Deposit Rates
Rates effective February 15, 2019
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 |
0.20% |
0.20% |
6 Month |
0.30% |
0.30% |
12 Month |
0.45% |
0.45% |
13 Month Special |
2.50% |
2.48% |
18 Month |
0.55% |
0.55% |
24 Month |
0.75% |
0.75% |
30 Month |
0.85% |
0.85% |
36 Month |
0.95% |
0.95% |
45 Month Special |
3.25% |
3.21% |
48 Month |
1.20% |
1.19% |
60 Month |
1.50% |
1.49% |
- 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 |
0.75% |
0.75% |
- 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 |
0.75% |
0.75% |
48 Month |
1.20% |
1.19% |
- 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 Account |
0.15% |
0.15% |
20 Month |
0.55% |
0.55% |
24 Month |
0.75% |
0.75% |
36 Month |
0.95% |
0.95% |
48 Month |
1.20% |
1.19% |
60 Month |
1.50% |
1.49% |
- 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
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.