RATES
UNION BANK / RATE SHEET / EFFECTIVE DATE - April 10, 2013
| 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 | 0.03% | 0.03% | Monthly | |
| Hometown | $100 | $1000 | 0.03% | 0.03% | Monthly | |
| Hometown 50 | $100 | $1000 | 0.03% | 0.03% | Monthly | |
| Hometown Plus | $100 | $0 | 0.03% | 0.03% | Monthly | |
| Hometown 50 Plus | $100 | $0 | 0.03% | 0.03% | Monthly | |
| MMDA | $1,000 | $2,500 | 0.10% | 0.10% | Monthly | |
| MMDA Plus | $10,000 | $10,000 | 0.10% | 0.10% | Monthly | |
| MMDA Plus | $10,000 | $25,000 | 0.15% | 0.15% | Monthly | |
| MMDA Plus | $10,000 | $50,000 | 0.18% | 0.18% | Monthly | |
| MMDA Plus | $10,000 | $100,000 | 0.28% | 0.28% | Monthly | |
| MMDA Business | $1,000 | $2,500 | 0.05% | 0.05% | Monthly | |
| MMDA Business | $1,000 | $50,000 | 0.18% | 0.18% | Monthly | |
| MMDA Business | $1,000 | $100,000 | 0.28 % | 0.28% | Monthly |
| 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 | 0.07% | 0.07% | Quarterly | |
| Statement Savings | $50.00 | $25.00 | 0.07% | 0.07% | Quarterly | |
| Student-Minor (under 21) Statement Savings | $25.00 | $25.00 | 0.07% | 0.07% | Quarterly | |
| Christmas Club | $1.00 | $1.00 | 0.10% | 0.10% | Annually |
| Type of Deposit | Minimum Amount to Open Account | Maturity | Minimum Balance | Interest Rate | Annual Percentage Yield (APY) | Compounding Frequency |
|---|---|---|---|---|---|---|
| To be a preferred customer the customer must have a DDA account with Union Bank and the CD interest must be deposited into the account or compounded to the CD. | ||||||
| 6 Months | $2,500 | 6 Months | $2,500 | .15% | .15% | Quarterly |
| 6 Months | $50,000 | 6 Months | $50,000 | .20% | .20% | Quarterly |
| 6 Months | $100,000 | 6 Months | $100,000 | .25% | .25% | Quarterly |
| 7 Months | $2,500 | 7 Months | $2,500 | .10% | .10% | Quarterly |
| 7 Month | $50,000 | 7 Months | $50,000 | .15% | .15% | Quarterly |
| 7 Month | $100,000 | 7 Months | $100,000 | .20% | .20% | Quarterly |
| 9 Months | $1,000 | 9 Months | $1,000 | .10% | .10% | Quarterly |
| 9 Month | $50,000 | 9 Months | $50,000 | .15% | .15% | Quarterly |
| 9 Month | $100,000 | 9 Months | $100,000 | .20% | .20% | Quarterly |
| 12 Months | $1,000 | 12 Months | $1,000 | .30% | .30% | Quarterly |
| 12 Months | $50,000 | 12 Months | $50,000 | .35% | .35% | Quarterly |
| 12 Months | $100,000 | 12 Months | $100,000 | .40% | .40% | Quarterly |
| 15 Months | $1,000 | 15 Months | $1,000 | .10% | .10% | Quarterly |
| 15 Month | $50,000 | 15 Months | $50,000 | .15% | .15% | Quarterly |
| 15 Month | $100,000 | 15 Months | $100,000 | .20% | .20% | Quarterly |
| 16 Months | $1,000 | 16 Months | $1,000 | .10% | .10% | Quarterly |
| 16 Months | $50,000 | 16 Months | $50,000 | .15% | .15% | Quarterly |
| 16 Months | $100,000 | 16 Months | $100,000 | .20% | .20% | Quarterly |
| 18 Months | $1,000 | 18 Months | $1,000 | .45% | .45% | Quarterly |
| 18 Months | $50,000 | 18 Months | $50,000 | .50% | .50% | Quarterly |
| 18 Months | $100,000 | 18 Months | $100,000 | .55% | .55% | Quarterly |
| 24 Months | $1,000 | 24 Months | $1,000 | .45% | .45% | Quarterly |
| 24 Months | $50,000 | 24 Months | $50,000 | .50% | .50% | Quarterly |
| 24 Months | $100,000 | 24 Months | $100,000 | .55% | .55% | Quarterly |
| 29 Months | $1,000 | 29 Months | $1,000 | .55% | .55% | Quarterly |
| 29 Months | $50,000 | 29 Months | $50,000 | .60% | .60% | Quarterly |
| 29 Months | $100,000 | 29 Months | $100,000 | .65% | .65% | Quarterly |
| 30 Months | $1,000 | 30 Months | $1,000 | .55% | .55% | Quarterly |
| 30 Month | $50,000 | 30 Months | $50,000 | .60% | .60% | Quarterly |
| 30 Month | $100,000 | 30 Months | $100,000 | .65% | .65% | Quarterly |
| 36 Months | $1,000 | 36 Months | $1,000 | .65% | .65% | Quarterly |
| 36 Months | $50,000 | 36 Months | $50,000 | .70% | .70% | Quarterly |
| 36 Months | $100,000 | 36 Months | $100,000 | .75% | .75% | Quarterly |
| 42 Months | $1,000 | 42 Months | $1,000 | .70% | .70% | Quarterly |
| 42 Month | $50,000 | 42 Months | $50,000 | .75% | .75% | Quarterly |
| 42 Month | $100,000 | 42 Months | $100,000 | .80% | .80% | Quarterly |
| 48 Months | $1,000 | 48 Months | $1,000 | .65% | .65% | Quarterly |
| 48 Months | $50,000 | 48 Months | $50,000 | .70% | .70% | Quarterly |
| 48 Months | $100,000 | 48 Months | $100,000 | .75% | .75% | Quarterly |
| 60 Months | $1,000 | 60 Months | $1,000 | .65% | .65% | Quarterly |
| 60 Months | $50,000 | 60 Months | $50,000 | .70% | .70% | Quarterly |
| 60 Months | $100,000 | 60 Months | $100,000 | .75% | .75% | Quarterly |
| 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 | .10% | .10% | Quarterly |
| 6 Month | $50,000 | 6 Months | $50,000 | .15% | .15% | Quarterly |
| 6 Month | $100,000 | 6 Months | $100,000 | .20% | .20% | Quarterly |
| 7 Month | $2,500 | 7 Months | $2,500 | .05% | .05% | Quarterly |
| 7 Month | $50,000 | 7 Months | $50,000 | .10% | .10% | Quarterly |
| 7 Month | $100,000 | 7 Months | $100,000 | .15% | .15% | Quarterly |
| 9 Month | $1,000 | 9 Months | $1,000 | .05% | .05% | Quarterly |
| 9 Month | $50,000 | 9 Months | $50,000 | .10% | .10% | Quarterly |
| 9 Month | $100,000 | 9 Months | $100,000 | .15% | .15% | Quarterly |
| 12 Month | $1,000 | 12 Months | $1,000 | .25% | .25% | Quarterly |
| 12 Month | $50,000 | 12 Months | $50,000 | .30% | .30% | Quarterly |
| 12 Month | $100,000 | 12 Months | $100,000 | .35% | .35% | Quartelry |
| 15 Month | $1,000 | 15 Months | $1,000 | .05% | .05% | Quarterly |
| 15 Month | $50,000 | 15 Months | $50,000 | .10% | .10% | Quarterly |
| 15 Month | $100,000 | 15 Months | $100,000 | .15% | .15% | Quarterly |
| 16 Month | $1,000 | 16 Months | $1,000 | .05% | .05% | Quarterly |
| 16 Month | $50,000 | 16 Months | $50,000 | .10% | .10% | Quarterly |
| 16 Month | $100,000 | 16 Months | $100,000 | .15% | .15% | Quarterly |
| 18 Month | $1,000 | 18 Months | $1,000 | .40% | .40% | Quarterly |
| 18 Month | $50,000 | 18 Months | $50,000 | .45% | .45% | Quarterly |
| 18 Month | $100,000 | 18 Months | $100,000 | .50% | .50% | Quarterly |
| 24 Month | $1,000 | 24 Months | $1,000 | .40% | .40% | Quarterly |
| 24 Month | $50,000 | 24 Months | $50,000 | .45% | .45% | Quarterly |
| 24 Month | $100,000 | 24 Months | $100,000 | .50% | .50% | Quarterly |
| 29 Month | $1,000 | 29 Months | $1,000 | .50% | .50% | Quarterly |
| 29 Month | $50,000 | 29 Months | $50,000 | .55% | .55% | Quarterly |
| 29 Month | $100,000 | 29 Months | $100,000 | .60% | .60% | Quarterly |
| 30 Month | $1,000 | 30 Months | $1,000 | .50% | .50% | Quarterly |
| 30 Month | $50,000 | 30 Months | $50,000 | .55% | .55% | Quarterly |
| 30 Month | $100,000 | 30 Months | $100,000 | .60% | .60% | Quarterly |
| 36 Month | $1,000 | 36 Months | $1,000 | .60% | .60% | Quarterly |
| 36 Month | $50,000 | 36 Months | $50,000 | .65% | .65% | Quarterly |
| 36 Month | $100,000 | 36 Months | $100,000 | .70% | .70% | Quarterly |
| 42 Month | $1000 | 42 Months | $1,000 | .65% | .65% | Quarterly |
| 42 Month | $50,000 | 42 Months | $50,000 | .70% | .70% | Quarterly |
| 42 Month | $100,000 | 42 Months | $100,000 | .75% | .75% | Quarterly |
| 48 Month | $1,000 | 48 Months | $1,000 | .60% | .60% | Quarterly |
| 48 Month | $50,000 | 48 Months | $50,000 | .65% | .65% | Quarterly |
| 48 Month | $100,000 | 48 Months | $100,000 | .70% | .70% | Quarterly |
| 60 Month | $1,000 | 60 Months | $1,000 | .60% | .60% | Quarterly |
| 60 Month | $50,000 | 60 Months | $50,000 | .65% | .65% | Quarterly |
| 60 Month | $100,000 | 60 Months | $100,000 | .70% | .70% | Quarterly |
Any CD term that is evenly divisible by 3 can also be used as an IRA.
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.
*APY (Annual Percentage Yield)