Current Rates

Personal Checking

REWARDS Checking Account

The Rewards Checking is a free, high interest checking account with no minimum balance requirement and no monthly service fee.  With Rewards Checking, we pay:

  • 5% Annual Percentage Yield (APY)* on balances of $0 to $10,000 if you meet the statement cycle qualifications listed below.
  • Balances above $10,000 will earn our current NOW rate.
  • Also, if all qualifications are not met, the entire balance will earn our current NOW rate. 
  • Interest paid monthly

Qualifications for the higher interest rate, each statement cycle, include:

  • 20 or more debit card purchases
  • Direct deposit
  • 2 paper checks written allowed
  • e-statements

Also available:

  • Online Banking
  • 24 Hour Phone Banking 
  • Overdraft Protection 
  • User friendly Mobile APPS to manage your accounts from anywhere with your phone

$50.00 minimum to open an account. 
Rates may change after the account is opened and is subject to change at the bank's discretion.

QUALITY Checking Account

  • $50.00 minimum to open an account
  • No maintenance fee
  • No per check charge
  • Online Banking
  • 24 Hour Phone Banking available
  • Monthly Statement
  • Overdraft Protection available
  • Check printing fee depends on style of checks ordered
  • User friendly Mobile APPS to manage your accounts from anywhere with your phone.

NOW Checking Account

  • $200.00 minimum to open an account
  • No maintenance fee if daily balance of $200.00 or greater during statement cycle
  • Interest paid monthly
  • Unlimited transactions
  • Online Banking
  • 24 Hour Phone Banking available
  • Monthly Statement
  • Overdraft Protection available
  • Check printing fee depends on style of checks ordered
  • User friendly Mobile APPS to manage your accounts from anywhere with your phone.

SUPER NOW Checking Account

  • $2,500.00 minimum to open an account
  • No maintenance fee if daily balance of $2500.00 or greater during statement cycle
  • Interest paid monthly
  • Unlimited transactions
  • Online Banking
  • 24 Hour Phone banking available
  • Monthly Statement
  • Overdraft Protection available
  • Check printing fee depends on style of checks ordered
  • User friendly Mobile APPS to manage your accounts from anywhere with your phone.

MONEY MARKET Account

  • $2500.00 minimum to open an account
  • No maintenance fee if daily balance of $2500.00 or greater during statement cycle
  • Interest paid monthly
  • You may not make more than 6 withdrawals or preauthorized transfers during any statement cycle
  • Online Banking
  • 24 Hour Phone banking available
  • User friendly Mobile APPS to manage your accounts from anywhere with your phone.

STUDENT Checking Account

Union Bank of Sparta’s Student Checking Account is available to any high school or ongoing student and includes these exclusive benefits!

  • We will match 100% of debit card transfers as part of our Save the Change program*
    (Free money with each debit card purchase!)
  • Free checks
  • No minimum balance
  • No account maintenance or debit card usage fees
  • User friendly Mobile APPS to manage your accounts from anywhere with your phone.

*Initial promotional is for two years during which Union Bank of Sparta will match up to $200 a year. Save the Change rounds purchases up to a whole dollar with the difference deposited to your savings account. Promotional can be renewed with proof of continuing education.

Click here for Business Checking.