Fixed Rate CDs, IRAs & CESAs

Term	APY	Interest Rate	*Relationship Pricing(Annual Percentage Yield (APY)	*Relationship Pricing Interest Rate
3 Month	0.05%	0.05%	0.05%	0.05%
6 Month	0.10%	0.10%	0.10%	0.10%
12 Month	0.20%	0.20%	0.30%	0.30%
18 Month	0.25%	0.25%	0.35%	0.35%
24 Month	0.30%	0.30%	0.40%	0.40%
30 Month	0.40%	0.40%	0.55%	0.55%
36 Month	0.45%	0.45%	0.60%	0.60%
39 Month	0.65%	0.65%	0.80%	0.80%
48 Month	0.65%	0.65%	0.90%	0.90%
60 Month	0.75%	0.75%	1.00%	1.00%

*Must have an active checking account with recurring deposits to obtain relationship pricing. Rate will renew at standard terms unless you notify us during grace period you qualify for relationship terms. CDARS Certificates of Deposit Accounts do not qualify for relationship pricing.

Relationship Pricing Increase are included in above rates. 12-29 months have a 0.10% APY increase, 30-47 months have a 0.15% APY increase, and 48-60 months have a 0.25% APY increase.

• APY = Annual Percentage Yield.
• Penalty may be imposed for early withdrawal.
• Fees may reduce earnings.
• $500 minimum to open and obtain APY unless otherwise stated.
• *Must have an active checking account with recurring deposits to obtain relationship pricing. Rate will renew at standard terms unless you notify us during grace period you qualify for relationship terms. CDARS Certificates of Deposit Accounts do not qualify for relationship pricing.

 

Add-on CD

Term	APY	Interest Rate	*Relationship Pricing Annual Percentage Yield (APY)	*Relationship Pricing Interest Rate
24 Month	0.30%	0.30%	0.40%	0.40%

• 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.
• *Must have an active checking account with recurring deposits to obtain relationship pricing. Rate will renew at standard terms unless you notify us during grace period you qualify for relationship terms. CDARS Certificates of Deposit Accounts do not qualify for relationship pricing.

 

CollegeSaver CDs^TM

Term	APY	Interest Rate	*Relationship Pricing Annual Percentage Yield (APY)	*Relationship Pricing Interest Rate
24 Month	0.30%	0.30%	0.40%	0.40%
48 Month	0.65%	0.65%	0.90%	0.90%

• 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.
• *Joint Owner/Guardian must have an active checking account with recurring deposits to obtain relationship pricing. Rate will renew at standard terms unless you notify us during grace period you qualify for relationship terms.

 

Add-On IRAs & CESAs

Term	APY	Interest Rate	*Relationship Pricing Annual Percentage Yield (APY)	*Relationship Pricing Interest Rate
Open Time/Floating Time Account	0.10%	0.10%	0.10%	0.10%
20 Month	0.25%	0.25%	0.35%	0.35%
24 Month	0.30%	0.30%	0.40%	0.40%
36 Month	0.45%	0.45%	0.60%	0.60%
48 Month	0.65%	0.65%	0.90%	0.90%
60 Month	0.75%	0.75%	1.00%	1.00%

• 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.
• *Must have an active checking account with recurring deposits to obtain relationship pricing. Rate will renew at standard terms unless you notify us during grace period you qualify for relationship terms.

High Interest Checking

Term	APY	Interest Rate
Qualifications* Met:
$0 - $10,000	2.00%	1.98%
$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	0.05%	0.05%
$1,000 - $9,999	0.05%	0.05%
$10,000 & Over	0.10%	0.10%

• 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	0.05%	0.05%

• Annual Percentage Yield (APY) is based on monthly compounding.
• Variable-rate may change after the account is open.
• Fees could reduce earnings.

Free, GO! & Penny Savers

Term	APY	Interest Rate
$0 & Over	0.10%	0.10%

• 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	0.10%	0.10%
$25,000 - $49,999	0.10%	0.10%
$50,000 - $99,999	0.10%	0.10%
$100,000 - $249,999	0.10%	0.10%
$250,000 - $499,999	0.15%	0.15%
$500,000 & 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.

 

Employee Advantage

Term	APY	Interest Rate
$0 & Over	0.10%	0.10%

• Annual Percentage Yield (APY) is based on quarterly compounding.
• Fees could reduce earnings.
• Rate may change after account is open.

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	0.10%	0.10%
$10,000 - $74,999	0.10%	0.10%
$75,000 & Over	0.10%	0.10%

• Annual Percentage Yield (APY) is based on monthly compounding.
• Fees could reduce earnings.
• Rate may change after account is open.

 

Gold Premier

$15,000 minimum to open and earn interest

Term	APY	Interest Rate
$15,000 - $99,999	0.10%	0.10%
$100,000 - $249,999	0.10%	0.10%
$250,000 - $499,999	0.15%	0.15%
$500,000 & 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.

 

Employee Advantage

Term	APY	Interest Rate
$0 - $999	0.00%	0.00%
$1,000 & over	0.10%	0.10%

• Annual Percentage Yield (APY) is based on monthly compounding.
• Fees could reduce earnings.
• Rate may change after account is open.