Deposit Rates

Rates effective January 17, 2020 and subject to change at any time.

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 

0.15% 

0.15% 

6 Month 

0.25% 

0.25% 

12 Month

0.40% 

0.40%

16 Month Special

1.70%

1.69%

18 Month 

 0.50% 0.50%

24 Month

0.70%

0.70%

30 Month

0.80%

0.80%

36 Month

0.90%

0.90%

48 Month

1.10% 

1.10% 

49 Month Special

2.00%

1.99%

60 Month

1.40%

1.39%
  • 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

0.70% 

0.70% 
  • 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

0.70% 

0.70% 

48 Month

1.10% 

1.10% 
  • 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

Account Type

APY 

Interest Rate 

Open Time/ Floating Time Account

0.15% 

0.15% 

20 Month 

.50% 

.50% 

24 Month

0.70% 

0.70% 

36 Month

0.90% 

0.90% 

48 Month

1.10% 

1.10% 

60 Month

1.40% 

1.39% 
  • 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.

Checking Accounts

High Interest Checking

Balance

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.

UI Employee Advantage, Gold, & Friends Club Checking

Balance

APY 

Interest Rate 

$0 - $999 

0.10% 

0.10% 

$1,000 - $9,999 

0.15% 

0.15% 

$10,000 & Over 

0.25% 

0.25% 

Employee Advantage

Balance

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.

Savings Accounts

Free, GO! & Penny Savers

Balance

APY 

Interest Rate 

$0 & Over 

0.15% 

0.15% 

Gold

$10,000 minimum to open and earn interest

Balance

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

0.40% 

0.40% 

$250,000 - $499,999 

0.50% 

0.50% 

$500,000 & Over

0.60% 

0.60% 

Employee Advantage

Balance

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.

Money Market Accounts

Money Market

$1,000 minimum to open and earn interest

Balance

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 

0.35% 

0.35% 

Gold Premier

$15,000 minimum to open and earn interest

Balance

APY

Interest Rate

$15,000 - $99,999

0.25% 

0.25% 

$100,000 - $249,999

0.40% 

0.40% 

$250,000 - $499,999

0.50% 

0.50% 

$500,000 & over

0.60% 

0.60% 

Employee Advantage

Balance

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.