Standard CD

Product Interest Rate Annual Percentage Yield* Compounded Minimum Deposit to Open Minimum Daily Balance to Obtain APY
6 Month CD 5.03% 5.15% Monthly $500 $500
7 Month CD 2.75% 2.78% Monthly $500 $500
9 Month CD 2.75% 2.78% Monthly $500 $500
12 Month CD 1.60% 1.61% Monthly $500 $500
15 Month CD 3.00% 3.04% Monthly $500 $500
18 Month CD 3.00% 3.04% Monthly $500 $500
24 Month CD 3.25% 3.30% Monthly $500 $500
30 Month CD 0.55% 0.55% Monthly $500 $500
48 Month CD 0.60% 0.60% Monthly $500 $500
60 Month CD 0.70% 0.70% Monthly $500 $500

Fees may reduce earnings.

*Annual Percentage Yield (APY) assumes continuous re-investment of both interest and principal at the original interest rate for a period of one year. Minimum balance to earn the APY is $500.00. A penalty may be imposed for early withdrawal. Contact URSB for full disclosure. Rates effective as of 01/03/2024 and are subject to change without notice.

Bonus CD

Product Interest Rate Annual Percentage Yield* Compounded Minimum Deposit to Open Minimum Daily Balance to Obtain APY
9 Month CD** 1.75% 1.76% Monthly $500 $500
12 Month CD** 2.05% 2.06% Monthly $500 $500
15 Month CD** 2.50% 2.53% Monthly $500 $500
18 Month CD** 2.75% 2.78% Monthly $500 $500
24 Month CD** 3.00% 3.04o% Monthly $500 $500

Fees may reduce earnings.

*Annual Percentage Yield (APY) assumes continuous re-investment of both interest and principal at the original interest rate for a period of one year. Minimum balance to earn the APY is $500.00. A penalty may be imposed for early withdrawal. Contact URSB for full disclosure. Rates effective as of 01/03/2024 and are subject to change without notice.

**must maintain a Perks Checking or Perks with Interest Checking account with a minimum daily account balance of $2,500 with at least one direct deposit into the account during every monthly statement cycle. Any failure to satisfy these conditions during the life of this Certificate of Deposit will result in the forfeiture of this higher rate and the Bank may reduce the interest rate on the Certificate of Deposit by .25% which reduction shall be applied throughout the remaining term of the Certificate of Deposit.

Step Up CD

Product Interest Rate Annual Percentage Yield* Compounded Minimum Deposit to Open Minimum Daily Balance to Obtain APY

11 Month CD Step Up

0.15% .15% Monthly $500 $500

19 Month CD Step Up

0.10% .10% Monthly $500 $500

Fees may reduce earnings.

*Annual Percentage Yield (APY) assumes continuous re-investment of both interest and principal at the original interest rate for a period of one year. Minimum balance to earn the APY is $500.00. A penalty may be imposed for early withdrawal. Contact URSB for full disclosure. Rates effective as of 01/03/2024 and are subject to change without notice.

**11 Month CD Step Up: Annual Percentage Yield. Assumes continues re-investment of both interest and principal at the original interest rate for a period of eleven (11) months. Contact URSB for full disclosure. Rates effective as of 01/03/2024 and are subject to change without notice. The interest rate and APY may be changed once (and only once) during the initial term of the CD. Upon receipt of a written step-up request from you, we will adjust the interest rate and APY to the interest rate and APY then in effect for the Eleven (11) Month CD Step Up. The original maturity date will remain unchanged. No new money may be added when exercising the step-up option and URSB may impose a penalty on the CD if you withdraw any of the principal before the maturity date.

***19 Month CD Step Up: Annual Percentage Yield. Assumes continues re-investment of both interest and principal at the original interest rate for a period of nineteen (19) months. Contact URSB for full disclosure. Rates effective as of 01/03/2024 and are subject to change without notice. The interest rate and APY may be changed once (and only once) during the initial term of the CD. Upon receipt of a written step-up request from you, we will adjust the interest rate and APY to the interest rate and APY then in effect for the Nineteen (19) Month CD Step Up. The original maturity date will remain unchanged. No new money may be added when exercising the step-up option and URSB may impose a penalty on the CD if you withdraw any of the principal before the maturity date.