Universal Bank | Rate Sheet

Rates effective as of: August 19, 2021 supersede any previous rate update. Annual Percentage Yield (APY) assumes principal and interest remain in the account for one year. Deposits insured by the FDIC up to the maximum allowed. Please refer to the Deposit Account Agreement for withdrawal and transaction limits and the Fee Schedule for account related fees. Early withdrawal penalties may apply.

Certificate of Deposit (Daily Compound)

30 DAY TERM

AMOUNT	INTEREST RATE	APY**
$1,000.00 – $ 49,999.99	0.05%	0.05%
$50,000.00 +	0.10%	0.10%

60 DAY TERM

AMOUNT	INTEREST RATE	APY**
$1,000.00 – $ 49,999.99	0.10%	0.10%
$50,000.00 +	0.20%	0.20%

90 DAY TERM

AMOUNT	INTEREST RATE	APY**
$1,000.00 – $ 9,999.99	0.10%	0.10%
$10,000.00 – $24,999.99	0.15%	0.15%
$25,000.00 – $49,999.99	0.20%	0.20%
$50,000.00 – $99,999.99	0.25%	0.25%
$100,000.00+	0.30%	0.30%

180 DAY TERM

AMOUNT	INTEREST RATE	APY**
$1,000.00 – $ 9,999.99	0.15%	0.15%
$10,000.00 – $24,999.99	0.20%	0.20%
$25,000.00 – $49,999.99	0.25%	0.25%
$50,000.00 +	0.30%	0.30%
$100,000.00 +	0.35%	0.35%

1 YEAR TERM

AMOUNT	INTEREST RATE	APY**
$1,000.00 – $ 9,999.99	0.25%	0.25%
$10,000.00 – $24,999.99	0.30%	0.30%
$25,000.00 – $49,999.99	0.40%	0.40%
$50,000.00 +	0.45%	0.45%

2 YEAR TERM

AMOUNT	INTEREST RATE	APY**
$1,000.00 – $ 9,999.99	0.40%	0.40%
$10,000.00 – $24,999.99	0.45%	0.45%
$25,000.00 – $49,999.99	0.50%	0.50%
$50,000.00 – $99,999.99	0.55%	0.55%
$100,000.00+	0.60%	0.60%

3 YEAR TERM

AMOUNT	INTEREST RATE	APY**
$1,000.00 +	0.60%	0.60%

IRA

18 MONTH TERM (ADDITION ALLOWED)

AMOUNT	INTEREST RATE	APY**
$100.00 +	0.30%	0.30%

180 Day Term

AMOUNT	INTEREST RATE	APY**
$1,000.00 +	0.15%	0.15%

1 Year Term

AMOUNT	INTEREST RATE	APY**
$1,000.00 +	0.25%	0.25%

2 Year Term

AMOUNT	INTEREST RATE	APY**
$1,000.00 +	0.35%	0.35%

3 Year Term

AMOUNT	INTEREST RATE	APY**
$1,000.00 +	0.40%	0.40%

ATM Savings

AMOUNT	INTEREST RATE	APY**
$100.00 +	0.04%	0.04%

Money Market Savings

AMOUNT	INTEREST RATE	APY**
$1,000.00 - $2,499.99	0.05%	0.05%
$2,500.00 - $49.999.99	0.10%	0.10%
$50,000.00 +	0.15%	0.15%

Young Savers (Minimum $1.00)

AMOUNT	INTEREST RATE	APY**
$1.00 +	0.50%	0.50%

Basic Interest Checking

AMOUNT	INTEREST RATE	APY**
$2,500.00 +	0.04%	0.04%

Money Market Checking

AMOUNT	INTEREST RATE	APY**
$1,000.00 - $2,499.99	0.05%	0.05%
$2,500.00 - $49,999.99	0.10%	0.10%
$50,000.00 +	0.15%	0.15%

Business Interest Checking

AMOUNT	INTEREST RATE	APY**
$100.00 - $999.99	0.10%	0.10%
$1,000.00 - $9,999.99	0.15%	0.15%
$10,000.00 - $99,999.99	0.25%	0.25%
$100,000.00 +	0.30%	0.30%

RATES ARE EFFECTIVE AS OF: August 19, 2021 – RATES SUBJECT TO CHANGE WITHOUT NOTICE – RATE MAY CHANGE AFTER THE ACCOUNT IS OPENED. – FEES COULD REDUCE EARNINGS.

**APY= Annual Percentage Yield

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