Bank · FDIC insured
United Bank of Union Savings Rates
United Bank of Union’s best savings rate is 0.35% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How United Bank of Union’s savings rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where United Bank of Union has the most branches. $10,000, best rate first.
This bank’s best
United Bank of Union
1.50%APY
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000 a year
- $150
Companion Savings Account
Top rate
JM Associates FCU
5.12%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $512
2nd-highest rate
Citizens Bank
4.50%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $450
United Bank of Union savings score
81
Savings score
Higher than 57% of U.S. banks and credit unions
- $1,000 balance$1,0000.35%
- $10,000 balance$10,0000.35%
- $100,000 balance$100,0000.40%
- QualifiedQualified1.50%
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 United Bank of Union 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.
Companion Savings Account
1.50%APY
Available only when paired with an authorized Certificate of Deposit (CD). After CD opening, eligible to make a one-time deposit up to the amount of the CD. No additional deposits can be made unless a new CD is opened at the time of deposit; additional deposit must be equal to or lesser than the accompanying CD amount.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000If average daily balance falls below $1,000, Personal Savings interest rate applies. | 0.35% | — | If average daily balance falls below $1,000, Personal Savings interest rate applies. |
| $1,000 and upRequires minimum balance of $1,000 to open and obtain the higher APY. | 1.50% | $150 | Requires minimum balance of $1,000 to open and obtain the higher APY. |
Money Market
0.35%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 0.35% | — |
| $1,000 – $10,000 | 0.35% | — |
| $10,000 – $25,000 | 0.35% | $35 |
| $25,000 – $50,000 | 0.35% | — |
| $50,000 – $249,999 | 0.40% | — |
| $250,000 and up | 0.50% | — |
Ultimate Savings
0.35%APY
Requires a minimum of $50,000 to open and obtain the advertised APY. Reverts to Personal Savings rate if the balance falls below daily minimum balance of $50,000. One withdrawal allowed per monthly statement cycle; subsequent withdrawals subject to service charge.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Rate applied when balance is below $50,000 (reverts to Personal Savings rate). | 0.35% | $35 | Rate applied when balance is below $50,000 (reverts to Personal Savings rate). |
| $50,000 – $249,999 | 0.40% | — | |
| $250,000 and up | 0.50% | — |
Personal Savings
0.35%APY
Active accounts are service charge free. Inactive and dormant accounts subject to fees per Savings Fee Schedule.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance is required to obtain the advertised APY. Active accounts are service charge free.Any balance | 0.35% | $35 | No minimum balance is required to obtain the advertised APY. Active accounts are service charge free. |
Special-purpose accounts
Christmas Club
0.35%APY
Save throughout the year via one-time or recurring transfers to receive payouts in time for holiday shopping.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRates may change after account opening.Any balance | 0.35% | $35 | Rates may change after account opening. |
Dragon Savers Club
0.35%APY
Designed for kids ages 12 and under. Account reclassified to Personal Savings when child reaches age 13.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceEarns interest. Rates may change after account opening.Any balance | 0.35% | $35 | Earns interest. Rates may change after account opening. |
Sources (3)
All captured Sep 17, 2026
Vacation Club
0.35%APY
Save throughout the year via one-time or recurring transfers to receive payouts in time for summer vacation.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRates may change after account opening.Any balance | 0.35% | $35 | Rates may change after account opening. |
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.