Personal Certificate of Deposit (CDs) Traditional and FLEX CDs. When you commit to keeping your funds with Union Bank for a defined period of time, we reward you with our highest interest rates. A Bank Certificate of Deposit (or CD) is an interest-earning vehicle. Earn 0.50% APY. with our 16-month CD on balances $1,000 to $24,999.99. Check out our other promotional CDs below and our full listing at the bottom of the page to select the rates and terms that suit you best. Call 800.297.2837 0.35% APY. on a 9 month CD for balances over $25,000. Certificates of Deposit A Union Bank CD offers you a flexible savings option with a fixed rate of return, competitive interest rates, and a great lineup of options, running from three months to five years. Best of all, you can get started for as little as $500.00 and interest may be credited to another Union Bank account or compounded. . APY = Annual Percentage Yield. The interest rate and annual percentage yield may change without notice after account opening. Interest rates and annual percentage yields are current as of 8/31/2020. Compare the best CD rates drawn from our research on the approximately 200 banks and credit unions that offer CDs nationwide. Find the best CD rates today!
Guaranteed rates: See more of the green
Earn 0.50% APY* with our 16-month CD on balances $1,000 to $24,999.99. Check out our other promotional CDs below and our full listing at the bottom of the page to select the rates and terms that suit you best.
0.35% APY* on a 9 month CD for balances over $25,000
0.60% APY* on a 16 month CD for balances over $25,000
0.75% APY* on a 27 month CD for balances over $25,000
0.90% APY * on a 60 month CD for balances over $25,000
| CD & IRA Specials | Effective as of December 24, 2020 | |
| $1000 minimum to open | ||
| Term | $1000 - $24,999.99 APY* | $25,000.00 and over APY* |
| 12 month | 0.45% | 0.55% |
| 16 month | 0.50% | 0.60% |
| 27 month | 0.65% | 0.75% |
| 60 month | 0.80% | 0.90% |
*The Annual Percentage Yield (APY) is based on quarterly compounding. Unless otherwise noted, you must maintain a minimum balance of $1,000 to open the account and obtain the APY. Penalty for early withdrawal, which may reduce earnings.
Open a CD Online
15-Month Access CD
Get 0.50% APY* on new money to UBT
If rates rise or you just need to access your money, you can do it as often as once a week. Only new money to UBT eligible with a $10,000 minimum to open.
*Annual Percentage Yield (APY) is based on quarterly compounding. $10,000 minimum initial deposit with $1,000 minimum balance required. Minimum withdrawal of $1,000. Withdrawals may be made without penalty every 7 days. Withdrawals made within 6 days of opening or following a withdrawal will be assessed a penalty, which may reduce earnings. Not available for Public Funds.
Effective as of December 24, 2020
Rates for certificates of deposit & individual retirement accounts (IRAs)
| TERM | $1,000-$24,999.99 APY* | $25,000 & OVER APY* |
|---|---|---|
| 3 months (CD only) | 0.15% | 0.25% |
6 months | 0.20% | 0.30% |
| 9 months | 0.25% | 0.35% |
| 10 months | 0.30% | 0.40% |
| 11 months | 0.40% | 0.50% |
12 months | 0.45% | 0.55% |
| 13 months | 0.45% | 0.55% |
| 15 months | 0.50% | 0.60% |
| 15 months Access** (CD only) | 0.50% | $10,000 min to open (new money) |
| 16 months | 0.50% | 0.60% |
| 17 months | 0.50% | 0.60% |
18 months | 0.50% | 0.60% |
| 19 months | 0.55% | 0.65% |
| 20 months | 0.60% | 0.70% |
| 22 months | 0.65% | 0.75% |
| 24 months Open Online | 0.65% | 0.75% |
| 27 months | 0.65% | 0.75% |
| 30 months | 0.75% | 0.85% |
| 36 months | 0.80% | 0.90% |
| 48 months Open Online | 0.80% | 0.90% |
| 60 months Open Online | 0.80% | 0.90% |
Variable Rate Individual Retirement Accounts | ||
| 18 month Variable*** | 0.55% | 0.65% |
*The Annual Percentage Yield (APY) is based on quarterly compounding. Unless otherwise noted, you must maintain a minimum balance of $1,000 to open the account and obtain the APY. Penalty for early withdrawal, which may reduce earnings.
**The Access CD offers a guaranteed annual percentage yield with the flexibility of penalty free withdrawals. Withdrawals made during the 6 days after opening or 6 days after each subsequent withdrawal will be assessed a penalty, which may reduce earnings. Requires $10,000 minimum to open
Union Bank Cd Rates Specials
***Variable Rate IRA rate is subject to change after the account is opened. No minimum balance required to open account or obtain APY.
CDARS Program
Make large cash deposits quickly and confidentially
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If you have more than $250,000 to invest and you want it insured under the FDIC, CDARS (the Certificate of Deposit Account Registry Service) can help.
Union Bank Cd Rates Today Jumbo
- Make a large deposit quickly and confidentially through UBT
- Enjoy full FDIC insurance, up to $30 million
- Work directly with UBT as your one trusted contact for your investments
COVID-19 Relief
We know things are still rocky. We’re here to help our customers avoid further financial hardship. Please contact us to discuss your situation further.
We will send a maturity notice by mail two weeks prior to maturity.
The grace period on a Certificate of Deposit is the maturity date plus 10 calendar days.
CDs offer a few advantages.
- CDs typically pay a higher interest rate than other FDIC insured deposit products. Usually, the higher the rate, the longer the term.
- Your returns are guaranteed. You will know exactly how much money you will earn by the time the CD matures.
- CDs also have the security of being FDIC-insured up to the maximum limits.
Union Bank Cd Rates California
7-90 day CD - All interest is lost
3-9 month CD - 92 days' worth of interest is lost
10-60 month CD - 182 days' worth of interest is lost
Union Bank Cd Rates
Yes, you can have interest direct deposited into your checking account or reinvested into your current CD
Union Bank Cd Rates In Sacramento Ca
Interest is applied to Certificates of Deposit quarterly and at maturity.