Personal Banking
Personal Banking

Certificates of Deposit

Certificates of Deposit are an important part of any financial plan. Whether you are interested in a short-term CD or locking your money in for five years, Union has many different options:

  1. 3 Months, 6 Months, 1 year, and more
  2. Renewable, convertible, and no-penalty features available
  3. Competitive rates and tiers.

Flexible and safe, our CDs have competitively set rates:

  1. Preferred rates for customers who currently have two other types of deposit accounts with the bank
  2. FDIC insured

Certificates of Deposit require a $1000 minimum balance to open. For CDs less than $10,000 interest is credited quarterly. Interest is credited monthly on CD's of $10,000 or more. Penalties apply for early withdrawal.

Be sure to check out our CD specials!

Apply for a CD

Apply for an CD online.

Need Help?

1-800-990-4828 1-800-990-4828

Mon-Fri: 8am-8pm
Saturday: 9am-5pm


  Mon-Fri: 8am-8pm
  Saturday: 9am-5pm

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CD Specials

To take advantage of our CD specials, please visit your local branch.

Union Bank & Trust
Mailing Address:
P.O. Box 940
Ruther Glen, VA 22546