On January 27th Union State Bank will be replacing Popmoney® with Zelle®!  click for more information.

SCAM ALERT! We have become aware of a scam happening in our community. The scammers claim to be from an internet provider and state that your router needs to be updated and replaced. They ask you to login to your online banking to receive a refund for your outdated router. If you receive a call like this, please hang up! Do not give personal banking information over the phone. Do not allow others to access your online or mobile banking by sharing your credentials. Do not login to your online banking while someone is helping or instructing you to do so over the phone. If you have any questions, or feel that you may have fallen victim to this or another scam, call our personal bankers right away and we can help! 515-462-2161

Deposit Rates

Certificate of Deposit, IRA

Effective date: September 30, 2020

$500 minimum deposit to open all other certificate of deposit. $100 minimum deposit to open checking, money market and savings accounts.

6 Month CD Interest Rate APY*
500+ .05 .05
2,500+ .06 .06
2,500 (GO) .10 .10
10,000+ .10 .10
25,000+ .15 .15
12 Month CD Interest Rate APY*
500+ .05 .05
2,500+ .10 .10
2,500 (GO) .15 .15
10,000+ .15 .15
25,000+ .20 .20
18 Month CD Interest Rate APY*
500+ .06 .06
2,500+ .15 .15
2,500 (GO) .20 .20
10,000+ .20 .20
25,000+ .25 .25

 

24 Month CD Interest Rate APY*
500+ .07 .07
2,500+ .20 .20
2,500 (GO) .25 .25
10,000+ .25 .25
25,000+ .30 .30
36 Month CD Interest Rate APY*
500+ .08 .08
2,500+ .25 .25
2,500 (GO) .30 .30
10,000+ .30 .30
25,000+ .35 .35
48 Month CD Interest Rate APY*
500+ .09 .09
2,500+ .30 .30
2,500 (GO) .35 .35
10,000+ .35 .35
25,000+ .40 .40
60 Month CD Interest Rate APY*
500+ .10 .10
2,500+ .35 .35
2,500 (GO) .40 .40
10,000+ .40 .40
25,000+ .45 .45

Step-Up CD Special

36 Month CD

Interest Rate

APY*

10,000+ .30 .30

Additional Specials

Checking, Money Market & Savings Accounts

Effective date: September 30, 2020
$500 minimum deposit to open all other certificate of deposit. $100 minimum deposit to open checking, money market and savings accounts.

Choice Plus Golden Opportunity Business Plus Interest Rate         APY*
Under 2,000 .02 .02
2,500+ .02 .02
500+ GO .02 .02
10,000+ .02 .02
25,000+ .02 .02
Money Market   Interest Rate APY*
Under 2,500 .02 .02
2,500+ .03 .03
10,000+ .04 .04
25,000+ .05 .05
Advantage Money Market Interest Rate APY*
Under 25,000 .02 .02
25,000+ .05 .05
100,000+ .06 .06
300,000+ .06 .06
500,000+ .06 .06
Regular Savings Interest Rate APY*
Under 2,500 .04 .04
2,500+ .04 .04
10,000+ .04 .04
25,000+ .04 .04
College Plan / Super Saver        Interest Rate      APY
  .04 .04
Health Savings Account Interest Rate APY*
  .04 .04
Christmas Club     Interest Rate APY*
  .04 .04
Burial Trust          Interest Rate APY*
  .04 .04

*Annual Percentage Yield

The above rates are variable rates and may change, please refer to your account disclosure for information, i.e. frequency of change, determination, balance computation. Checking and money market accounts compound monthly. Saving accounts compound semi-annually. Certificate of Deposit compound semi-annually.

Balance: The amount of principal in the account each day. $2,500 minimum for Golden Opportunity CD. Rate is based on the $10,000 tier. A penalty may be imposed for withdrawal before maturity on any Certificate of Deposit. All Certificate of Deposit rates are fixed and based on the principal balance at time of issue. Interest is based on a 365 day basis, compounding semi- annually, excluding CD Specials. Refer to Account Disclosure for more account details. Additional fees could reduce earnings on the above referenced accounts. Member FDIC