APY = Annual Percentage Yield. Rates effective as of March 1, 2020.

Checking and savings accounts listed below are variable rate accounts.

Rates for variable rate accounts may change after account is opened.

Fees may reduce earnings


Kasasa Cash®* Learn More

Balance Interest Rate APY
Up to $25,000
(when qualifications are met)
2.97% 3.01%
Over $25,000
(when qualifications are met)
2.97% to 0.50% 3.01% to 1.00%
Qualifications not met 0.05% 0.05%

Qualifications to Earn Rewards

Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:

  • At least 10 debit card purchases
  • Be enrolled in and agree to receive eStatements
  • Be enrolled in and log into online banking

Kasasa Saver®* Learn More

Balance Interest Rate APY
Up to $10,000
(when qualifications are met)
0.50% 0.50%
Over $10,000
(when qualifications are met)
0.50% to 0.25% 0.50% to 0.27%
Qualifications not met 0.05% 0.05%

Qualifications to Earn the Higher Rate

Qualifying for your Kasasa Cash or Kasasa Cash Back® rewards automatically qualifies you for the highest Kasasa Saver® rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:

  • At least 10 debit card purchases
  • Be enrolled in and agree to receive eStatements
  • Be enrolled in and log into online banking

UB Grand Checking Learn More

Minimum Deposit To Open Interest Rate APY
$100.00 0.40% 0.40%

Savings Accounts

Account Type Balance Minimum Deposit To Open Interest Rate APY
UB Savings All Balances $100.00 0.10% 0.10%
Kids Club All Balances $1.00 0.10% 0.10%
Christmas Club $0.01 - $5,000.00 $10.00 0.50% 0.50%