Deposit Rates

Rates Change. Our Service Won't.

Deposit Rates

Rates Change. Our Service Won't.

Rates effective September 18, 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 

    0.05% 

    0.05% 

    6 Month 

    0.10% 

    0.10% 

    12 Month

    0.20% 

    0.20%

    17 Month Special

    0.80%

    0.80%

    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

    0.10% 

    0.10% 

    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.
  • Checking Accounts

    High Interest Checking

    Term APY Interest Rate

    Qualifications* Met: 

     

     

       $0 - $10,000

    2.50%

    2.47%

       $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 

    0.10% 

    0.10% 

    $10,000 & Over 

    0.20% 

    0.20% 

    • 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

    0.10%

    0.10%

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

    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 

    0.15% 

    0.15% 

    $50,000 - $99,999 

    0.20% 

    0.20% 

    $100,000 - $249,999

    0.25% 

    0.25% 

    $250,000 - $499,999 

    0.25% 

    0.25% 

    $500,000 & Over

    0.25% 

    0.25% 

    • 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 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

    0.10% 

    0.10% 

    $10,000 - $74,999

    0.20% 

    0.20% 

    $75,000 & Over 

    0.25% 

    0.25% 

    • 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

    0.20% 

    0.20% 

    $100,000 - $249,999

    0.25% 

    0.25% 

    $250,000 - $499,999

    0.25% 

    0.25% 

    $500,000 & over

    0.25% 

    0.25% 

    • 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.

Earn up to 2.50% APY

(Annual Percentage Yield) with our High Interest Checking Account

Learn More

HERE app

Digital Banking: at your service anytime, anywhere

Learn More