Rates

Effective Date - June 1, 2018

Checking Accounts

Type of Deposit

Minimum Amount to Open Account

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

0.08%

0.08%

Monthly

MMDA Plus

$10,000

$25,000

0.12%

0.12%

Monthly

MMDA Plus

$10,000

$50,000

0.15%

0.15%

Monthly

MMDA Plus

$10,000

$100,000

0.22%

0.22%

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

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

0.07%

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

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

.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 Months

$50,000

7 Months

$50,000

.15%

.15%

Quarterly

7 Months

$100,000

7 Months

$100,000

.20%

.20%

Quarterly

9 Months

$1,000

9 Months

$1,000

.10%

.10%

Quarterly

9 Months

$50,000

9 Months

$50,000

.15%

.15%

Quarterly

9 Months

$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

1.05%

1.05%

Quarterly

15 Months

$50,000

15 Months

$50,000

1.10%

1.11%

Quarterly

15 Months

$100,000

15 Months

$100,000

1.15%

1.16%

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

.40%

.40%

Quarterly

24 Months

$50,000

24 Months

$50,000

.45%

.45%

Quarterly

24 Months

$100,000

24 Months

$100,000

.50%

.50%

Quarterly

29 Months

$1,000

29 Months

$1,000

.50%

.50%

Quarterly

29 Months

$50,000

29 Months

$50,000

.55%

 .55%

Quarterly

29 Months

$100,000

29 Months

$100,000

.60%

 .60%

Quarterly

30 Months

$1,000

30 Months

$1,000

1.25%

1.26%

Quarterly

30 Months

$50,000

30 Months

$50,000

1.30% 1.31%

Quarterly

30 Months

$100,000

30 Months

$100,000

1.35%

1.36%

Quarterly

36 Months

$1,000

36 Months

$1,000

.60%

.60%

Quarterly

36 Months 

$50,000

36 Months

$50,000

.65%

.65%

Quarterly

 36 Months

$100,000

36 Months 

$100,000

.70%

.70%

Quarterly

42 Months

$1,000

42 Months

$1,000

 .65%

 .65%

Quarterly

42 Months

$50,000

42 Months

$50,000

.70%

.70%

Quarterly

42 Months

$100,000

42 Months

$100,000

.75%

.75%

Quarterly

48 Months

$1,000

48 Months

$1,000

.60%

.60%

Quarterly

48 Months

$50,000

48 Months

$50,000

.65% 

.65%

Quarterly

48 Months

$100,000

48 Months

$100,000

.70%

.70%

Quarterly

54 Months

$1,000

54 Months

$1,000

2.40%

2.42%

Quarterly

54 Months

$50,000

54 Months

$50,000

2.45%

2.47%

Quarterly

54 Months

$100,000

54 Months

$100,000

2.50%

2.52%

Quarterly

60 Months

$1,000

60 Months

$1,000

.60%

.60%

Quarterly

60 Months

$50,000

60 Months 

$50,000

.65%

.65%

Quarterly

60 Months

$100,000

60 Months 

$100,000

.70%

.70%

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

.10%

.10%

Quarterly

6 Months

$50,000

6 Months

$50,000

.15%

.15%

Quarterly

6 Months

$100,000

6 Months

$100,000

.20%

.20%

Quarterly

7 Months

$2,500

7 Months

$2,500

.05%

.05%

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

.05%

.05%

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

.25%

.25%

Quarterly

12 Months

$50,000

12 Months

$50,000

.30%

.30%

Quarterly

12 Months

$100,000

12 Months

$100,000

.35%

.35%

Quarterly

15 Months

$1,000

15 Months

$1,000

1.00%

1.00%

Quarterly

15 Months

$50,000

15 Months

$50,000

1.05%

1.06%

Quarterly

15 Months

$100,000

15 Months

$100,000

1.10%

1.11%

Quarterly

16 Months

$1,000

16 Months

$1,000

.05%

.05%

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

.40%

.40%

Quarterly

18 Months

$50,000

18 Months

$50,000

.45%

.45%

Quarterly

18 Months

$100,000

18 Months

$100,000

.50%

.50%

Quarterly

24 Months

$1,000

24 Months

$1,000

.35%

.35%

Quarterly

24 Months

$50,000

24 Months

$50,000

.40%

.40%

Quarterly

24 Months

$100,000

24 Months

$100,000

.45%

.45%

Quarterly

29 Months

$1,000

29 Months

$1,000

.45%

.45%

Quarterly

29 Months

$50,000

29 Months

$50,000

.50%

 .50%

Quarterly

29 Months

$100,000

29 Months

$100,000

.55%

 .55%

Quarterly

30 Months

$1,000

30 Months

$1,000

1.20%

1.21%

Quarterly

30 Months

$50,000

30 Months

$50,000

1.25% 1.26%

Quarterly

30 Months

$100,000

30 Months

$100,000

1.30%

1.31%

Quarterly

36 Months

$1,000

36 Months

$1,000

.55%

.55%

Quarterly

36 Months 

$50,000

36 Months

$50,000

.60%

.60%

Quarterly

 36 Months

$100,000

36 Months 

$100,000

.65%

.65%

Quarterly

42 Months

$1,000

42 Months

$1,000

 .60%

 .60%

Quarterly

42 Months

$50,000

42 Months

$50,000

.65%

.65%

Quarterly

42 Months

$100,000

42 Months

$100,000

.70%

.70%

Quarterly

48 Months

$1,000

48 Months

$1,000

.55%

.55%

Quarterly

48 Months

$50,000

48 Months

$50,000

.60% 

.60%

Quarterly

48 Months

$100,000

48 Months

$100,000

.65%

.65%

Quarterly

54 Months

$1,000

54 Months

$1,000

2.35%

2.38%

Quarterly

54 Months

$50,000

54 Months

$50,000

2.40%

2.43%

Quarterly

54 Months

$100,000

54 Months

$100,000

2.45%

2.48%

Quarterly

60 Months

$1,000

60 Months

$1,000

.55%

.55%

Quarterly

60 Months

$50,000

60 Months 

$50,000

.60%

.60%

Quarterly

60 Months

$100,000

60 Months 

$100,000

.65%

.65%

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)

 

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