The best CD rates and accounts offer competitive APYs and a variety of term lengths. Whether from a bank or a credit union, CDs offer safety and growth. The best CD rates tend to be at online banks and credit unions. Many banks dropped their rates on CDs in response to the Federal Reserve's emergency rate cuts in March 2020. But you can still find. Union Bank's Rates page shows a maximum deposit of $100k, but CSR confirmed that the actual maximum deposit is just below $1 million. Rates as of February 26, 2021. While Union Bank offers the 18-23 month CD as an IRA, it earns 0.15% APY, regardless of minimum deposit.
Get a great rate on your account
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 Open Online | 0.20% | 0.30% |
9 months | 0.25% | 0.35% |
10 months | 0.30% | 0.40% |
11 months | 0.40% | 0.50% |
12 months Open Online | 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
***Variable Rate IRA rate is subject to change after the account is opened. No minimum balance required to open account or obtain APY.
Effective as of October 8, 2020
Checking account rates
Simply Free Plus checking$1000 minimum to open (when activity requirements met)** | ||
Balance | Interest Rate | APY* |
$0.01 to $100,000 | 0.70% | 0.70% |
Over $100,000 | 0.10% | 0.10% |
Simply Free Plus checking $1000 minimum to open (when activity requirements not met)** | ||
Balance | Interest Rate | APY* |
$0.01 or more | 0.05% | 0.05% |
Simply Free Platinum checking | ||
Balance | Interest Rate | APY* |
$100 to $4,999.99 | 0.05% | 0.05% |
$5,000 to $9,999.99 | 0.05% | 0.05% |
$10,000 to $24,999.99 | 0.05% | 0.05% |
$25,000 and over | 0.05% | 0.05% |
You must maintain a daily minimum balance of $100 to obtain the APY.
*The Annual Percentage Yield (APY) is based on monthly compounding. Rates subject to change at any time. Special restrictions may apply. Minimum opening balance is $1000 unless noted otherwise. Fees may reduce earnings.
**Statement cycle activity requirements: 12 debit card purchases posted (excludes ATM transactions), receive e-Statements via online banking (requires ongoing valid email address), access online banking, direct deposit posted.
Effective as of October 8, 2020
Money market and savings rates
Value Edge Money Market Account $10,000 minimum to open | |||||
Balance | Interest Rate | APY* | |||
Less than $10,000 | 0.05% | 0.05% | |||
$10,000 to $49,999.99 | 0.10% | 0.10% | |||
$50,000 to $249,999.99 | 0.15% | 0.15% | |||
$250,000 to $499,999.99 | 0.20% | 0.20% | |||
$500,000 and over | 0.20% | 0.20% |
Union Money Fund $50 minimum to open | ||||
Balance | Interest Rate | APY* | ||
$2,500 to $4,999.99 | 0.05% | 0.05% | ||
$5,000 to $24,999.99 | 0.05% | 0.05% | ||
$25,000 to $49,999.99 | 0.10% | 0.10% | ||
$50,000 to $99,999.99 | 0.15% | 0.15% | ||
$100,000 and over | 0.15% | 0.15% | ||
You must maintain a daily minimum balance of $2,500 to obtain the APY. |
Simply Savings account $25 minimum to open | ||||
Balance | Interest Rate | APY* | ||
$0.01 or more | 0.05% | 0.05% |
Simply Savings Student account $25 minimum to open | ||||
Balance | Interest Rate | APY* | ||
$0.01 or more | 0.20% | 0.20% |
*The Annual Percentage Yield (APY) is based on monthly compounding. Rates subject to change at any time. Special restrictions may apply. Fees may reduce earnings.
Effective as of October 8, 2020
Health savings account rates
Union Bank Cd Rates 18 Months
Balance | Interest Rate | APY* |
---|---|---|
Less than $2,500 | 0.05% | 0.05% |
$2,500 to $9,999.99 | 0.10% | 0.10% |
$10,000 to $24,999.99 | 0.20% | 0.20% |
$25,000 and over | 0.40% | 0.40% |
*The Annual Percentage Yield (APY) is based on monthly compounding. Rates subject to change at any time. Special restrictions may apply. Fees may reduce earnings.
Available to residents nationwide, Union Bank has a wide array of products to meet your individual needs. Ranging from Checking, Savings, CDs, and loans. Union Bank has some exceptional CD Rates, current noteworthy ones are their 2.90% APY 18-23 Month CD!
With a unique selection of lengths to choose from, you can be sure to find an account that best fits all your banking needs. Not only do you get an account, but you can also take advantage of a low required minimum balance of just $10,000 on selected CD terms. You might even find yourself earning more than a regular savings account. If you are interested, be sure to apply as soon as you can to start your new account experience!
CIT BANK CD TERM | RATE | LINK |
12-Month Term | 0.30% APY | Apply Now |
13-Month Term | 0.35% APY | Apply Now |
18-Month Term | 0.30% APY | Apply Now |
4-Year Term | 0.50% APY | Apply Now |
Table of Contents
Union Bank CD Information:
CDs are a certificate issued by a bank to a person depositing money for a specified length of time and usually the longer of a term is – the higher APY rate you make! Union Bank pays the highest APY rate with 2.90% APY 18-23 Month CD Rates which is also their current promotion.With as little as $10,000, you can invest in a CD account and maximize your earnings. Compare their offering now to find the solutions that fit best with your savings goals. If you’re interested in making a higher rate than a traditional savings account then make sure to check out below CD rates.
CD Specials:
Term | APY Rate | Minimum Deposit |
18-23 Month | 2.90% | $10,000 |
Certificates of Deposit Rates:
Term | APY Rate | Minimum Deposit |
7 – 31 Day | 0.05% | $2,500 |
32 – 89 Day | 0.05% | $350 |
90 – 179 Day | 0.05% | $350 |
180 – 364 Day | 0.05% | $350 |
12 -17 Month | 0.15% | $350 |
18 – 23 Month | 0.15% | $350 |
24 – 35 Month | 0.20% | $350 |
36 – 47 Month | 0.35% | $350 |
48 – 59 Month | 0.40% | $350 |
60 Month CD | 0.50% | $350 |
Rates effective as of 10/24/2018
CD Features:
- 24/7 access to your account online
- No monthly maintenance fee
- A low $350 minimum for standard
- FDIC Insured
Union Bank Cd Rates August 2019
Bottom Line:
Union Bank maximize your earnings. Certificates of Deposit and IRAs are excellent financial tools for preparing for retirement. More than focusing on the community, Union Bank makes sure that you can benefit from high competitive rates for the term of the certificate, and so, you can earn a 2.90% APY 18 to 23-month CD rate!
Since CDs are FDIC-insured, you’ll enjoy the security of a savings account with the higher interest associated with an investment. With a CD, your savings are invested at a set rate for a specified period of time. Though this is a pretty decent rate, there are so many other CD rates that you can try! If you’re looking to invest with a different bank, you can find more of the Best CD Ratesin the country from the HMB list!
Union Bank Cd Rates California Today
Disclaimer: Rates / APY terms above are current as of the date indicated. These quotes are from banks, credit unions and thrifts. Bank, thrift and credit union deposits are insured by the FDIC or NCUA. Contact the bank for the terms and conditions that may apply to you. Rates are subject to change without notice and may not be the same at all branches.[table “217” not found /]Related posts: