Its best CD
3.90%
APY for 15 months, as of Nov 1, 2026
2 CDs, 1 IRA CD
Union Bank and Trust Company CD rates
Every CD we track from Union Bank and Trust Company, by term, with each term’s place among the CDs we track and its terms of business.
At each term
Its best rates
- 10 months3.85%Not ranked
- 15 months3.90%Not ranked
Places are among the CDs we track for that term, on $10,000. IRA CDs aren’t counted in the best rates.
Every CD
Its CDs, by term
Access CD
10 months3.85%—
15 months3.90%—
- Minimum to open
- $10,000ubt.com, checked Nov 1, 2026
- Early withdrawal penalty
- Withdrawals made during the 6 days after opening or 6 days after each subsequent withdrawal will be assessed a penalty, which may reduce earnings.ubt.com, checked Nov 1, 2026
- Grace period at maturity
- 10 daysubt.com, checked Nov 1, 2026
- Interest compounds
- quarterlyubt.com, checked Nov 1, 2026
The bank’s page · checked Nov 1, 2026. A dash: a term we don’t rank.
Certificate of Deposit (CD)
10 months3.85%—
15 months3.90%—
- Early withdrawal penalty
- Up to 9 months: 92 days of interest
- Up to 5 years: 182 days of interest
- Minimum to open
- $1,000ubt.com, checked Nov 1, 2026
- Grace period at maturity
- 10 daysubt.com, checked Nov 1, 2026
- Interest compounds
- quarterlyubt.com, checked Nov 1, 2026
The bank’s page · checked Nov 1, 2026. A dash: a term we don’t rank.
Variable Rate Individual Retirement Account (18 month Variable IRA)
IRA18 months1.97%—
- Minimum to open
- Noneubt.com, checked Nov 1, 2026
The bank’s page · checked Nov 1, 2026. A dash: a term we don’t rank.
CD rates change often; the bank’s own page is the final word. We have fewer than three of this bank’s terms on record. Best CD rates by term · CD calculator · Report a mistake