* All rates are subject to change. ** APY= Annual Percentage Yield *** Penalty may be imposed for early withdrawal.
Interest rates and Annual Percentage Yield are variable and subject to change at any time at the discretion of UTB. We are “Member of FDIC”.
For more information on each deposit account product (e.g., Minimum deposit amount to open, Monthly Service Fee, additional features), click/select the deposit product name to link to the deposit account product information page.
Savings and Checking
Rates current as of 09/01/2023*
| INTEREST Rate | APY** | |
|---|---|---|
Statement and Minor Savings |
||
| $0-$999.99 | 0.05% | 0.05% |
| $1,000 AND OVER | 0.10% | 0.10% |
NOW and Senior Checking |
||
| $0-$2,499.99 | 0.07% | 0.07% |
| $2,500-$4,999.99 | 0.08% | 0.08% |
| $5,000-$7,499.99 | 0.10% | 0.10% |
| $7,500-$9,999.99 | 0.11% | 0.11% |
| $10,000 AND OVER | 0.12% | 0.12% |
Money Market
Rates current as of 09/01/2023*
| INTEREST Rate | APY** | |
|---|---|---|
Money Market |
||
| $0-$9,999.99 | 0.10% | 0.10% |
| $10,000-$19,999.99 | 0.18% | 0.18% |
| $20,000 AND OVER | 0.22% | 0.22% |
Premium Money Market |
||
| $0-$9,999.99 | 0.10% | 0.10% |
| $10,000-$19,999.99 | 0.18% | 0.18% |
| $20,000-$24,999.99 | 0.22% | 0.22% |
| $25,000 AND OVER | 0.28% | 0.28% |
Premium Money Market SPECIAL*** |
||
| $10,000-99,999.99 | 4.15% | 4.23% |
| $100,000 AND OVER | 4.25% | 4.33% |
Certificate of Deposits
Rates current as of 4/2/2024*
| INTEREST Rate | APY** | |
|---|---|---|
Certificate of Deposits & IRA
|
||
| 6 Month | 2.50% | 2.53% |
| 12 Month | 2.50% | 2.53% |
| 18 Month | 2.50% | 2.53% |
| 24 Month | 2.50% | 2.53% |
| 36 Month | 2.50% | 2.53% |
Certificate of Deposits & IRA SPECIALS
|
||
| 6 Month Special ($5,000 Minimum Deposit) | 4.90% | 5.02% |
| 12 Month Special ($5,000 Minimum Deposit) | 4.80% | 4.92% |
| 18 Month Special($5,000 minimum Deposit) | 4.70% | 4.81% |
| 24 Month Special ($5,000 Minimum Deposit) | 4.35% | 4.45% |
| 36 Month Special ($5,000 Minimum Deposit) | 4.25% | 4.34% |