*The Annual Percentage Yield (APY) is accurate as of 04/10/2024. Rates subject to change at any time. Minimum daily balance of $2,500 must be maintained to earn interest. $2,500 opening deposit required. This Direct Money Market and APY disclosed is only available in select areas of Kansas, Iowa, South Dakota, and Missouri. Enter your zip code to determine eligibility. Fees may reduce earnings.

**ATM usage fee at non-Union Bank ATMs waived. Non-UBT ATM owners may apply an ATM surcharge fee on transactions at their ATMs. Up to $20 in ATM surcharge fees will be waived per statement cycle.