Promotional CD Rates

Available Exclusively to Lancaster Residents

$1,000 Minimum Required to Open

Offer applies to new money only.

Requires a Unified Bank personal checking account with active direct deposit.

*APY = Annual Percentage Yield. Current as of 10/01/25: 3-Month 3.51% APY, 7-Month  4.51% APY, 13-Month 4.31% APY. Rates are fixed for the term once account is opened.

Promotional rate applies to standard CD terms and minimums. Early withdrawal penalties may apply. Fees could reduce earnings. If direct deposit is discontinued, the CD may convert to the standard APY for your term.

Available exclusively to primary residents of Lancaster, Ohio. CDs must be opened in our Lancaster East Main or Downtown branches to qualify for this promotion.

Limited-time offer. Offer subject to change or cancellation without notice.

Unified Bank Promotional CD Offer Terms & Conditions

Effective Date: October 1, 2025

This Promotional Certificate of Deposit (CD) Offer (“Promotion”) is made available by Unified Bank and is subject to the following terms and conditions:

1. Offer Eligibility
   • This Promotion is available exclusively to legal residents of Lancaster, Ohio, as verified by a valid government-issued ID and proof of address at the time of account opening.
   • Eligible CDs must be opened in person at either the Unified Lancaster East Main Branch or the Downtown Lancaster Branch.
   • Promotion is limited to personal and business accounts only. 
      
     
2. Promotional Rate
   
   • Eligible customers will receive an add-on interest rate of 0.50% applied to select standard CD terms, resulting in the promotional APY as described below.
   • The promotional APY is only available when all eligibility criteria are met and may differ from Unified Bank’s standard CD rates. 
   • Current Promotional APYs (as of 10/01/2025):
     CD Term         Standard Rate + Add-On         Promotional APY
     3 Months        Standard + 0.50%                       3.51% APY
     7 Months        Standard + 0.50%                       4.51% APY
     13 Months       Standard + 0.50%                       4.31% APY
      
     
   • APY = Annual Percentage Yield. Rates are accurate as of 10/01/2025 and are subject to change without notice.
      
     
3. Account Requirements
   
   • To qualify for the promotional rate, you must:
     
     • Open a Unified Bank personal checking account (new or existing).
     • Establish and maintain active direct deposit to the checking account for the duration of the CD term.
     • Fund the CD with “new money” only, defined as funds not currently on deposit with Unified Bank.
        
       
4. Minimum Balance
   
   • A minimum deposit of $1,000 in new money is required to open a promotional CD and to earn the stated APY.
      
     
5. Rate Reversion
   
   • If the required direct deposit is discontinued at any point during the CD term, the CD may revert to Unified Bank’s standard interest rate for the same term as published on the date of change.
   • Unified Bank reserves the right to make this rate adjustment at the beginning of the next interest accrual period following the discontinuation.
      
     
6. Early Withdrawal Penalty
   
   • CDs are subject to early withdrawal penalties, which may reduce earnings. Penalty amounts depend on the CD term and are disclosed at the time of account opening.
     No partial withdrawals are allowed without penalty.
      
     
7. Fees
   
   • Fees may reduce earnings. Please refer to Unified Bank’s Deposit Account Fee Schedule for applicable fees.
      
     
8. Offer Duration
   
   • This offer is valid for a limited time. Offer subject to change or cancellation without notice.
   • Promotional terms cannot be combined with any other CD offers unless specifically stated.
      
     
9. Additional Terms
   
   • All account openings are subject to standard account approval procedures.
   • Offer not transferable and not valid where prohibited.
      
     
10. FDIC Insurance
    
    • Unified Bank is a member of the Federal Deposit Insurance Corporation (FDIC). Deposits are insured up to the applicable FDIC limits per depositor, per ownership category.