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RATES
UNION BANK / RATE SHEET / EFFECTIVE DATE - May 08, 2008
CHECKING ACCOUNTS
|
| Type of Deposit |
Minimum Amount to Open Account |
Maturity |
Required Minimum Balance to Earn APY |
Interest Rate |
Annual Percentage Yield (APY) |
Compounding Frequency |
| NOW |
$500 |
|
$1000 |
0.20% |
0.20% |
Monthly |
| Hometown |
$100 |
|
$1000 |
0.20% |
0.20% |
Monthly |
| Hometown 50 |
$100 |
|
$1000 |
0.20% |
0.20% |
Monthly |
| Hometown Plus |
$100 |
|
$0 |
0.20% |
0.20% |
Monthly |
| Hometown 50 Plus |
$100 |
|
$0 |
0.20% |
0.20% |
Monthly |
| MMDA |
$1,000 |
|
$2,500 |
0.40% |
0.40% |
Monthly |
| MMDA Plus |
$10,000 |
|
$10,000 |
1.20% |
1.21% |
Monthly |
| MMDA Plus |
$10,000 |
|
$25,000 |
1.50% |
1.51% |
Monthly |
| MMDA Plus |
$10,000 |
|
$50,000 |
2.00% |
2.02% |
Monthly |
| MMDA Plus |
$10,000 |
|
$100,000 |
2.50% |
2.53% |
Monthly |
| MMDA Business |
$1,000 |
|
$2,500 |
0.60% |
0.60% |
Monthly |
| MMDA Business |
$1,000 |
|
$50,000 |
1.50% |
1.51% |
Monthly |
| MMDA Business |
$1,000 |
|
$100,000 |
1.80% |
1.83% |
Monthly |
SAVINGS ACCOUNTS
|
| Type of Deposit |
Minimum Amount to Open Account |
Maturity |
Required Minimum Balance to Earn APY |
Interest Rate |
Annual Percentage Yield (APY) |
Compounding Frequency |
| Regular Savings |
$50.00 |
|
$25.00 |
0.60% |
0.60% |
Quarterly |
| Statement Savings |
$50.00 |
|
$25.00 |
0.60% |
0.60% |
Quarterly |
| Student-Minor (under 21) Statement Savings |
$25.00 |
|
$25.00 |
0.60% |
0.60% |
Quarterly |
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| Christmas Club |
$1.00 |
|
$1.00 |
.75% |
.75% |
Annually |
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CERTIFICATE OF DEPOSITS
|
| Type of Deposit |
Minimum Amount to Open Account |
Maturity |
Required Minimum Balance to Earn APY |
Interest Rate |
Annual Percentage Yield (APY) |
Compounding Frequency |
| 6 Month |
$2,500 |
6 Months |
$2,500 |
2.40% |
2.42% |
Quarterly |
| 6 Month |
$50,000 |
6 Months |
$50,000 |
2.48% |
2.50% |
Quarterly |
| 6 Month |
$100,000 |
6 Months |
$100,000 |
2.55% |
2.57% |
Quarterly |
| 12 Month |
$1,000 |
12 Months |
$1,000 |
2.55% |
2.57% |
Quarterly |
| 12 Month |
$50,000 |
12 Months |
$50,000 |
2.63% |
2.66% |
Quarterly |
| 12 Month |
$100,000 |
12 Months |
$100,000 |
2.70% |
2.73% |
Quartelry |
| 24 Month |
$1,000 |
24 Months |
$1,000 |
2.75% |
2.78% |
Quarterly |
| 24 Month |
$50,000 |
24 Months |
$50,000 |
2.83% |
2.86% |
Quarterly |
| 24 Month |
$100,000 |
24 Months |
$100,000 |
2.90% |
2.93% |
Quarterly |
| 36 Month |
$1,000 |
36 Months |
$1,000 |
3.00% |
3.03% |
Quarterly |
| 36 Month |
$50,000 |
36 Months |
$50,000 |
3.08% |
3.12% |
Quarterly |
| 36 Month |
$100,000 |
36 Months |
$100,000 |
3.15% |
3.19% |
Quarterly |
| 48 Month |
$1,000 |
48 Months |
$1,000 |
3.65% |
3.70% |
Quarterly |
| 48 Month |
$50,000 |
48 Months |
$50,000 |
3.73% |
3.78% |
Quarterly |
| 48 Month |
$100,000 |
48 Months |
$100,000 |
3.80% |
3.85% |
Quarterly |
| 60 Month |
$1,000 |
60 Months |
$1,000 |
3.85% |
3.91% |
Quarterly |
| 60 Month |
$50,000 |
60 Months |
$50,000 |
3.93% |
3.99% |
Quarterly |
| 60 Month |
$100,000 |
60 Months |
$100,000 |
4.00% |
4.06% |
Quarterly |
OTHER CD RATES
|
| Type of Deposit |
Minimum Amount to Open Account |
Maturity |
Required Minimum Balance to Earn APY |
Interest Rate |
Annual Percentage Yield (APY) |
Compounding Frequency |
| 7 Month |
$2,500 |
7 Months |
$2,500 |
1.90% |
1.91% |
Quarterly |
| 9 Month |
$1,000 |
9 Months |
$1,000 |
1.90% |
1.91% |
Quarterly |
| 15 Month |
$1,000 |
15 Months |
$1,000 |
1.90% |
1.91% |
Quarterly |
| 16 Month |
$1,000 |
16 Months |
$1,000 |
1.90% |
1.91% |
Quarterly |
| 18 Month |
$1,000 |
18 Months |
$1,000 |
1.90% |
1.91% |
Quarterly |
| 29 Month |
$1,000 |
29 Months |
$1,000 |
1.90% |
1.91% |
Quarterly |
| 30 Month |
$1,000 |
30 Months |
$1,000 |
2.15% |
2.17% |
Quarterly |
| 42 Month |
$1000 |
42 Months |
$1,000 |
2.25% |
2.27% |
Quarterly |
| *APY (Annual Percentage Yield) |
| Any CD term that is evenly divisible by 3 can also be used as an IRA. |
| All other CD rates may be bumped 0.08% for CD's of $50,000 or more & 0.15 % for CD's of $100,000 or more. |
| Union Bank, Inc. A member of Hometown Bancshares, Inc. FDIC INSURED |
| Fees could reduce earnings and a penalty will or may be imposed for early withdrawal. |
| Rates may change after the account is opened for checking & saving accounts that have variable rates. |
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