* 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 02/06/2024*


INTEREST Rate APY**
$0-$999.99 0.05% 0.05%
$1,000 AND OVER 0.10% 0.10%



$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 02/06/2024*


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%
$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%
$0-99,999.99 4.15% 4.24%
$100,000 AND OVER 4.25% 4.34%

Certificate of Deposits 

Rates current as of 02/06/2024*


INTEREST Rate APY**



6 Month 5.25% 5.39%
12 Month 5.15% 5.28%
18 Month 5.10% 5.23%
24 Month 4.90% 5.02%
36 Month 4.70% 4.81%






6 Month Special ($3,000 Minimum Deposit) 5.15% 5.39%
12 Month Special ($3,000 Minimum Deposit)  5.15% 5.28%
18 Month Special ($3,000 Minimum Deposit) 5.10% 5.23%
                          24 Month Special ($3,000 Minimum Deposit)                                        4.90%                   5.02%
36 Month Special ($5,000 Minimum Deposit) 4.70% 4.81%