^†The Annual Percentage Yield (APY) is based on quarterly compounding. You must be an owner or signer on an existing UBT personal or business checking account to open the account and obtain the APY. New customers may also qualify by opening a UBT personal or business checking account (excluding Money Market Accounts) with an opening deposit of $10,000 in new money at the same time as the new CD is opened. Penalty for early withdrawal, which may reduce earnings. Offer available in-branch only from 7/14/26-8/18/26.