Bank · FDIC insured
Union Bank Savings Rates
Union Bank’s best savings rate is 0.15% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How Union Bank’s savings rates compare
Compared with banks and credit unions near Burlington, VT, where Union Bank has the most branches. $10,000, best rate first.
This bank’s best
Union Bank
0.15%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $15
Money Market
Top rate
The Business Bank
3.00%APY
- Requires
- Another account
- Minimum
- $0
- Earns on $10,000 a year
- $300
2nd-highest rate
NorthCountry Federal Credit Union
1.50%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $150
Union Bank savings score
67
Savings score
Higher than 20% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0000.35%
- QualifiedQualified0.15%
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.
Money Market
0.15%APY
Minimum deposit to open is $25 in-branch and $100 online. Monthly service fee of $5 is waived with a $1,000 minimum daily balance. Advantage Checking and Advantage Checking Plus customers receive an additional 0.10% premium on Money Market rates. Limit of 6 electronic, telephone, or check withdrawals per monthly statement cycle.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $999Standard rate for balance tier $0–$999. $5.00 monthly service fee waived with $1,000 minimum daily balance. Opening minimum is $25 in-branch ($100 online). | 0.00% | — | Standard rate for balance tier $0–$999. $5.00 monthly service fee waived with $1,000 minimum daily balance. Opening minimum is $25 in-branch ($100 online). |
| $1,000 – $9,999Standard rate for balance tier $1,000–$9,999. $5.00 monthly service fee waived with $1,000 minimum daily balance. Opening minimum is $25 in-branch ($100 online). | 0.10% | — | Standard rate for balance tier $1,000–$9,999. $5.00 monthly service fee waived with $1,000 minimum daily balance. Opening minimum is $25 in-branch ($100 online). |
| $10,000 – $49,999Standard rate for balance tier $10,000–$49,999. $5.00 monthly service fee waived with $1,000 minimum daily balance. Opening minimum is $25 in-branch ($100 online). | 0.15% | $15 | Standard rate for balance tier $10,000–$49,999. $5.00 monthly service fee waived with $1,000 minimum daily balance. Opening minimum is $25 in-branch ($100 online). |
| $50,000 – $99,999Standard rate for balance tier $50,000–$99,999. $5.00 monthly service fee waived with $1,000 minimum daily balance. Opening minimum is $25 in-branch ($100 online). | 0.25% | — | Standard rate for balance tier $50,000–$99,999. $5.00 monthly service fee waived with $1,000 minimum daily balance. Opening minimum is $25 in-branch ($100 online). |
| $100,000 – $249,999Standard rate for balance tier $100,000–$249,999. $5.00 monthly service fee waived with $1,000 minimum daily balance. Opening minimum is $25 in-branch ($100 online). | 0.35% | — | Standard rate for balance tier $100,000–$249,999. $5.00 monthly service fee waived with $1,000 minimum daily balance. Opening minimum is $25 in-branch ($100 online). |
| $250,000 – $499,999Standard rate for balance tier $250,000–$499,999. $5.00 monthly service fee waived with $1,000 minimum daily balance. Opening minimum is $25 in-branch ($100 online). | 0.45% | — | Standard rate for balance tier $250,000–$499,999. $5.00 monthly service fee waived with $1,000 minimum daily balance. Opening minimum is $25 in-branch ($100 online). |
| $500,000 and upStandard rate for balance tier $500,000+. $5.00 monthly service fee waived with $1,000 minimum daily balance. Opening minimum is $25 in-branch ($100 online). | 0.55% | — | Standard rate for balance tier $500,000+. $5.00 monthly service fee waived with $1,000 minimum daily balance. Opening minimum is $25 in-branch ($100 online). |
Statement Savings
0.02%APY
Opening deposit is $100 when opened online or $25 at a branch location. Monthly service fee of $1.00 with eStatements or $3.50 with paper statements is waived with a $200 minimum daily balance. Monthly inactivity fee of $3 applies if inactive for 1 year or more with balance under $100.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $99,999Tier 1: $1–$99,999. Monthly fee is $1.00 with eStatements ($3.50 with paper statements), waived with a $200 minimum daily balance. | 0.02% | $2 | Tier 1: $1–$99,999. Monthly fee is $1.00 with eStatements ($3.50 with paper statements), waived with a $200 minimum daily balance. |
| $100,000 – $499,999Tier 2: $100,000–$499,999. Monthly fee is $1.00 with eStatements ($3.50 with paper statements), waived with a $200 minimum daily balance. | 0.05% | — | Tier 2: $100,000–$499,999. Monthly fee is $1.00 with eStatements ($3.50 with paper statements), waived with a $200 minimum daily balance. |
| $500,000 and upTier 3: $500,000+. Monthly fee is $1.00 with eStatements ($3.50 with paper statements), waived with a $200 minimum daily balance. | 0.10% | — | Tier 3: $500,000+. Monthly fee is $1.00 with eStatements ($3.50 with paper statements), waived with a $200 minimum daily balance. |
Special-purpose accounts
Health Savings Account
0.05%APY
Carries no monthly service fee with eStatements; $2.50 monthly fee with paper statements waived with a $250.00 minimum daily balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $999Tier: $0 to $999. Monthly fee is $0.00 with eStatements ($2.50 with paper statements, waived with $250 daily balance). | 0.00% | — | Tier: $0 to $999. Monthly fee is $0.00 with eStatements ($2.50 with paper statements, waived with $250 daily balance). |
| $1,000 – $249,999Tier: $1,000–$249,999. Monthly fee is $0.00 with eStatements ($2.50 with paper statements, waived with $250 daily balance). | 0.05% | $5 | Tier: $1,000–$249,999. Monthly fee is $0.00 with eStatements ($2.50 with paper statements, waived with $250 daily balance). |
| $250,000 and upTier: $250,000+. Monthly fee is $0.00 with eStatements ($2.50 with paper statements, waived with $250 daily balance). | 0.10% | — | Tier: $250,000+. Monthly fee is $0.00 with eStatements ($2.50 with paper statements, waived with $250 daily balance). |
Sources (2)
- ublocal.com/personal/compare-a…/deposit-account-options
- ublocal.com/personal/compare-a…s/deposit-interest-rates
All captured Oct 15, 2026
Save for Success
0.05%APY
For participating students in partnership with local grade schools. Elementary student accounts are joint accounts with a parent/guardian. No initial deposit required; Union Bank deposits the first dollar.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upInterest tier: 1.00+. No monthly service fee. Accounts opened without activity in the first 12 months will be closed.$1 and up | 0.05% | $5 | Interest tier: 1.00+. No monthly service fee. Accounts opened without activity in the first 12 months will be closed. |
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.