Personal Banking Rates
Savings and Checking
Rates current as of 01/06/2026*
| Statement and Minor Savings | Interest Rate | APY** |
|---|---|---|
| $0-$999.99 | 0.05% | 0.05% |
| $1,000 and over | 0.10% |
0.10%
|
| NOW and Senior Checking | Interest Rate | APY** |
|---|---|---|
| $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 01/06/2026*
| Money Market | Interest Rate | APY** |
|---|---|---|
| $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 | Interest Rate | APY** |
|---|---|---|
| $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% |
***New Money Only
Available to new customers. Money market intro rate with a minimum deposit of $10,000 of money not currently on deposit with United Trust Bank. Future rates subject to change based on market conditions. Fees apply to account if average balance drops below $10,000. Fees could reduce earnings on your account. Bank reserves the right to modify or end this promotion at any time.
Available to new customers. Money market intro rate with a minimum deposit of $10,000 of money not currently on deposit with United Trust Bank. Future rates subject to change based on market conditions. Fees apply to account if average balance drops below $10,000. Fees could reduce earnings on your account. Bank reserves the right to modify or end this promotion at any time.
| ***New Money Only | Interest Rate | APY** |
|---|---|---|
| $10,000-99,999.99 | 3.83% | 3.90% |
| $100,000 and over | 3.92% | 4.00% |
Certificate of Deposits
Rates current as of 1/06/2026*
|
Certificate of Deposits & IRA |
Interest Rate | APY** |
|---|---|---|
| 6 Month Special | 3.39% | 3.45% |
| 12 Month Special | 3.49% | 3.55% |
| 18 Month Special | 3.00% | 3.05% |
| 24 Month Special | 2.76% | 2.80% |
| 36 Month Special | 2.57% | 2.60% |
| Certificate of Deposits & IRA Specials $150,000.00 - $250,000.00 |
Interest Rate | APY** |
|---|---|---|
| 6 Month Special | 3.59% | 3.65% |
| 12 Month Special | 3.68% | 3.75% |
| 18 Month Special | 3.20% | 3.25% |
| 24 Month Special | 2.96% | 3.00% |
| 36 Month Special | 2.76% | 2.80% |
All rates are subject to change.
** APY= Annual Percentage Yield
*** Penalty may be imposed for early withdrawal.
** 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”.