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Sometimes getting started takes just a wee nudge. So your first visit to the money managers in our Investment and Trust department . . . a getting-to-know-you session . . . is FREE. Then, if we're compatible, our financial advisors will help you create a financial plan that meets your goals. We can even manage your money for you, so you don't have the stress of daily changes in the markets.

Schedule your FREE first meeting today with Steve Kroeger at (815-235-0800, ext. 4267; email skroeger@unionsb.com) or Kam Stake at (815-235-0800, ext. 4266; email kstake@unionsb.com).

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Deposit Rates

Loan Rates

Deposit Rates
Rates Effective as of March 01, 2010
Rates Subject to change at any time
Member FDIC

Account Type  Minimum
Opening
Deposit 
Minimum
Balance
To
Obtain
APY 
Interest
Rate 
Annual
Percentage
Yield (APY) 
Money Market $100,000+ 
$1,000.00  $0.01  .50%  .49%(3) 
Money Market $50,000+ 
$1,000.00  $0.01  .50%  .49%(3) 
Money Market $25,000+ 
$1000.00  $0.01  .50%  .49%(3) 
Money Market $10,000+ 
$1000.00  $0.01  .50%  .49%(3) 
Money Market $<$10,000 
$1,000.00  $0.01  .50%  .49%(3) 
Lifestyle Checking 
$100.00  $.01  .20%  .19%(3) 
Advantage Checking 
$100.00  $.01  .10%  .09%(3) 
Community Partner Checking 
$1000.00  $0.01  .25%  .24%(3) 
Savings $4,999 or less 
$50.00  $0.01  .10%  .09%(3) 
Savings $4,999.01-$9,999.00 
$50.00  $0.01  .15%  .15%(3) 
Savings $9,999.01-$24,999.00 
$50.00  $0.01  .25%  .24%(3) 
Savings $24,999.01+ 
$50.00  $0.01  .40%  .39%(3) 
182 Day CD $25,000+ 
$25,000.00  $25,000.00  .90%  .90% 
182 Day CD $10,000-$24,999.99 
$10,000.00  $10,000.00  .80%  .80% 
182 Day CD $1,000-$9,999.99 
$1,000.00  $1,000.00  0.70%  0.70% 
91 Day CD 
$1,000.00  $1,000.00  0.60%  0.60% 
9 Month CD  
$5,000.00  $5,000.00  1.05%  1.05% 
12 Month CD  
$1,000.00  $1,000.00  1.15%  1.15%(4) 
14 Month CD  
$5,000.00  $5,000.00  1.25%  1.25%(4) 
15 Month CD 
$1,000.00  $1,000.00  1.25%  1.25%(4) 
18 Month CD  
$1,000.00  $1,000.00  1.35%  1.35%(4) 
21 Month CD 
$1,000.00  $1,000.00  1.44%  1.45%(4) 
23 Month CD *SPECIAL*  $5,000.00  $5,000.00  1.74%  1.75%(4) 
24 Month CD  
$1,000.00  $1,000.00  1.54%  1.55%(4) 
27 Month CD (Bump-up) 
$1,000.00  $1,000.00  1.59%  1.60% 
30 Month CD 
$1,000.00  $1,000.00  2.09%  2.10%(4) 
35 Month CD  
$5,000.00  $5,000.00  2.39%  2.40%(4) 
36 Month CD *SPECIAL  $1,000.00  $1,000.00  2.39%  2.40%(4) 
42 Month CD  
$1,000.00  $1,000.00  2.68%  2.70%(4) 
48 Month CD 
$1,000.00  $1,000.00  2.98%  3.00%(4) 
60 Month CD *SPECIAL*  $1,000.00  $1,000.00  3.27%  3.30%(4) 
18m Variable Lifestyle Growth CD *Only available to Lifestyle BANKING MEMBERS* Ask how you can become a member of this group TODAY!  
$25.00 WOW! You can add to this CD anytime!  $1,000.00  .12%  .12%(1) 
18m Variable Lifestyle Growth CD 
$25.00  $.01  .10%  .10%(1) 
College Fund Account 
$100.00  $100.00  2.00%  2.01%(1) 
18 Month Variable Rate IRA 
$10.00  $10.00  .12%  .11%(1)(4) 
30 Month Fixed Rate IRA  $10.00  $10.00  2.085%  2.10%(4) 

(1) Variable interest rate may change after the account is opened
(2) Fees may reduce the earnings on the account
(3) Variable interest rate may change after the account is opened and fees may reduce the earnings of the account
(4) May be used for Traditional and Roth IRAs

Penalty for early withdrawal on certificates of deposit (CD)
Please contact a Customer Service Representative for futher information and applicable disclosures

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Loans
Please see a loan officer for rates and terms.
Freeport, Rockford, Belvidere, Mt. Morris

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