Did you receive a notice via email, text or a phone call implying that a debit will be occuring to your account? If you are not expecting the charge, call Union State Bank at 515-462-2161 before using any contact information provided in the notice. We will be able to confirm if the charge is in fact deducting from your account. Never give your bank information, online or mobile app credentials or access to your computer or phone to anyone. Especially unverified contact information in an email, text or phone call. If you are asked for this information hang up and call us. Place your TRUST in USB, Your Hometown Financial Advantage!

Deposit Rates

Certificate of Deposit, IRA

Effective date: January 30, 2024

$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+ .50 .50
2,500+ .75 .75
2,500 (GO) 2.50 2.52
10,000+ 2.50 2.52
25,000+ 2.70 2.72
50,000+ 2.90 2.92
12 Month CD Interest Rate APY*
500+ 1.00 1.00
2,500+ 1.50 1.50
2,500 (GO) 2.70 2.72
10,000+ 2.70 2.72
25,000+ 2.90 2.92
50,00+ 3.00 3.02
18 Month CD Interest Rate APY*
500+ 1.00 1.00
2,500+ 2.00 2.01
2,500 (GO) 3.00 3.02
10,000+ 3.00 3.02
25,000+ 3.10 3.12
50,000+ 3.30 3.33

 

24 Month CD Interest Rate APY*
500+ 1.10 1.10
2,500+ 2.25 2.27
2,500 (GO) 3.00 3.02
10,000+ 3.00 3.02
25,000+ 3.15 3.18
50,000+ 3.35 3.38
36 Month CD Interest Rate APY*
500+ 1.20 1.20
2,500+ 2.50 2.52
2,500 (GO) 3.10 3.13
10,000+ 3.10 3.13
25,000+ 3.20 3.23
50,000+ 3.40 3.43
48 Month CD Interest Rate APY*
500+ 1.30 1.30
2,500+ 2.75 2.77
2,500 (GO) 3.15 3.18
10,000+ 3.15 3.18
25,000+ 3.30 3.33
50,000+ 3.50

3.53

60 Month CD Interest Rate APY*
500+ 1.40 1.40
2,500+ 2.90 2.92
2,500 (GO) 3.20 3.23
10,000+ 3.20 3.23
25,000+ 3.40 3.43
50,000+ 3.60 3.63
     

Step-Up CD Special

36 Month CD

Interest Rate

APY*

10,000+ 3.10

3.13

7 Month CD Special

$10,000+                                                                         4.40                                                                            4.40

 

 

 

** Option to pay monthly to a USB checking account

Checking, Money Market & Savings Accounts

Effective date: January 20, 2024
$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 .07 .07
2,500+ .07 .07
500+ GO .07 .07
10,000+ .07 .07
25,000+ .07 .07
Money Market   Interest Rate APY*
Under 2,500 .20 .20
2,500+ .30 .30
10,000+ .70 .70
25,000+ 1.00 1.00
     
Advantage Money Market Interest Rate APY*
Under 25,000 .20 .20
25,000+ 1.10 1.10
100,000+ 1.75 1.76
300,000+ 2.00 2.01
500,000+ 2.50 2.52
1,000,000+ 3.00 3.02
Regular Savings Interest Rate APY*
Under 2,500 .20 .20
2,500+ .25 .25
10,000+ .90 .90
25,000+ 1.00 1.00
College Plan / Super Saver        Interest Rate      APY
  .75 .75
Health Savings Account Interest Rate APY*
  .95 .95
     
Christmas Club     Interest Rate APY*
  .75 .75
Burial Trust          Interest Rate APY*
  .75 .75

*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