An account that maximizes your returns

Right now, when you open a new Value Edge Money Market account, you can earn:

  • 4.00% APY* on balances $10,000 and up for 12 months
  • 1.31% APY* on balances under $10,000 for 12 months

With a money market account from UBT, you have the flexibility to access your funds when you need them, with up to six free debit transactions per calendar month ($25 fee for each additional). You’ll enjoy the liquidity of a checking account with premium rates — meaning you don’t have to lock away your funds, and it’s easy to access your money.

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Frequently asked questions

What is a money market? A money market account is a high-yield checking account that acts like a savings account. You can earn premium interest while enjoying the flexibility to access your funds via your Union Bank debit card, account-to-account transfers, or through Zelle®.

What are the benefits of a money market? You can get a high rate while having access to your money without locking away your funds. When you need spending flexibility but are focused primarily on savings, a money market account can give you some benefits of both savings and checking accounts.

What’s the difference between a money market and a traditional savings account? You can earn interest on both savings accounts and money markets, but a Value Edge Money Market account offers you easy account access with up to six free withdrawals per calendar month ($25 fee for each additional). Money markets offer more flexibility and usually come with a higher rate than most savings products.

How many transactions can I do a month? You can make up to six free withdrawals per calendar month; after that, there is a $25 fee for each additional debit transaction.

What is APY? APY stands for annual percentage yield, which is the total interest earned in one year, including compound interest. Higher APY = more earnings!

*Offer not valid for primary accountholder on either an existing Value Edge Money Market Account (MMA) or a Value Edge MMA closed within the last 120 days. Open a new Value Edge MMA and receive 4.00% Annual Percentage Yield (APY) on balances of $10,000 or more for 12 months from account opening; balances under $10,000 will earn an APY of 1.31%. After the first 12 months, the standard Value Edge MMA variable interest rate and APY tiers will apply, depending on the daily balance of the account. See current deposit account rates; rates subject to change. Fees may reduce earnings. $10,000 opening deposit required in new money. Promotion available 5/1/2024 to 8/30/2024. Cannot be combined with other offers. Member FDIC.