving account rules apply. Fees may reduce earnings.

## A minimum of $25.00 dollars is required to open a regular statement savings account. A minimum of $50,000.00 is required to open any Ultimate Savings account.