Bank · FDIC insured
Union Bank & Trust CD Rates
Top CarrotUnion Bank & Trust’s best CD rate is 4.40% APY on a 2-year CD. Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Union Bank & Trust’s CD rates compare
Compared with banks and credit unions near Lincoln, NE, where Union Bank & Trust has the most branches. $10,000, best rate first.
This bank’s best
Union Bank & Trust
4.40%APY
- Term
- 24 months
- Minimum
- $1,000
- Earns on $10,000
- $899
Certificates of Deposit
Top rate
Cornhusker Bank
4.46%APY
- Term
- 48 months
- Minimum
- $1,000
- Earns on $10,000
- $1,907
2nd-highest rate
Associated Bank
4.40%APY
- Term
- 13 months
- Minimum
- $5,000
- Earns on $10,000
- $478
Union Bank & Trust CD score
92
CD score
Higher than 93% of U.S. banks and credit unions
- 3–8 months3–8 mo4.05%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo4.40%
- 31–60 months31–60 mo2.32%
- QualifiedQualified4.40%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Union Bank & Trust ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 4.40%APY · 21 terms
Current rates apply to new CDs and renewals at maturity only. APY is based on quarterly compounding. Early withdrawal penalty may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.05% | $200 |
| 7 months | 1.66% | $97 |
| 8 months | 1.71% | $114 |
| 9 months | 1.71% | $128 |
| 10 months | 1.76% | $146 |
| 11 months | 1.76% | $161 |
| 12 months | 4.25% | $425 |
| 13 months | 1.81% | $196 |
| 15 months | 1.81% | $227 |
| 16 months | 1.86% | $249 |
| 17 months | 1.86% | $265 |
| 18 months | 4.35% | $660 |
| 19 months | 1.91% | $304 |
| 20 months | 1.91% | $320 |
| 23 months | 1.91% | $369 |
| 24 months | 4.40% | $899 |
| 27 months | 2.02% | $460 |
| 30 months | 3.95% | $1,017 |
| 36 months | 2.27% | $697 |
| 48 months | 2.27% | $939 |
| 60 months | 2.32% | $1,215 |
Sources (1)
- ubt.com/deposit-account-rates · captured Oct 15, 2026
Access CD
Up to 3.90%APY · 2 terms
Offers a guaranteed annual percentage yield with the flexibility of penalty free withdrawals. Withdrawals made during the 6 days after opening or 6 days after each subsequent withdrawal will be assessed a penalty, which may reduce earnings. APY based on quarterly compounding.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 10 months | 3.85% | $320 |
| 15 months | 3.90% | $490 |
Sources (1)
- ubt.com/deposit-account-rates · captured Oct 15, 2026
Special-purpose accounts
Individual Retirement Accounts (IRAs) Certificates of Deposit
Up to 4.40%APY · 21 terms
Current rates apply to new CDs and renewals at maturity only. APY is based on quarterly compounding. Early withdrawal penalty may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.05% | $200 |
| 7 months | 1.66% | $97 |
| 8 months | 1.71% | $114 |
| 9 months | 1.71% | $128 |
| 10 months | 1.76% | $146 |
| 11 months | 1.76% | $161 |
| 12 months | 4.25% | $425 |
| 13 months | 1.81% | $196 |
| 15 months | 1.81% | $227 |
| 16 months | 1.86% | $249 |
| 17 months | 1.86% | $265 |
| 18 months | 4.35% | $660 |
| 19 months | 1.91% | $304 |
| 20 months | 1.91% | $320 |
| 23 months | 1.91% | $369 |
| 24 months | 4.40% | $899 |
| 27 months | 2.02% | $460 |
| 30 months | 3.95% | $1,017 |
| 36 months | 2.27% | $697 |
| 48 months | 2.27% | $939 |
| 60 months | 2.32% | $1,215 |
Sources (1)
- ubt.com/deposit-account-rates · captured Oct 15, 2026
Variable Rate Individual Retirement Accounts
1.97%APY · 1 term
Rate is subject to change after the account is opened. No minimum balance required to open account or obtain APY.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsVariable rate subject to change after account opening | 1.97% | $297 |
Sources (1)
- ubt.com/deposit-account-rates · captured Oct 15, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.