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Interest Rates


Mortgage Interest Rates
Current as of January 18, 2019 For current rates call 636-583-2555


Loan Product


Interest Rate




Monthly P & I

30-Yr. Fixed (360 Pmts.)   4.500%         4.551%        $633.36
20-Yr. Fixed (240 Pmts.)      4.375%  4.445%    $782.40
15-Yr. Fixed (180 Pmts.)           4.000%      4.088%   $924.61
10-Yr. Fixed (120 Pmts.)             3.875%                4.002%          $1258.15


No Closing Cost Product


No Closing Cost Rate


No Closing Cost APR


No Closing Cost P & I

30- Yr.  Fixed (360 Pmts.) 4.875% 4.875% $661.51
20- Yr. Fixed (240 Pmts.) 4.750% 4.750% $807.78
15 Yr. Fixed (180 Pmts.) 4.375%  4.375% $948.28
10 Yr. Fixed (120 Pmts.) 4.250%  4.250% $1280.47

*Closing Costs are considered "standard required costs associated with loan closing" - excluding prepaid interest, homeowners insurance or other insurance premiums, and/or escrow balance. These fees are subject to lenders discretion. Please call 636-583-2555 with any questions regarding interest rates.

CD Rates

Length of Term Interest Rate APY**
91 Days 0.55% 0.55%
6 Month 0.55% 0.55%
12 Month 0.75% 0.75%
13 Month Special 2.53% 2.55%
18 Month 0.85% 0.85%
19 Month Special 2.72% 2.75%
21 Month 0.85% 0.85%
24 Month 1.25% 1.26%
32 Month  0.95% 0.95%
36 Month 1.40% 1.41%
48 Month 1.55% 1.56%
60 Month 1.75% 1.76%


Step-Up CD's***/****

36 Month Step-Up*** 

1.35% 1.36%

 60 Month Step-Up****

1.70% 1.71%


Deposit Account Rates

Account Interest Rate APY^
Seniority 0.22% 0.22%
Money Market
Under $1,000 0.22% 0.22%
$1,000-$9,999.99 0.22% 0.22%
$10,000-24,999.99 0.30% 0.30%
$25,000-49,999.99 0.35% 0.35%
$50,000 and 249,999.99 0.40% 0.40%
$250,000 and over 0.45% 0.45%
#Companion Savings Account 2.00% 2.02%
## Regular Statement Savings 0.25% 0.25%
Ultimate Savings $000 - 49,999.99 0.25% 0.25%
Ultimate Savings $50,000 - 249,999.99   0.50% 0.50%
Ultimate Savings $250,000 & Over 0.65% 0.65%

Loan Calculators

Calculate your mortgage payoff, see how much house you can afford and more.

Online Banking

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Mobile Banking

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* Interest Rates are quoted with NO POINTS. The quoted Annual Percentage Rate (APR) assumes a 20 percent down payment and a loan balance of $125,000 and an anticipated 30 day rate lock period. If the down payment is less than 20 percent, mortgage insurance may be needed which could increase the APR. Payments shown above do not include taxes and insurance premiums, if applicable, the actual payment obligation will be greater.  Interest Rates and terms are subject to change without notice.

**Annual Percentage Yield (APY) is accurate as of January 18, 2019 and is  based on the minimum opening deposit of $500.00 and quarterly compounding assuming principal and interest remain on deposit.  Substantial penalty for early withdrawal.

***How 36 month Step-Up CD's work: The initial interest rate will be in effect for two years. If on the second anniversary of the date of issue, the interest rate being offered by United Bank of Union on the 12 month CD is greater than the original Step-Up interest rate issued, the Step-Up interest rate shall be adjusted to that higher rate, effective for the remainder of the initial term only.

**** How 60 month Step-Up Cd's work: The initial interest rate will be in effect for three years.  If on the third anniversary of the date of issue, the interest rate being offered by United Bank of Union on the 24 month CD is greater than the original Step-Up interest rate issued, the Step-Up interest rate shall be adjusted to that higher rate, effective for the remainder of the initial term only.

# A minimum of $1,000 balance is required to open and to obtain the higher APY. If the average daily balance falls below $1,000, then current savings account passbook interest rate will apply. No additional deposits can be made into the account unless a new CD is opened at the time of the deposit. Amount of additional deposit must be equal or lesser than amount of accompanying CD opened. All other Certificate of Deposit and traditional saving account rules apply. Fees may reduce earnings. 

## A minimum of $25.00 dollars is required to open a regular statement savings account.  A minimum of $50,000.00 is required to open any Ultimate Savings account. 

 ^Annual Percentage Yield (APY) is accurate as of  January 18, 2019  and is  based  on interest compounding monthly. After account is opened, rates are subject to change without notification. Certain fees may reduce earnings.



Conforming Payment Notice
Loans Secured by Consumer's Principal Dwelling

All loan payments must be accompanied by the account number, payment notice or payment coupon provided. Loan payments may be sent to: United Bank of Union, P O Box 500 or 15 E. Main Street, Union MO 63084. Loan payments may also be made in person or to bank personnel at any of our Banking Centers.

Payments must be received by 5:00 P.M. Central Time, Monday through Friday to be credited as of that date with the exception of bank holidays. Payments received after the stated cut off time of 5:00 P.M. will be credited as of the next business day or as otherwise permitted by law.

Loan payments originated through United Bank of Union's Online Banking will be applied to the specified loan account if initiated by 5:00 P.M. Central Time, Monday through Friday. Loan payments originated after the stated cut off time of 5:00 P.M. will be credited as of the next business day or otherwise permitted by law.