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Interest Rates

 

Mortgage Interest Rates
Current as of July 20, 2018 For current rates call 636-583-2555

 

Loan Product

 

Interest Rate

 

APR*

 

Monthly P & I

30-Yr. Fixed (360 Pmts.)      4.625%           4.676%        $642.67
20-Yr. Fixed (240 Pmts.)         4.375%   4.445%        $782.40
15-Yr. Fixed (180 Pmts.)           4.125%      4.214 $932.46
10-Yr. Fixed (120 Pmts.)             4.000%                4.127%          $1265.56
       

 

No Closing Cost Product

 

No Closing Cost Rate

 

No Closing Cost APR

 

No Closing Cost P & I

30- Yr.  Fixed (360 Pmts.) 5.000% 5.000% $671.03
20- Yr. Fixed (240 Pmts.) 4.750% 4.750% $807.78
15 Yr. Fixed (180 Pmts.) 4.500% 4.500% $956.24
10 Yr. Fixed (120 Pmts.) 4.375% 4.375% $1287.96

*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**
CD's
91 Days 0.30% 0.30%
6 Month 0.30% 0.30%
12 Month 0.50% 0.50%
13 Month Special 1.85% 1.86%
18 Month 0.60% 0.60%
19 Month Special 2.30% 2.32%
21 Month 0.60% 0.60%
24 Month 1.00% 1.00%
32 Month Special 2.65% 2.68%
36 Month 1.15% 1.15%
48 Month 1.30% 1.31%
60 Month 1.50% 1.51%

 

Step-Up CD's***

36 Month Step-Up*** 

1.10% 1.10%

 60 Month Step-Up***

1.45% 1.46%

   

Deposit Account Rates

Account Interest Rate APY^
Checking
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%
Savings
# Regular Statement Savings 0.22% 0.22%
Ultimate Savings $000 - 49,999.99 0.22% 0.22%
Ultimate Savings $50,000 - 249,999.99   0.45% 0.45%
Ultimate Savings $250,000 & Over 0.60% 0.60%
     

Loan Calculators

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

Online Banking

MyBanking online brings banking to you, 24 hours a day, wherever there is internet access.

Mobile Banking

Bank on the go 24/7. Download our App today!

* 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 July 20, 2018 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 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.

# 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  July 20, 2018  and is  based  on interest compounding monthly. After account is opened, rates are subject to change without notification. Certain fees may reduce earnings. $1.00 minimum balance is required to obtain advertised annual percentage yield.

 

 

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.