Bank · FDIC insured
Union Bank Savings Rates
Union Bank’s best savings rate is 1.00% APY on $10,000, with its Universal Savings. Rates checked October 16, 2026.
How Union Bank’s savings rates compare
Compared with banks and credit unions near Grand Rapids, MI, where Union Bank has the most branches. $10,000, best rate first.
This bank’s best
Union Bank
1.00%APY
- Requires
- None
- Minimum
- $50
- Earns on $10,000 a year
- $100
Universal Savings
Top rate
Ignite Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $500
2nd-highest rate
First National Bank of America
4.20%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $420
Union Bank savings score
85
Savings score
Higher than 71% of U.S. banks and credit unions
- $1,000 balance$1,0001.00%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0001.51%
- QualifiedQualified1.00%
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 ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Universal Savings
1.00%APY
Monthly maintenance fee of $10 is waived by maintaining a minimum average daily balance of $200 and/or maintaining an active Union Bank checking account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Waive $10 monthly maintenance fee by maintaining a minimum average daily balance of $200 and/or maintaining an active Union Bank checking account. | 1.00% | $100 | Waive $10 monthly maintenance fee by maintaining a minimum average daily balance of $200 and/or maintaining an active Union Bank checking account. |
| $25,000 – $200,000Waive $10 monthly maintenance fee by maintaining a minimum average daily balance of $200 and/or maintaining an active Union Bank checking account. | 1.51% | — | Waive $10 monthly maintenance fee by maintaining a minimum average daily balance of $200 and/or maintaining an active Union Bank checking account. |
| $200,000 – $1,000,000Waive $10 monthly maintenance fee by maintaining a minimum average daily balance of $200 and/or maintaining an active Union Bank checking account. | 2.02% | — | Waive $10 monthly maintenance fee by maintaining a minimum average daily balance of $200 and/or maintaining an active Union Bank checking account. |
| $1,000,000 and upWaive $10 monthly maintenance fee by maintaining a minimum average daily balance of $200 and/or maintaining an active Union Bank checking account. | 2.53% | — | Waive $10 monthly maintenance fee by maintaining a minimum average daily balance of $200 and/or maintaining an active Union Bank checking account. |
Special-purpose accounts
UB Youth Savings
2.02%APY
Designed to help young savers build healthy financial habits. To be a member of the Ubee Kids' Club, must be between the ages of 0 – 13.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,000To be a member of the Ubee Kids' Club, must be between the ages of 0 – 13. | 1.00% | — | To be a member of the Ubee Kids' Club, must be between the ages of 0 – 13. |
| $2,000 – $5,000To be a member of the Ubee Kids' Club, must be between the ages of 0 – 13. | 1.51% | — | To be a member of the Ubee Kids' Club, must be between the ages of 0 – 13. |
| $5,000 and upTo be a member of the Ubee Kids' Club, must be between the ages of 0 – 13. | 2.02% | $202 | To be a member of the Ubee Kids' Club, must be between the ages of 0 – 13. |
Sources (2)
- ubmich.com/personal/deposits/personal-cds-and-rates
- ubmich.com/personal/deposits/p…avings-and-money-markets
All captured Oct 5, 2026
Christmas Club
Up to 0.10%APY
Weekly deposits into account. Funds are dispersed in October. Variable rate paid at maturity. No debit or withdrawal transactions allowed until maturity; penalty for early withdrawal. No monthly fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceChristmas Club Electronic. Variable rate paid at maturity. Dispersed in October.Any balance | 0.10% | $10 | Christmas Club Electronic. Variable rate paid at maturity. Dispersed in October. |
| Any balanceChristmas Club Coupon Book. Variable rate paid at maturity. Dispersed in October.Any balance | 0.05% | $5 | Christmas Club Coupon Book. Variable rate paid at maturity. Dispersed in October. |
Sources (2)
- ubmich.com/personal/deposits/personal-cds-and-rates
- ubmich.com/personal/deposits/p…avings-and-money-markets
All captured Oct 5, 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.