Bank Reviews

Union Bank Reviews, Rates: CDs, Savings, Money Market, Mortgages

For over 145 years, Union Bank has been servicing customers and started as The Bank of California, the first incorporated commercial bank in the West back in 1864. This bank has a lot of history attached to it and dates back to a German immigrant establishing the Kaspare C
ohn Commercial & Savings Bank in Los Angeles. In 1918, it was renamed to Union Bank & Trust Company of Los Angeles.

Forty years later and Union Bank & Trust Company of Los Angeles got its current name, Union Bank. Despite the name changes, Union Bank continues to be a top-nationwide bank for the exclusive homeowner association services they have to offer. Union Bank exudes strength and stability while still giving the friendly neighborhood hospitality you’d except from a small town bank.

Review: Union Bank Services

Management companies benefit the best from Union Bank as they offer deposit and electronic receivable services. Their deposit services include regular checking accounts, money market accounts, and association CDs. Union Bank’s Association MoneyMarket Rates is a wise management tool for your short-term reserves. It offers tiered, competitive interest rates.

Union Bank offers outstanding CDs, ideal for anyone who wants to earn a guaranteed interest rate for a pre-set period. The CDs range from 7 days and extends to 5 years. The best feature about their CDs is the availability in months. Many financial institutions only offer CDs in years but Union Bank has 1 to 6 month CDs. When the CD has a value between $100,000.00 and $999,999.99, larger interest rates and APYs will automatically be offered. For the larger CDs, interest rates and APYs of 0.20 percent begin with the six month CD and the rates grow about 0.10 percent higher for each additional CD. Even with $1,000.00 to $9,999.99, you are able to earn 0.20 percent starting with a six month CD.

[tab:CDs]

When you don’t need immediate access to your funds, then Union Bankhas great CDs that give you a steady rate of return. Union Bank has flexible term lengths, fixed interest rates, and easy- to-use calculators via their website to see how much interest your CD will earn.

Union Bank: 7-31 Day CD: $2,500.00 Opening Deposit – as of 8/14/11

  • $2,500.00 – $9,999.00 – 0.05% Interest Rate – 0.05% APY
  • $10,000.00 – $24,999.00 – 0.05% Interest Rate – 0.05% APY
  • $25,000.00 – $49,999.00 – 0.05% Interest Rate – 0.05% APY
  • $50,000.00 – $99,999.00 – 0.05% Interest Rate – 0.05% APY

Union Bank: 32-89 Day CD & 90-179 day CD: $350 Opening Deposit – as of 8/14/11

  • $350.00 – $999.00 – 0.10% Interest Rate – 0.10% APY
  • $1,000.00 – $9,999.00 – 0.10% Interest Rate – 0.10% APY
  • $10,000.00 – $24,999.00 – 0.10% Interest Rate – 0.10% APY
  • $25,000.00 – $49,999.00 – 0.10% Interest Rate – 0.10% APY
  • $50,000.00 – $99,999.00 – 0.10% Interest Rate – 0.10% APY

Union Bank: 180-364 Day CD: $350 Opening Deposit – as of 8/14/11

  • $350.00 – $999.00 – 0.20% Interest Rate – 0.20% APY
  • $1,000.00 – $9,999.00 – 0.20% Interest Rate – 0.20% APY
  • $10,000.00 – $24,999.00 – 0.20% Interest Rate – 0.20% APY
  • $25,000.00 – $49,999.00 – 0.20% Interest Rate – 0.20% APY
  • $50,000.00 – $99,999.00 – 0.20% Interest Rate – 0.20% APY

Union Bank: 12-17 Month CD: $350 Opening Deposit – as of 8/14/11

  • $350.00 – $999.00 – 0.30% Interest Rate – 0.30% APY
  • $1,000.00 – $9,999.00 – 0.30% Interest Rate – 0.30% APY
  • $10,000.00 – $24,999.00 – 0.30% Interest Rate – 0.30% APY
  • $25,000.00 – $49,999.00 – 0.30% Interest Rate – 0.30% APY
  • $50,000.00 – $99,999.00 – 0.30% Interest Rate – 0.30% APY

Union Bank: 18-23 Month CD & 24-35 Month CD: $350 Opening Deposit – as of 8/14/11

  • $350.00 – $999.00 – 0.50% Interest Rate – 0.50% APY
  • $1,000.00 – $9,999.00 – 0.50% Interest Rate – 0.50% APY
  • $10,000.00 – $24,999.00 – 0.50% Interest Rate – 0.50% APY
  • $25,000.00 – $49,999.00 – 0.50% Interest Rate – 0.50% APY
  • $50,000.00 – $99,999.00 – 0.50% Interest Rate – 0.50% APY

Union Bank: 36-47 Month CD: $350.00 Opening Deposit – as of 8/14/11

  • $350.00 – $999.00 – 0.60% Interest Rate – 0.60% APY
  • $1,000.00 – $9,999.00 – 0.60% Interest Rate – 0.60% APY
  • $10,000.00 – $24,999.00 – 0.60% Interest Rate – 0.60% APY
  • $25,000.00 – $49,999.00 – 0.60% Interest Rate – 0.60% APY
  • $50,000.00 – $99,999.00 – 0.60% Interest Rate – 0.60% APY

Union Bank: 48-59 Month CD: $350 Opening Deposit – as of 8/14/11

  • $350.00 – $999.00 – 1.24% Interest Rate – 1.25% APY
  • $1,000.00 – $9,999.00 – 1.24% Interest Rate – 1.25% APY
  • $10,000.00 – $24,999.00 – 1.24% Interest Rate – 1.25% APY
  • $25,000.00 – $49,999.00 – 1.24% Interest Rate – 1.25% APY
  • $50,000.00 – $99,999.00 – 1.24% Interest Rate – 1.25% APY

Union Bank: 60 Month CD: $350 Opening Deposit – as of 8/14/11

  • $350.00 – $999.00 – 1.73% Interest Rate – 1.75% APY
  • $1,000.00 – $9,999.00 – 1.73% Interest Rate – 1.75% APY
  • $10,000.00 – $24,999.00 – 1.73% Interest Rate – 1.75% APY
  • $25,000.00 – $49,999.00 – 1.73% Interest Rate – 1.75% APY
  • $50,000.00 – $99,999.00 – 1.73% Interest Rate – 1.75% APY

Terms & Conditions: Interest rates may change as often as daily without prior notice. Fees may reduce account earnings.

[tab:Savings Accounts]

Union Bank is able to providesavings account designed to help you with your savings goals. For their Regular Savings Account, a low minimum opening deposit of $50.00 is required. To avoid the $3.00 monthly service charge, keep a balance of $300.00 in the account or set up a deposit of $25.00 to reoccur each month.

If you want to earn higher rates on your savings account that reward you for having a checking relationship, then consider the Union Bank Preferred SavingsSM Account. This account requires a $10,000.00 minimum opening deposit and you must maintain this balance to avoid the $15.00 monthly service charge.

Union Bank also offers accounts specially designed for children and teens to help them start saving while they are young. Both of the accounts require a $50.00 minimum opening deposit.

Union Bank: Regular Savings Account Rates – as of 8/14/11

  • $0 – $2,499.00 – 0.01% Interest Rate – 0.01% APY
  • $2,500.00 – $9,999.00 – 0.01% Interest Rate – 0.01% APY
  • $10,000.00 – $24,999.00 – 0.01% Interest Rate – 0.01% APY
  • $25,000.00 – $49,999.00 – 0.01% Interest Rate – 0.01% APY
  • $50,000.00 – $99,999.00 – 0.01% Interest Rate – 0.01% APY
  • $100,000.00 – $499,999.00 – 0.01% Interest Rate – 0.01% APY
  • $500,000.00 – $999,999.00 – 0.01% Interest Rate – 0.01% APY
  • $1,000,000.00 and more – 0.01% Interest Rate – 0.01% APY

Union Bank: Preferred Savings Account Rates – as of 8/14/11

  • $0 – $2,499.00 – 0.01% Interest Rate – 0.01% APY
  • $2,500.00 – $9,999.00 – 0.05% Interest Rate – 0.05% APY
  • $10,000.00 – $24,999.00 – 0.15% Interest Rate – 0.15% APY
  • $25,000.00 – $49,999.00 – 0.15% Interest Rate – 0.15% APY
  • $50,000.00 – $99,999.00 – 0.30% Interest Rate – 0.30% APY
  • $100,000.00 – $499,999.00 – 0.35% Interest Rate – 0.35% APY
  • $500,000.00 – $999,999.00 – 0.35% Interest Rate – 0.35% APY
  • $1,000,000.00 and more – 0.35% Interest Rate – 0.35% APY

Union Bank: Teen Savings & Kidz Savings Account Rates – as of 8/14/11

  • $0 – $2,499.00 – 0.01% Interest Rate – 0.01% APY
  • $2,500.00 – $9,999.00 – 0.01% Interest Rate – 0.01% APY
  • $10,000.00 – $24,999.00 – 0.01% Interest Rate – 0.01% APY
  • $25,000.00 – $49,999.00 – 0.01% Interest Rate – 0.01% APY
  • $50,000.00 – $99,999.00 – 0.01% Interest Rate – 0.01% APY
  • $100,000.00 – $499,999.00 – 0.01% Interest Rate – 0.01% APY
  • $500,000.00 – $999,999.00 – 0.01% Interest Rate – 0.01% APY
  • $1,000,000.00 and more – 0.01% Interest Rate – 0.01% APY

Terms & Conditions: Interest rates may change as often as daily without prior notice. Fees may reduce account earnings.

[tab:Money Market]

Union Bank offers two competitive money market accounts: High Rate MoneyMarket Account andMoneyMarket Account. The minimum opening deposit of $10,000.00 is required for the High Rate MoneyMarket Account and a linked Union Bank Personal Checking account. For the MoneyMarket Account, a minimum opening deposit of $2,500.00 is required.

The monthly service fee (which cannot be found on their website) can be waived for the High Rate MoneyMarket Account with a $15,000.00 minimum daily ledger balance. A service charge of $10 is applied to the MoneyMarket Account when the minimum daily balance of $2,500 is not met.

Union Bank: High Rate MoneyMarket Account – as of 8/13/11

  • $0 – $2,499.00 – 0.01% Interest Rate – 0.01% APY
  • $2,500.00 – $9,999.00 – 0.05% Interest Rate – 0.05% APY
  • $10,000.00 – $24,999.00 – 0.10% Interest Rate – 0.10% APY
  • $25,000.00 – $49,999.00 – 0.10% Interest Rate – 0.10% APY
  • $50,000.00 – $99,999.00 – 0.20% Interest Rate – 0.20% APY
  • $100,000.00 – $499,999.00 – 0.25% Interest Rate – 0.25% APY
  • $500,000.00 – $999,999.00 – 0.25% Interest Rate – 0.25% APY
  • $1,000,000.00 and more – 0.25% Interest Rate – 0.25% APY

Union Bank: MoneyMarket Account – as of 8/13/11

  • $0 – $2,499.00 – 0.01% Interest Rate – 0.01% APY
  • $2,500.00 – $9,999.00 – 0.05% Interest Rate – 0.05% APY
  • $10,000.00 – $24,999.00 – 0.10% Interest Rate – 0.10% APY
  • $25,000.00 – $49,999.00 – 0.10% Interest Rate – 0.10% APY
  • $50,000.00 – $99,999.00 – 0.20% Interest Rate – 0.20% APY
  • $100,000.00 – $499,999.00 – 0.25% Interest Rate – 0.25% APY
  • $500,000.00 – $999,999.00 – 0.25% Interest Rate – 0.25% APY
  • $1,000,000.00 and more – 0.25% Interest Rate – 0.25% APY

Terms & Conditions: Interest rates may change as often as daily without prior notice. Fees may reduce account earnings. Six transfers allowed per month. If transfers exceed this limit more than occasionally, Union Bank will convert the account to a type not subject to transfer limits or close the account.

[tab:Mortgages]

nion Bank believes a mortgage should fit your unique lifestyle. They are committed to assisting you through the loan process. Before the process, Union Bank’s knowledgeable mortgage consultants can help you in determining the loan that is right for you. Union Bank is not limited by trends or conditions in the secondary market because they directly lend to their clients.

The rates below are with the following information:

  • Loan Purpose: Purchase
  • Loan Amount: $300,000.00
  • Home Value: $400,000.00
  • State: Los Angeles
  • City: California
  • County: Los Angeles
  • Property Use: Primary Residence
  • Property Type: Existing single family home
  • Lock Period: 60 day

Union Bank: 15 Year Fixed Rate – as of 8/24/11

  • 3.750% Interest Rate – 1.500% Points – 4.116% APR – $12,370.00 Closing Fees – $2,181.67 Payment
  • 3.875% Interest Rate – 1.000% Points – 4.167% APR – $10,870.00 Closing Fees – $2,200.32 Payment
  • 4.000% Interest Rate – 0.500% Points – 4.217% APR – $9,370.00 Closing Fees – 2,219.06 Payment
  • 4.125% Interest Rate – 0.000% Points – 4.267% APR – $7,870.00 Closing Fees – $2,237.90 Payment

Union Bank: 3 Year Adjustable Rate – as of 8/24/11

  • 3.125% Interest Rate – 1.000% Points – 3.379% APR – $10,870.00 Closing Fees – $1,285.13 Payment
  • 3.375% Interest Rate – 0.500% Points – 3.395% APR – $9,370.00 Closing Fees – $1,326.29 Payment
  • 3.500% Interest Rate – 0.250% Points – 3.402% APR – $8,620.00 Closing Fees – $1,347.13 Payment
  • 3.625% Interest Rate – 0.000% Points – 3.410% APR – $7,870.00 Closing Fees – $1,368.15 Payment

Union Bank: 5 Year Adjustable Rate – as of 8/24/11

  • 3.125% Interest Rate – 1.000% Points – 3.363% APR – $10,870.00 Closing Fees – $1,285.13 Payment
  • 3.250% Interest Rate – 0.625% Points – 3.377% APR – $9,745.00 Closing Fees – $1,305.62 Payment
  • 3.375% Interest Rate – 0.250% Points – 3.390% APR – $8,620.00 Closing Fees – $1,326.29 Payment
  • 3.500% Interest Rate – 0.000% Points – 3.414% APR – $7,870.00 Closing Fees – $1,347.13 Payment

Union Bank: 7 Year Adjustable Rate – as of 8/24/11

  • 3.375% Interest Rate – 1.500% Points – 3.507% APR – $12,370.00 Closing Fees – $1,326.29 Payment
  • 3.500% Interest Rate – 1.000% Points – 3.525% APR – $10,870.00 Closing Fees – $1,347.13 Payment
  • 3.625% Interest Rate – 0.500% Points – 3.543% APR – $9,370.00 Closing Fees – $1,368.15 Payment
  • 3.750% Interest Rate – 0.000% Points – 3.561% APR – $7,870.00 Closing Fees – $1,389.35 Payment

Union Bank: 10 Year Adjustable Rate – as of 8/24/11

  • 3.875% Interest Rate – 1.500% Points – 3.840% APR — $12,370.00 Closing Fees – $1,410.71 Payment
  • 4.000% Interest Rate – 1.000% Points – 3.877% APR – $10,870.00 Closing Fees – $1,432.25 Payment
  • 4.125% Interest Rate – 0.500% Points – 3.913% APR – $9,370.00 Closing Fees – $1,453.95 Payment
  • 4.250% Interest Rate – 0.000% Points – 3.950% APR – $7,870.00 Closing Fees – $1,475.82 Payment

Union Bank: 3 Year Interest Only Adjustable Rate – as of 8/24/11

  • 3.250% Interest Rate – 1.000% Points – 3.371% APR – $10,870.00 Closing Fees – $812.50 Payment
  • 3.500% Interest Rate – 0.500% Points – 3.385% APR – $9,370.00 Closing Fees – $875.00 Payment
  • 3.625% Interest Rate – 0.250% Points – 3.391% APR – $8,620.00 Closing Fees – $906.25 Payment
  • 3.750% Interest Rate – 0.000% Points – 3.398% APR – $7,870.00 Closing Fees – $937.50 Payment

Union Bank: 5 Year Interest Only Adjustable Rate – as of 8/24/11

  • 3.250% Interest Rate – 1.000% Points – 3.369% APR – $10,870.00 Closing Fees – $812.50 Payment
  • 3.375% Interest Rate – 0.625% Points – 3.381% APR – $9,745.00 Closing Fees – $843.75 Payment
  • 3.500% Interest Rate – 0.250% Points – 3.393% APR – $8,620.00 Closing Fees – $875.00 Payment
  • 3.625% Interest Rate – 0.000% Points – 3.413% APR – $7,870.00 Closing Fees – $906.25 Payment

Union Bank: 7 Year Interest Only Adjustable Rate – as of 8/24/11

  • 3.500% Interest Rate – 1.500% Points – 3.491% APR – $12,370.00 Closing Fees – $875.00 Payment
  • 3.625% Interest Rate – 1.000% Points – 3.508% APR – $10,870.00 Closing Fees – $906.25 Payment
  • 3.750% Interest Rate – 0.500% Points – 3.525% APR – $9,370.00 Closing Fees – $937.50 Payment
  • 3.875% Interest Rate – 0.000% Points – 3.542% APR – $7,870.00 Closing Fees – $986.75 Payment

Union Bank: 10 year Interest Only Adjustable Rate – as of 8/24/11

  • 4.000% Interest Rate – 1.500% Points – 3.775% APR – $12,370.00 Closing Fees – $1,000.00 Payment
  • 4.125% Interest Rate – 1.000% Points – 3.809% APR – $10,870.00 Closing Fees – $1,031.25 Payment
  • 4.250% Interest Rate – 0.500% Points – 3.843% APR – $9,370.00 Closing Fees – $1,062.50 Payment
  • 4.375% Interest Rate – 0.000% Points – 3.877% APR – $7,870.00 Closing Fees – $1,093.75 Payment

Union Bank: Two Step 15 Year Interest Only Adjustable Rate – as of 8/24/11

  • 5.125% Interest Rate – 1.500% Points – 5.021% APR – $12,370.00 Closing Fees – $1,281.25 Payment
  • 5.250% Interest Rate – 1.000% Points – 5.078% APR – $10,870.00 Closing Fees – $1,312.50 Payment
  • 5.375% Interest Rate – 0.500% Points – 5.134% APR – $9,370.00 Closing Fees – $1,343.75 Payment
  • 5.500% Interest Rate – 0.000% Points – 5.191% APR – $7,870.00 Closing Fees – $1,375.00 Payment

Terms & ConditionsLoans subject to credit and collateral approval. Financing available for collateral located in CA, OR, or WA. Restrictions may apply. Terms and conditions subject to change.

[tab:END]

 

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