Rates

Effective 06/30/2016

Savings

Account Type

Minimum Opening Balance

Minimum to Earn APY

Annual Percentage Yield

Interest Rate

 Members

$100.00

$1,000.00

0.10

0.10 

 Members Classic

$100.00

$1,000.00 

0.10

0.10 

 NOW

 

$100.00

$2,500.00 

0.10 

0.10 

$100.00

$1,000.00

0.05

0.05 

 Money Market

    

$100.00

$100,000.00

0.35

0.35 

$100.00 

$75,000.00

0.30

0.30 

$100.00 

$50,000.00 

0.25

0.25

$100.00 

$25,000.00

0.20 

0.20 

$100.00 

$10,000.00

0.15

0.15 

$100.00

$2,500.00

0.15

0.15

$100.00

$1,000.00

0.10

0.10

Elite Money Market

$100.00

$100,000.00

0.45

0.45

$100.00

$50,000.00

0.30

0.30

$100.00

$10,000.00

0.15

0.15

$100.00

$1,000.00

0.10

0.10

Statement Savings

$25.00

N/A

0.35

0.35

CDs and IRAs

Account Type

Minimum Opening Balance

Minimum to Earn APY

Annual Percentage Yield

Interest Rate

3 Month CD

$500.00

$500.00 

0.20

0.20 

3 Month Fixed IRA 

$100.00

$100.00 

0.20 

0.20 

6 Month CD

$500.00

$500.00 

0.25

0.25 

6 Month Fixed IRA 

$100.00

$100.00 

0.25

0.25 

12 Month CD 

$500.00

$500.00 

0.40

0.40 

12 Month Fixed IRA 

$100.00

$100.00 

0.40

0.40 

18 Month CD

$500.00 

$500.00 

0.45

0.45 

18 Month Fixed IRA 

$100.00

$100.00 

0.45

0.45 

18 Month IRA Variable

$100.00

$100.00

0.50

0.50

24 Month CD 

$500.00

$500.00 

0.50

0.50 

24 Month Fixed IRA

$100.00

$100.00

0.50

0.50

30 Month CD

$500.00

$500.00

0.75

0.75

30 Month Fixed IRA

$100.00

$100.00

0.75

0.75

36 Month CD

$500.00

$500.00

1.00

1.00

36 Month Fixed IRA

$100.00

$100.00

1.01

1.00

48 Month CD

$500.00

$500.00

1.10

1.10

48 Month Fixed IRA

$100.00

$100.00

1.11

1.10

60 Month CD

$500.00

$500.00

1.15

1.15

60 Month Fixed IRA

$100.00

$100.00

1.16

1.15

These rates are subject to change on a daily basis.

 Cell Phone

Apple Pay

Make secure purchases in stores, in apps, and now on the web. Apple Pay is simple to use and works with the devices you use every day. Easily pay with your United Citizens Bank debit card with just a touch. And because your card details are never shared by Apple when you use Apple Pay, making payments with your iPhone, Apple Watch, iPad, and Mac is the safer, more private way to pay.

 Mobile Banking

My Mobile Money

Cardholders are concerned about security and want the ability to administer their cards. With My Mobile Money you have the convenience and control via your mobile device to effectively monitor your card account.

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