Deposit Rates
Rates effective August 16, 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% |
|
18 Month |
0.55% |
0.55% |
|
24 Month |
0.75% |
0.75% |
|
30 Month |
0.85% |
0.85% |
|
32 Month Special |
2.75% |
2.72% |
|
36 Month |
0.95% |
0.95% |
|
48 Month |
1.20% |
1.19% |
|
51 Month Special |
3.25% |
3.21% |
|
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
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.
Connection is HERE