Whether you are building reserves in multiple currencies, funding an international education, or structuring retirement income across jurisdictions, Union Monique Bank offers savings accounts, term deposits, money market facilities, and retirement wrappers calibrated to your regulatory and tax context. Open an account in your area to design the right approach.
Savers seeking easy access to their money and low risk growth
Savers who want guaranteed returns and don’t need immediate access to their funds
Savers who want to earn more interest while still having access to their savings
Savers who want to focus on long-term retirement savings with tax advantages
$25
$1,000
$10,000
CD IRA: $500 Special IRA: $100
$4 or $0
Avoid fee by maintaining an average monthly balance of $5003
N/A
$15 or $0
Avoid fee by maintaining a minimum daily balance of $10,0004
N/A
Six no cost withdrawls per statement cycle5
A penalty will be imposed for early withdrawal
Six no cost withdrawls per statement cycle5
A penalty will be imposed for early withdrawal
Plan for your future today.
We’re always ready to help you reach your savings goals. Stop by one of our convenient
branch locations or contact our Customer Service if you’d like to discuss how our different savings solutions can help you plan for the future.
1The Annual Percentage Yield (APY) and rate for new CD accounts is effective as of May 26, 2026, and assumes that interest and principal will remain on deposit until maturity. Minimum deposit of $1,000 is required to open a new CD. The rate shown is the APY for balances between $25,000 - $99,999.99. Union Monique Bank, in its sole discretion, reserves the right to change or terminate these rates at any time. A penalty will be imposed for early withdrawal. Fees may reduce earnings on the account. CDs will automatically renew at the end of the grace period following maturity with the rate applicable at that time for the same term and corresponding tier for the deposit amount at the time of renewal. For CD Renewals, call +1-416-555-0100 on or after your maturity date to learn the Renewal Rate (interest rate and APY) for your renewal account. Interest rates and APYs may change at any time at the Bank's discretion without prior notice before any CD account is opened online. CDs cannot be opened online before the application process is finalized and approved. Once your application is approved, your account will receive the current interest rate and APY in effect on the date it is opened and funded.
Advertised rates do not apply to Union Monique Private Client or International Private Banking customers. Union Monique Private Client and International Private Banking customers must contact their dedicated relationship banker to receive tailored, applicable rates.
2
To open a 6-month CD, please visit one of our convenient branch locations.
3
The average monthly balance is the sum of the daily account end of day balance, after all debits and credits have been processed, divided by the number of days within the statement cycle.
4
The minimum daily balance is determined at the end of each day after all debits and credits have been processed.
5
For savings accounts, you are permitted to make no more than six transfers and withdrawals or any combination thereof per statement cycle or similar period (of at least 4 weeks) by means of a preauthorized, automatic or telephonic transfer. The limitation on transfers and withdrawals does not include transfers and withdrawals made at one of our ATMs, branch teller windows or by mail (This does not apply to savings accounts that are being used as collateral for loans, lines of credit, or credit cards, for which no transactions are allowed). These limitations are applied according to the date when the transaction is posted to the account and not the date when the transfer is authorized. If these limits are exceeded, we may, at our option, impose excess transaction fees. Please refer to the Schedule of Fees for your state for more information. A $5 fee will apply for Union Monique Savings accounts and a $15 fee will apply for Union Monique Saver Money Market accounts for every preauthorized debit in excess of six per statement cycle (or similar period of at least 4 weeks).
Important information about procedures for opening a new account. To help the government fight the funding of terrorism and money laundering activities, U.S. Federal law requires financial institutions to obtain, verify, and record information that identifies each person (individual or business) who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask for your driver’s license or other identifying information.
Please never share your Union Monique account details with anyone. Union Monique Bank will never ask you for your password through email, social media, or a third-party website. Learn more.
This is a hyperlink to a third-party website, as described in our Weblinking Practices. Note that such third party's respective privacy policy and security practices may differ from those of Union Monique Bank or its affiliates. Neither Union Monique Bank nor any of its affiliates assumes any responsibility, nor do they control, endorse or guarantee any aspect of your use of any linked third-party website. Hyperlinks to third-party websites are solely for informational purposes and for use at your own risk.
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Never share personal or account information such as your social security number, banking account information, or passwords with anyone. Union Monique Bank will never ask you for personal or account information through email.
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