Rates effective July 10, 2020 and subject to change at any time.
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Certificates of Deposit (CDs), Individual Retirement Accounts (IRAs), and Coverdell Education Savings Account (CESAs)
Fixed Rate CDs, IRAs & CESAs
Term APY Interest Rate 3 Month
0.05%
0.05%
6 Month
0.10%
0.10%
12 Month
0.20%
0.20%
17 Month Special
1.00%
1.00%
18 Month
0.30%
0.30%
24 Month
0.50%
0.50%
30 Month
0.60%
0.60%
36 Month
0.70%
0.70%
48 Month
0.80%
0.80%
60 Month
0.90%
0.90%
- APY = Annual Percentage Yield.
- Penalty may be imposed for early withdrawal.
- Fees may reduce earnings.
- CDs and IRAs: $500 minimum to open and obtain APY unless otherwise stated.
- CESAs: $100 minimum to open and obtain APY. Subsequent deposits may be made at a minimum of $25 until the beneficiary reaches age 18.
Add-on CD
Term APY Interest Rate 24 Month
0.50%
0.50%
- APY = Annual Percentage Yield.
- Penalty may be imposed for early withdrawal.
- Fees may reduce earnings.
- $500 minimum to open and obtain APY. Subsequent deposit minimum $100.
CollegeSaver CDsTM
Term APY Interest Rate 24 Month
0.50%
0.50%
48 Month
0.80%
0.80%
- APY = Annual Percentage Yield.
- Penalty may be imposed for early withdrawal.
- Fees may reduce earnings.
- $100 minimum to open and obtain APY. Subsequent deposit minimum $25.
- The first named account holder must be under age 21.
- Additions will not be allowed beginning with the renewal period after the first named depositor reaches age 21.
Add-On IRAs & CESAs
Term APY Interest Rate Open Time/ Floating Time Account
0.15%
0.15%
20 Month
0.30%
0.30%
24 Month
0.50%
0.50%
36 Month
0.70%
0.70%
48 Month
0.80%
0.80%
60 Month
0.90%
0.90%
- APY = Annual Percentage Yield.
- Penalty may be imposed for early withdrawal, except Open Time Accounts.
- Fees may reduce earnings.
- Open Time Accounts no minimum to open or obtain APY.
- IRAs: $500 minimum to open and obtain APY.
- CESAs: $100 minimum to open and obtain APY. Subsequent deposits may be made at a minimum of $25 until the beneficiary reaches age 18.
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Checking Accounts
High Interest Checking
Term APY Interest Rate Qualifications* Met:
$0 - $10,000
3.04%
3.00%
$10,000.01 & over
0.05%
0.05%
Qualifications* Not Met:
$0 & over
0.05%
0.05%
*Qualifications per monthly statement cycle: deposit(s) totaling $1,000 or more, and 25 debits or withdrawals,which include debit card and ACH transactions, ATM withdrawals, automatic bill or loan payments. Transfers do not count. If qualifications are met, the $10 monthly basic service fee (plus tax) will be refunded for that statement cycle.
- Annual Percentage Yield (APY) is based on monthly compounding.
- Variable-rate may change after the account is open.
- Fees could reduce earnings.
UI Employee Advantage, Gold, & Friends Club Checking
Term APY Interest Rate $0 - $999
0.10%
0.10%
$1,000 - $9,999
0.15%
0.15%
$10,000 & Over
0.25%
0.25%
- Annual Percentage Yield (APY) is based on monthly compounding.
- Variable-rate may change after the account is open.
- Fees could reduce earnings.
Employee Advantage
Term APY Interest Rate $0 - $999
0.00%
0.00%
$1,000 & over
0.15%
0.15%
- Annual Percentage Yield (APY) is based on monthly compounding.
- Variable-rate may change after the account is open.
- Fees could reduce earnings.
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Savings Accounts
Free, GO! & Penny Savers
Term APY Interest Rate $0 & Over
0.15%
0.15%
- Annual Percentage Yield (APY) is based on quarterly compounding.
- Fees could reduce earnings.
- Rate may change after account is open.
Gold
$10,000 minimum to open and earn interest
Term APY Interest Rate $10,000 - $24,999
0.15%
0.15%
$25,000 - $49,999
0.20%
0.20%
$50,000 - $99,999
0.25%
0.25%
$100,000 - $249,999
0.30%
0.30%
$250,000 - $499,999
0.30%
0.30%
$500,000 & Over
0.30%
0.30%
- Annual Percentage Yield (APY) is based on quarterly compounding.
- Fees could reduce earnings.
- Rate may change after account is open.
Employee Advantage
Term APY Interest Rate $0 & Over
0.15%
0.15%
- Annual Percentage Yield (APY) is based on quarterly compounding.
- Fees could reduce earnings.
- Rate may change after account is open.
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Money Market Accounts
Money Market
$1,000 minimum to open and earn interest
Term APY Interest Rate $1,000 - $2,499
0.10%
0.10%
$2,500 - $9,999
0.15%
0.15%
$10,000 - $74,999
0.25%
0.25%
$75,000 & Over
0.30%
0.30%
- Annual Percentage Yield (APY) is based on monthly compounding.
- Fees could reduce earnings.
- Rate may change after account is open.
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Gold Premier
$15,000 minimum to open and earn interest
Term APY Interest Rate $15,000 - $99,999
0.25%
0.25%
$100,000 - $249,999
0.30%
0.30%
$250,000 - $499,999
0.30%
0.30%
$500,000 & over
0.30%
0.30%
- Annual Percentage Yield (APY) is based on monthly compounding.
- Fees could reduce earnings.
- Rate may change after account is open.
Employee Advantage
Term APY Interest Rate $0 - $999
0.00%
0.00%
$1,000 & over
0.15%
0.15%
- Annual Percentage Yield (APY) is based on monthly compounding.
- Fees could reduce earnings.
- Rate may change after account is open.