Rates


Certificate of Deposit

Term Minimum Opening Deposit Interest Rate APY*
3 month Fixed $1,000 + 0.25% 0.25%
6 month Fixed $1,000 + 0.50% 0.50%
12 month Fixed $1,000 + 0.80% 0.80%
18 month Fixed $1,000 + 0.90% 0.90%
24 month Fixed $1,000 + 1.00% 1.00%
36 month Fixed $1,000 + 1.24% 1.25%
48 month Fixed $1,000 + 1.49% 1.50%
60 month Fixed $1,000 + 1.74% 1.75%

Rates apply to both Consumer and Business accounts.


Flex Certificates of Deposit - Consumer Only

Minimum Balance Required to Obtain APY* Interest Rate APY*
12 months $50,000 - $220,000 0.50% 0.50%
24 months $50,000 - $220,000 0.75% 0.75%

Rates apply to Consumer accounts only. Allows two principal withdrawals without penalty. Account is closed when balance falls below $10,000.


IRA (Traditional & Roth)

Minimum Balance Required to Obtain APY* Interest Rate APY*
IRA Savings $500 + 0.35% 0.35%

Minimum opening deposit required is $100.


Money Market Account

Minimum Balance Required to Obtain APY* Interest Rate APY*
Tier 1 $2500 to $49,999 0.30% 0.30%
Tier 2 $50,000 to $99,999 0.60% 0.60%
Tier 3 $100,000 to $999,999 0.75% 0.75%
Tier 4 $1,000,000+ 0.75% 0.75%

Rates apply to both Consumer and Business accounts. Minimum opening deposit required for Personal MMA is $1000; Business MMA is $10,000.


Savings

Minimum Balance Required to Obtain APY* Interest Rate APY*
Personal Regular Savings $500 + 0.35% 0.35%
Junior Savings N/A 0.35% 0.35%
Business Regular Savings $2,500 + 0.35% 0.35%

Minimum opening deposit required for Personal Savings is $100; Junior Savings is $50; Business Savings is $500.


Interest Checking

Minimum Balance Required to Obtain APY* Interest Rate APY*
Personal Interest Checking (NOW) $1,000 - $2,499
$2,500 +
0.10%
0.30%
0.10%
0.30%
Business Interest Checking (Sole Proprietorship & Non-Profit Corporations only) $1,000 - $2,499
$2,500 +
0.10%
0.30%
0.10%
0.30%
Health Savings Account (HSA) $100 + 0.50% 0.50%

Minimum opening deposit required for Personal NOW is $100; Business NOW is $500; HSA is $100.

This disclosure contains information about interest rates for certificates of deposit, interest checking, savings and money market accounts. Fees could reduce the earnings on an account. Rates may change after account opening on interest checking, savings and money market accounts. All certificate of deposits and IRA's are subject to an interest penalty for early withdrawal of principal. Interest rates and *APY - annual percentage yields were last changed on October 16, 2017. Interest rates are subject to change without prior notice. For current rate information, please contact us.


Monthly Installment Schedule (Consumer Only)

Amount / Month 12 18 24 30 36 48 60
Installment Savings *APY (%) 1.00% 1.00% 1.21% 1.21% 1.36% 1.51% 1.66%
Interest Rate (%) 1.00% 1.00% 1.20% 1.20% 1.35% 1.50% 1.65%
$1,000.00 $82.95 $55.12 $41.19 $32.85 $27.23 $20.23 $16.00
$5,000.00 $414.76 $275.62 $205.95 $164.25 $136.17 $101.15 $80.00
$10,000.00 $829.52 $551.24 $411.90 $328.50 $272.35 $202.30 $160.00
$15,000.00 $1,244.28 $826.86 $617.85 $492.75 $408.52 $303.45 $240.00
$20,000.00 $1,659.04 $1,102.48 $823.80 $657.00 $544.70 $404.60 $320.00
$25,000.00 $2,073.80 $1,378.10 $1,029.75 $821.25 $680.87 $505.75 $400.00
$50,000.00 $4,147.60 $2,756.20 $2,059.50 $1,642.50 $1,361.74 $1,011.50 $800.00
Plus Installment Savings (Monthly deposit must be auto-transferred from any UniBank account) *APY (%) 1.51% 1.51% 1.76% 1.76% 2.02% 2.27% 2.53%
Interest Rate (%) 1.50% 1.50% 1.75% 1.75% 2.00% 2.25% 2.50%
$1,000.00 $82.66 $54.90 $40.91 $32.59 $26.93 $19.89 $15.63
$5,000.00 $413.29 $274.49 $204.56 $162.93 $134.65 $99.46 $78.16
$10,000.00 $826.58 $548.98 $409.12 $325.86 $269.30 $198.92 $156.32
$15,000.00 $1,239.87 $823.47 $613.68 $488.79 $403.95 $298.38 $234.48
$20,000.00 $1,653.16 $1,097.96 $818.24 $651.72 $538.60 $397.84 $312.64
$25,000.00 $2,066.45 $1,372.45 $1,022.80 $814.65 $673.25 $497.30 $390.80
$50,000.00 $4,132.90 $2,744.90 $2,045.60 $1,629.30 $1,346.50 $994.60 $781.60

  • The interest rate and *APY (Annual Percentage Yield) in effect at account opening will be paid until maturity.
  • Interest will accrue daily and be credited to your account every month.
  • The minimum contract amount is $1,000. Contract amount may increase in multiple of $1,000 with no maximum.
  • The minimum opening balance and the minimum balance to obtain disclosed APY is the first month installment.
  • Balance at maturity may vary, depending on day and frequency of each monthly payment.
  • If you withdraw before term, a penalty of three (3) months interest on the account balance will be imposed.
  • Account is Non-Renewable. Interest will not accrue after maturity.
  • Lump sum deposit will not be allowed. Only scheduled monthly installment deposit to the account is accepted.

This product guide contains information about interest rates for installment certificates of deposits. Fees could reduce the earnings on an account. Interest rates & annual percentage yields are subject to change without prior notice. For current information call: Lynnwood Branch 425.275.9700 or Tacoma Branch 253.581.9700 or Federal Way Branch 253.946.9700 or Bellevue Branch 425.454.9700.

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