Checking & Savings Rates

Effective August 15, 2011

Account Type	Interest Rate	APY*
Interest Checking ⁽¹⁾	0.15%	0.15%
Senior Interest Checking⁽¹⁾	0.15%	0.15%
Hi-Fi Savings Account ⁽¹⁾⁽²⁾
Less than $5,000	0.35%	0.35%
$5,000 or >, but < $25,000	0.45%	0.45%
$25,000 or >, but < $50,000	0.55%	0.55%
$50,000 or >, but < $100,000	0.65%	0.65%
$100,000 or more	0.75%	0.75%
Tax Advantage Accounts ⁽³⁾
Traditional IRA	1.55%	1.56%
Roth IRA	1.55%	1.56%
Simple IRA	1.55%	1.56%
SEP Account	1.55%	1.56%
KEOGH Account	1.55%	1.56%
Health Savings Account	1.55%	1.56%
Coverdell EDCU SVGS AC	1.55%	1.56%
Any IRA > $175,000	1.70%	1.70%

⁽¹⁾ Fees may reduce earnings on checking and hi-fi savings accounts.

⁽²⁾ The minimum opening balance for a hi-fi savings account is $250.00. However, if you are
18 years of age or less, the minimum opening balance is $25.00.

⁽³⁾ The minimum opening balance for a tax advantaged account is $250.00.

⁽⁴⁾ To promote the importance of savings with children, United Bank & Trust Company encourages children under 18 years of age to open regular cd accounts with minimum balances as low as $100 ($500 tier rates apply). Not applicable to "special" cd's.

All 3, 6, 12, 18, 24, 30, & 36 month cd's automatically renew at maturity.