Earn 4.01% APY*
Money Market Account

Available Exclusively to Lancaster Residents

On Balances from $0.01 to $1,000,000
Promotional APY fixed through 12/31/26

$1,000 Anniversary Bonus
Available When You Maintain an Average Daily Balance of $250,000+ for 12 Months
$25,000 Minimum Required to Open

APY = Annual Percentage Yield. 4.01% APY is fixed through 12/31/26 on balances $0.01–$1,000,000. Balances above $1,000,000 earn 2.01% APY (subject to change at Bank discretion). Rates effective 10/01/25 – 12/31/26 and subject to change after promotional period.
 
This is a tiered, variable-rate account; however, promotional APY is fixed through 12/31/26 on eligible balances. Interest is compounded and credited monthly. Fees may reduce earnings. $1,000 bonus paid after 12 months if average daily balance ≥ $250,000 for 12 months from inception. Bonus is taxable interest and will be reported on IRS Form 1099-INT. Accounts will incur a $25 monthly service charge if the balance drops below $25,000 during any statement cycle.
 
New money only (funds not currently on deposit with Unified Bank). Must maintain a Unified Bank personal checking account with direct deposit (failure to maintain direct deposit may result in reversion to the standard APY). Offer available only to primary residents of Lancaster, Ohio.

Promotional Money Market Account (MMA) Terms and Conditions
Effective October 1, 2025
 
This Promotional Money Market Account (MMA) Offer (“Promotion”) is made available by Unified Bank and is subject to the following terms and conditions:

1. Eligibility
   
   • $25,000 Minimum Required to Open
     
   • Offer available exclusively to primary residents of Lancaster, Ohio.
     
   • Account must be opened in person at a Unified Bank branch located in Lancaster.
     
   • Offer applies to new money only, defined as funds not currently on deposit with Unified Bank.
     
   • A Unified Bank personal checking account with active direct deposit is required to qualify.
     
   • Failure to maintain active direct deposit may result in reversion to the standard APY for your balance tier.
      
     
2. Annual Percentage Yield (APY)
   
   • Promotional APY: 4.01% APY is fixed on balances from $0.01 to $1,000,000 through December 31, 2026.
     
   • Balances above $1,000,000: Earn 2.01% APY, subject to change at the Bank’s discretion.
     
   • Rates effective 10/01/25 – 12/31/26 and subject to change thereafter.
     
   • This is a tiered, variable-rate account; however, promotional APY is fixed on eligible balances during the promotional period.
     
   • Interest is compounded and credited monthly. Fees may reduce earnings.
      
     
3. Anniversary Bonus
   
   • A $1,000 anniversary bonus will be paid if:
     
     • The account maintains an average daily balance of at least $250,000 for the first 12 months from account opening.
       
     • The bonus will be credited to the MMA within 30 days after the 12-month period ends.
       
     • The bonus will be reported to the IRS as interest income on Form 1099-INT.
        
       
4. Fees
   
   • Accounts will incur a $25 monthly service charge for any statement cycle in which the balance drops below $25,000.
     
   • Other standard account fees may apply. See the Unified Bank Consumer Deposit Account Fee Schedule for details.
      
     
5. Account Conditions
   
   • One promotional MMA per household.
     
   • Promotional APY applies only during the stated promotional period; after December 31, 2026, the account will earn the Bank’s standard MMA rates in effect at that time.
     
   • Unified Bank reserves the right to modify or terminate this promotional offer at any time without prior notice.
      
     
6. General Provisions
   
   • Account subject to the Unified Bank Deposit Account Agreement and all applicable federal and state banking regulations.
     
   • Offer not transferable and not valid in combination with any other promotional offers.