Checking Accounts
|
Type of Deposit
|
Minimum Amount to Open Account
|
Required Minimum Balance to Earn APY
|
Interest Rate
|
Annual Percentage Yield (APY)
|
Compounding Frequency
|
|---|
|
Hometown Everyday
|
$100
|
$1.00*
|
1.00%
|
1.00%
|
Monthly
|
|
*Interest earned on balance of $5,000 and below
|
|
Hometown Everyday Plus
|
$1,000
|
$5,000**
|
1.25%
|
1.25%
|
Monthly
|
|
** Interest earned on balance of $5,000 and above (not the balance up to $4,999.99)
|
|
MMDA
|
$1,000
|
$2,500
|
0.03%
|
0.03%
|
Monthly
|
|
MMDA Plus
|
$10,000
|
$10,000
|
1.00%
|
1.00%
|
Monthly
|
|
MMDA Plus
|
$10,000
|
$25,000
|
2.50%
|
2.53%
|
Monthly
|
|
MMDA Plus
|
$10,000
|
$50,000
|
3.00%
|
3.04%
|
Monthly
|
|
MMDA Plus
|
$10,000
|
$100,000
|
3.25%
|
3.30%
|
Monthly
|
|
MMDA Plus
|
$10,000
|
$250,000
|
3.50%
|
3.56%
|
Monthly
|
|
MMDA Business
|
$1,000
|
$2,500
|
1.00%
|
1.00%
|
Monthly
|
|
MMDA Business
|
$1,000
|
$50,000
|
3.00%
|
3.04%
|
Monthly
|
|
MMDA Business
|
$1,000
|
$100,000
|
3.25%
|
3.30%
|
Monthly
|
|
MMDA Business
|
$1,000
|
$250,000
|
3.50%
|
3.56%
|
Monthly
|
Savings Accounts
|
Type of Deposit
|
Minimum Amount to Open Account
|
Required Minimum Balance to Earn APY
|
Interest Rate
|
Annual Percentage Yield (APY)
|
Compounding Frequency
|
|---|
|
Regular Savings
|
$50.00
|
$25.00
|
0.04%
|
0.04%
|
Quarterly
|
|
Statement Savings
|
$50.00
|
$25.00
|
0.04%
|
0.04%
|
Quarterly
|
|
Student-Minor (under 21) Statement Savings
|
$25.00
|
$25.00
|
0.04%
|
0.04%
|
Quarterly
|
|
Christmas Club
|
$1.00
|
$1.00
|
0.04%
|
0.04%
|
Annually
|
Preferred Customer CD Rates
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.
|
Term of Deposit
|
Minimum Amount to Open Account
|
Maturity
|
Minimum Balance
|
Interest Rate
|
Annual Percentage Yield (APY)
|
Compounding Frequency
|
|---|
|
6 Months
|
$2,500
|
6 Months
|
$2,500
|
4.40%
|
4.47%
|
Quarterly
|
|
6 Months
|
$50,000
|
6 Months
|
$50,000
|
4.45%
|
4.53%
|
Quarterly
|
|
6 Months
|
$100,000
|
6 Months
|
$100,000
|
4.50%
|
4.58%
|
Quarterly
|
|
7 Months
|
$2,500
|
7 Months
|
$2,500
|
.06%
|
.06%
|
Quarterly
|
|
7 Months
|
$50,000
|
7 Months
|
$50,000
|
.10%
|
.10%
|
Quarterly
|
|
7 Months
|
$100,000
|
7 Months
|
$100,000
|
.15%
|
.15%
|
Quarterly
|
|
9 Months
|
$1,000
|
9 Months
|
$1,000
|
.06%
|
.06%
|
Quarterly
|
|
9 Months
|
$50,000
|
9 Months
|
$50,000
|
.10%
|
.10%
|
Quarterly
|
|
9 Months
|
$100,000
|
9 Months
|
$100,000
|
.15%
|
.15%
|
Quarterly
|
|
12 Months
|
$1,000
|
12 Months
|
$1,000
|
4.00%
|
4.06%
|
Quarterly
|
|
12 Months
|
$50,000
|
12 Months
|
$50,000
|
4.05%
|
4.11%
|
Quarterly
|
|
12 Months
|
$100,000
|
12 Months
|
$100,000
|
4.10%
|
4.16%
|
Quarterly
|
|
15 Months
|
$1,000
|
15 Months
|
$1,000
|
.10%
|
.10%
|
Quarterly
|
|
15 Months
|
$50,000
|
15 Months
|
$50,000
|
.15%
|
.15%
|
Quarterly
|
|
15 Months
|
$100,000
|
15 Months
|
$100,000
|
.20%
|
.20%
|
Quarterly
|
|
16 Months
|
$1,000
|
16 Months
|
$1,000
|
.06%
|
.06%
|
Quarterly
|
|
16 Months
|
$50,000
|
16 Months
|
$50,000
|
.10%
|
.10%
|
Quarterly
|
|
16 Months
|
$100,000
|
16 Months
|
$100,000
|
.15%
|
.15%
|
Quarterly
|
|
18 Months
|
$1,000
|
18 Months
|
$1,000
|
.15%
|
.15%
|
Quarterly
|
|
18 Months
|
$50,000
|
18 Months
|
$50,000
|
.20%
|
.20%
|
Quarterly
|
|
18 Months
|
$100,000
|
18 Months
|
$100,000
|
.25%
|
.25%
|
Quarterly
|
|
24 Months
|
$1,000
|
24 Months
|
$1,000
|
.25%
|
.25%
|
Quarterly
|
|
24 Months
|
$50,000
|
24 Months
|
$50,000
|
.30%
|
.30%
|
Quarterly
|
|
24 Months
|
$100,000
|
24 Months
|
$100,000
|
.35%
|
.35%
|
Quarterly
|
|
29 Months
|
$1,000
|
29 Months
|
$1,000
|
.25%
|
.25%
|
Quarterly
|
|
29 Months
|
$50,000
|
29 Months
|
$50,000
|
.30%
|
.30%
|
Quarterly
|
|
29 Months
|
$100,000
|
29 Months
|
$100,000
|
.35%
|
.35%
|
Quarterly
|
|
30 Months
|
$1,000
|
30 Months
|
$1,000
|
.25%
|
.25% |
Quarterly
|
|
30 Months
|
$50,000
|
30 Months
|
$50,000
|
.30% |
.30% |
Quarterly
|
|
30 Months
|
$100,000
|
30 Months
|
$100,000
|
.35%
|
.35%
|
Quarterly
|
|
36 Months
|
$1,000
|
36 Months
|
$1,000
|
.30%
|
.30%
|
Quarterly
|
|
36 Months
|
$50,000
|
36 Months
|
$50,000
|
.35%
|
.35%
|
Quarterly
|
|
36 Months
|
$100,000
|
36 Months
|
$100,000
|
.40%
|
.40%
|
Quarterly
|
|
42 Months
|
$1,000
|
42 Months
|
$1,000
|
.39%
|
.39%
|
Quarterly
|
|
42 Months
|
$50,000
|
42 Months
|
$50,000
|
.44%
|
.44%
|
Quarterly
|
|
42 Months
|
$100,000
|
42 Months
|
$100,000
|
.49%
|
.49%
|
Quarterly
|
|
48 Months
|
$1,000
|
48 Months
|
$1,000
|
.39%
|
.39%
|
Quarterly
|
|
48 Months
|
$50,000
|
48 Months
|
$50,000
|
.44%
|
.44%
|
Quarterly
|
|
48 Months
|
$100,000
|
48 Months
|
$100,000
|
.49%
|
.49%
|
Quarterly
|
|
54 Months
|
$1,000
|
54 Months
|
$1,000
|
.39%
|
.39%
|
Quarterly
|
|
54 Months
|
$50,000
|
54 Months
|
$50,000
|
.44%
|
.44%
|
Quarterly
|
|
54 Months
|
$100,000
|
54 Months
|
$100,000
|
.49%
|
.49%
|
Quarterly
|
|
60 Months
|
$1,000
|
60 Months
|
$1,000
|
.39%
|
.39%
|
Quarterly
|
|
60 Months
|
$50,000
|
60 Months
|
$50,000
|
.44%
|
.44%
|
Quarterly
|
|
60 Months
|
$100,000
|
60 Months
|
$100,000
|
.49%
|
.49%
|
Quarterly
|
Certificate of Deposits
|
Term of Deposit
|
Minimum Amount to Open Account
|
Maturity
|
Minimum Balance
|
Interest Rate
|
Annual Percentage Yield (APY)
|
Compounding Frequency
|
|---|
|
6 Months
|
$2,500
|
6 Months
|
$2,500
|
4.35%
|
4.42%
|
Quarterly
|
|
6 Months
|
$50,000
|
6 Months
|
$50,000
|
4.40%
|
4.47%
|
Quarterly
|
|
6 Months
|
$100,000
|
6 Months
|
$100,000
|
4.45%
|
4.53%
|
Quarterly
|
|
7 Months
|
$2,500
|
7 Months
|
$2,500
|
.01%
|
.01%
|
Quarterly
|
|
7 Months
|
$50,000
|
7 Months
|
$50,000
|
.05%
|
.05%
|
Quarterly
|
|
7 Months
|
$100,000
|
7 Months
|
$100,000
|
.10%
|
.10%
|
Quarterly
|
|
9 Months
|
$1,000
|
9 Months
|
$1,000
|
.01%
|
.01%
|
Quarterly
|
|
9 Months
|
$50,000
|
9 Months
|
$50,000
|
.05%
|
.05%
|
Quarterly
|
|
9 Months
|
$100,000
|
9 Months
|
$100,000
|
.10%
|
.10%
|
Quarterly
|
|
12 Months
|
$1,000
|
12 Months
|
$1,000
|
3.95%
|
4.01%
|
Quarterly
|
|
12 Months
|
$50,000
|
12 Months
|
$50,000
|
4.00%
|
4.06%
|
Quarterly
|
|
12 Months
|
$100,000
|
12 Months
|
$100,000
|
4.05%
|
4.11%
|
Quarterly
|
|
15 Months
|
$1,000
|
15 Months
|
$1,000
|
.05%
|
.05%
|
Quarterly
|
|
15 Months
|
$50,000
|
15 Months
|
$50,000
|
.10%
|
.10%
|
Quarterly
|
|
15 Months
|
$100,000
|
15 Months
|
$100,000
|
.15%
|
.15%
|
Quarterly
|
|
16 Months
|
$1,000
|
16 Months
|
$1,000
|
.01%
|
.01%
|
Quarterly
|
|
16 Months
|
$50,000
|
16 Months
|
$50,000
|
.05%
|
.05%
|
Quarterly
|
|
16 Months
|
$100,000
|
16 Months
|
$100,000
|
.10%
|
.10%
|
Quarterly
|
|
18 Months
|
$1,000
|
18 Months
|
$1,000
|
.10%
|
.10%
|
Quarterly
|
|
18 Months
|
$50,000
|
18 Months
|
$50,000
|
.15%
|
.15%
|
Quarterly
|
|
18 Months
|
$100,000
|
18 Months
|
$100,000
|
.20%
|
.20%
|
Quarterly
|
|
24 Months
|
$1,000
|
24 Months
|
$1,000
|
.20%
|
.20%
|
Quarterly
|
|
24 Months
|
$50,000
|
24 Months
|
$50,000
|
.25%
|
.25%
|
Quarterly
|
|
24 Months
|
$100,000
|
24 Months
|
$100,000
|
.30%
|
.30%
|
Quarterly
|
|
29 Months
|
$1,000
|
29 Months
|
$1,000
|
.20%
|
.20%
|
Quarterly
|
|
29 Months
|
$50,000
|
29 Months
|
$50,000
|
.25%
|
.25%
|
Quarterly
|
|
29 Months
|
$100,000
|
29 Months
|
$100,000
|
.30%
|
.30%
|
Quarterly
|
|
30 Months
|
$1,000
|
30 Months
|
$1,000
|
.20%
|
.20% |
Quarterly
|
|
30 Months
|
$50,000
|
30 Months
|
$50,000
|
.25% |
.25% |
Quarterly
|
|
30 Months
|
$100,000
|
30 Months
|
$100,000
|
.30%
|
.30%
|
Quarterly
|
|
36 Months
|
$1,000
|
36 Months
|
$1,000
|
.25%
|
.25%
|
Quarterly
|
|
36 Months
|
$50,000
|
36 Months
|
$50,000
|
.30%
|
.30%
|
Quarterly
|
|
36 Months
|
$100,000
|
36 Months
|
$100,000
|
.35%
|
.35%
|
Quarterly
|
|
42 Months
|
$1,000
|
42 Months
|
$1,000
|
.34%
|
.34%
|
Quarterly
|
|
42 Months
|
$50,000
|
42 Months
|
$50,000
|
.37%
|
.37%
|
Quarterly
|
|
42 Months
|
$100,000
|
42 Months
|
$100,000
|
.44%
|
.44%
|
Quarterly
|
|
48 Months
|
$1,000
|
48 Months
|
$1,000
|
.34%
|
.34%
|
Quarterly
|
|
48 Months
|
$50,000
|
48 Months
|
$50,000
|
.39%
|
.39%
|
Quarterly
|
|
48 Months
|
$100,000
|
48 Months
|
$100,000
|
.44%
|
.44%
|
Quarterly
|
|
54 Months
|
$1,000
|
54 Months
|
$1,000
|
.34%
|
.34%
|
Quarterly
|
|
54 Months
|
$50,000
|
54 Months
|
$50,000
|
.39%
|
.39%
|
Quarterly
|
|
54 Months
|
$100,000
|
54 Months
|
$100,000
|
.44%
|
.44%
|
Quarterly
|
|
60 Months
|
$1,000
|
60 Months
|
$1,000
|
.34%
|
.34%
|
Quarterly
|
|
60 Months
|
$50,000
|
60 Months
|
$50,000
|
.39%
|
.39%
|
Quarterly
|
|
60 Months
|
$100,000
|
60 Months
|
$100,000
|
.44%
|
.44%
|
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)
|