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Our Current Rates

Certificates of Deposit


Term Min. to Open Interest Rate APY**
91 days $1,000 0.05% 0.05%
182 days $1,000
0.10%
0.10%
12 months $1,000
0.20%
0.20%
18 months $1,000
0.20%
0.20%
24 months $1,000
0.25%
0.25%
30 months $1,000
0.25%
0.25%
36 months $1,000
0.35%
0.35%
48 months $1,000
0.35%
0.35%
60 months $1,000
0.40%
0.40%

Effective October 6, 2020
Penalty for early withdrawal
**APY – Annual Percentage Yield.
Fees may reduce earnings on the account.
Ask a Customer Service Representative about the fees and other terms that apply to these accounts.

Money Market

Term Interest Rate APY**
$250,000 and above 0.20% 0.20%
$100,000.00 - $249,999.99 0.15% 0.15%
$50,000.00 - $99,999.99 0.10% 0.10%
$25,000.00 - $49,999.99 0.10% 0.10%
$5,000.00 - $24,999.99 0.05% 0.05%
$0 - $4,999.99 0% 0%

Effective October 6,  2020
*Rates may change after account opening.
**APY – Annual Percentage Yield.
***Tier ranges are based on your daily available balance.
Fees may reduce earnings on the account.
Ask a Customer Service Representative about the fees and other terms that apply to these accounts.

Checking*

Type Interest Rate APY**
Choice Checking 0.05% 0.05%

Effective October 6, 2020 
*Rates may change after account opening.
**APY – Annual Percentage Yield.
Fees may reduce earnings on the account.
Ask a Customer Service Representative about the fees and other terms that apply to these accounts.
$50 minimum opening deposit

Savings*

Type Interest Rate APY**
Regular 0.05% 0.05%
Holiday Club 0.05%
0.05%

Effective October 6, 2020  
*Rates may change after account opening.
**APY – Annual Percentage Yield.
Fees may reduce earnings on the account.
Minimum daily balance requirement to avoid $6 per quarter fee is $300.
Ask a Customer Service Representative about the fees and other terms that apply to these accounts.

Individual Retirement Accounts

Term Min. to Open Interest Rate APY**
18 Month Variable $1,000 0.20% 0.20%
91 days $1,000 0.10%
0.10%
182 days $1,000
0.15%
0.15%
12 months $1,000
0.25%
0.25%
18 months $1,000
0.25%
0.25%
24 months $1,000
0.30%
0.30%
30 months $1,000
0.30%
0.30%
36 months $1,000
0.40%
0.40%
48 months $1,000
0.40%
0.40%
60 months $1,000
0.45%
0.45%
Effective October 6, 2020
Penalty for early withdrawal.
*Rates may change after account opening.
**APY – Annual Percentage Yield.
Fees may reduce earnings on the account.
Ask a Customer Service Representative about the fees and other terms that apply to these accounts.
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How can we help?

United Southern Bank is ready to serve you in many different ways. USB has state of the art technology with the power for you to bank anywhere, any time.
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Bank safely anywhere, anytime.

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Set up an array of custom account alerts through email, text or push notifications.

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Save for a down payment for your rainy-day fund.