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Personal Certificate of Deposit (CDs)

Traditional and FLEX CDs

When you commit to keeping your funds with Union Bank for a defined period of time, we reward you with our highest interest rates. Certificates of Deposit (or CDs) are interest-earning vehicles that keep your funds on deposit for an agreed length of time. CDs are said to have “matured” when their term is up. There is often a penalty for withdrawing your funds before the maturity date, but at Union Bank, the interest your CD earns doesn’t have to remain in the CD until maturity. You can choose to deposit it automatically into another account, or use your CD as collateral for a loan. Union Bank offers a variety of terms and options to tailor your CD to meet your needs, and both traditional and FLEX CDs enjoy FDIC-insured funds up to applicable limits.

Need even more flexibility? A FLEX CD offers even more options than a traditional CD, including one monthly withdrawal with no penalty (up to 25% of the principal balance; minimum CD balance requirement applies). Deposits are unlimited for FLEX CD accounts.

Certificate of Deposit Account Registry Service (CDARS®)

Deposits up to $250,000 are insured by the FDIC. When you sign a Certificate of Deposit Account Registry Service (CDARS) agreement with Union Bank, you also receive full FDIC insurance for high-dollar deposits over $250,000.

Watch the video below, for an overview of the CDARS program.


Contact us for more information.

Download Deposit Account Comparison Chart