Rates

APY = Annual Percentage Yield

Rates are effective as of October 30th, 2013.

UR Account Interest Paid Interest Rate APY
$0-$10,000 Monthly 0.00% 0.00%
$10,000-$15,000 Monthly 0.25% 0.25%
$15,000 and up Monthly 0.50% 0.50%
Platinum Checking Interest Paid Interest Rate APY
$0 - $4,999.99 Monthly 0.05% 0.05%
$5,000 - $14,999.99 Monthly  0.10% 0.10%
$15,000 - $49,999.99 Monthly  0.20% 0.20%
$50,000 - $99,999.99 Monthly  0.30%  0.30%
$100,000 and up Monthly  0.40%  0.40%
Checking and Savings Interest Paid Interest APY
First Checking with Interest Monthly 0.05% 0.05%
First Business with Interest Monthly 0.05% 0.05%
HSA Account Monthly 0.10% 0.10%
Money Market Monthly 0.10% 0.10%
Savings Account Quarterly 0.10% 0.10%
IRA Savings Quarterly 0.10% 0.10%
Certificates of Deposit (CD) Term Compound Interest Rate APY
7-31 Day CD 31 Days None 0.05% 0.05%
91 Day CD 91 Days None 0.10% 0.10%
182 Day CD 182 Days None 0.20% 0.20%
12 Month (IRA) 12 Months Annually 0.30% 0.30%
18 Month 18 Months Annually 0.40% 0.40%
24 Month (IRA) 24 Months Annually 0.50% 0.50%
30 Month 30 Months Annually 0.60% 0.60%
36 Month (IRA) 36 Months Annually 0.75% 0.75%
48 Month 48 Months Annually 0.85% 0.85%
60 Month (IRA) 60 Months Annually 1.00% 1.00%
CDARS** with Checking Term Compound Interest Rate APY
4 Weeks 1 Month Daily 0.05% 0.05%
13 Weeks 3 Month Daily 0.07% 0.07%
26 Weeks 6 Month Daily 0.10% 0.10%
52 Weeks 1 Year Daily 0.20% 0.20%
2 Year 2 Year Daily 0.50% 0.50%
3 Year 3 Year Daily 0.70% 0.70%
5 Year 5 Year Daily 1.50% 1.50%

**Deposit relationships > $100,000, minimum order $100,000. Rates subject to change based on market conditions. Call to confirm rate availability.

  • Penalty may be imposed for early withdrawal on all CDs and IRAs
  • Federal Income Tax penalties on early withdrawal may be applicable on IRAs
  • Rates and annual percentage yields subject to change
  • Fees may reduce earnings
  • FDIC Insured

Interest Calculations, Compounding and Crediting

  • We use the average daily balance method to calculate the interest on your account. This method applies a periodic rate to the average daily balance in the account for the earnings period. The average daily balance is calculated by adding the principal balance in the account for each day of the period and dividing that figure by the number of days in the period.
  • Accrual of interest on non-cash deposits begins to accrue on the business day after the banking day you deposit noncash items (for example, checks).
  • Interest will be compounded monthly or quarterly. Interest will be credited to your account on the last day of each statement cycle.
  • If you close your account before interest is credited, you will forfeit the accrued interest.