UCB Rates

Rates Effective 11.17.25
Certificates of Deposit
Term Interest Rate APY*
5 Month Special ($10,000.00 minimum) 3.60% 3.64%
11 Month Special ($5,000.00 minimum) 3.30% 3.34%
33 Month Special ($5,000.00 minimum) 3.20% 3.24%
6 Month 1.75% 1.76%
12 Month 2.00% 2.02%
12 Month ($50,000.00 minimum) 2.25% 2.27%
12 Month IRA 2.35% 2.37%
18 Month Bump & Add 2.15% 2.17%
18 Month 2.20% 2.22%
24 Month  2.25% 2.27%
36 Month & 36 Month IRA 2.30% 2.32%
 *APY - Annual Percentage Yield -- $1,000.00 minimum deposit (unless noted) to open account and maintain APY. 
Penalty may be imposed for early withdrawal.

Checking Accounts
Products Average Daily Balance to Obtain APY* APY*
Signature Plus $0.00 and over 0.01%
First Choice Checking and
First Choice Checking Plus
 $1,000.00 to $4,999.99 0.01%
$5,000.00 and over 0.05%
Signature Money Market and
First Choice Money Market
 $0.00 to $4,999.99 0.01%
$5,000.00 to $9,999.99 0.05%
$10,000.00 to $24,999.99 0.05%
$25,000.00 to $49,999.99 0.10%
$50,000.00 to $99,999.99 0.15%
$100,000.00 and over 0.35%
First Choice Investment $10,000.00 to $24,999.99
 0.10%
$25,000.00 to $49,999.99 0.10%
$50,000.00 to $99,999.99 0.15%
$100,000.00 to $299,999.99 0.35%
$300,000.00 and over 0.50%
*APY - Annual Percentage Yield      Variable Rate - Rates may change.
Fees may reduce earnings. Minimum deposit of $100.00 to open account.

Savings Accounts
Products Average Daily Balance to Obtain APY* APY*
Passbook Savings $0.00 and over 0.35%
UCBee's Kids Club Savings $0.00 and over 0.35%
*APY - Annual Percentage Yield    Variable Rate - Rates may change.    
Fees may reduce earnings on account.   Minimum deposit of $50.00 to open a Passbook Savings account. No minimum deposit to open a UCBee's Kids Club Savings account. 

Health Savings Account
Products Average Daily Balance to Obtain APY* APY*
Health Savings Account  $0.00 and over 0.35%
*APY - Annual Percentage Yield      Variable Rate - Rates may change.
Fees may reduce earnings on account.   Minimum deposit of $50.00 to open account.

Traditional IRA & Roth IRA
Products Daily Balance to Obtain APY* APY*
IRA Savings Account $0.00 to $9,999.99 0.25%
$10,000.00 to $24,999.99 0.25%
$25,000.00 to $49,999.99 0.40%
$50,000.00 to $99,999.99 0.50%
$100,000.00 to $299,999.99 0.70%
$300,000.00 and over 0.80%
Also 12 & 36 Month IRA CDs

*APY - Annual Percentage Yield      Variable Rate - Rates may change.
Fees may reduces earnings on account.   Minimum of $50.00 to open an IRA Savings account or $1000.00 to open an IRA Certificate of Deposit account. 

Business Checking
Products Average Daily Balance to Obtain APY* APY*
Business Plus $5,000.00 to $49,999.99
 0.05%
$50,000.00 to $99,999.99
 0.15%
$100,000.00 to $249,999.99
 0.35%
$250,000.00 to $499,999.99
 0.50%
$500,000.00 and over
 0.60%
Business NOW $1,000.00 to $2,499.99
 0.01%
$2,500.00 and over
 0.05%
UCB Community Checking $2,500.00 to $49,999.99
 0.05%
$50,000.00 to $99,999.99
 0.15%
$100,000.00 to $249,999.99
 0.35%
$250,000.00 to $499,999.99
 0.50%
$500,000.00 and over
 0.60%
*APY - Annual Percentage Yield      Variable Rate - Rates may change.
Fees may reduces earnings on account.   Minimum deposit of $100.00 to open account.
Federal regulations restrict the types of businesses eligible for NOW accounts.  Check with UCB for eligibility. 

Business Savings
Products Average Daily Balance to Obtain APY* APY*
Passbook Savings $0.00 and over 0.05%
Business Cash Management $0.00 to $9,999.99 0.05%
$10,000.00 to $49,999.99 0.10%
$50,000.00 to $99,999.99 0.15%
$100,000.00 and over 0.35%
*APY - Annual Percentage Yield      Variable Rate - Rates may change.
Fees may reduces earnings on account. Minimum deposit of $100.00 to open Business Passbook Savings account or $100.00 to open a Business Cash Management Account.  
For complete information and a full disclosure, please contact us.
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