Standard CDs and Access CDs — distinct withdrawal terms
Union Bank & Trust’s standard-CD FAQ lists loss of all interest for 7–90 day CDs, 92 days of interest for 3–9 month CDs, and 182 days of interest for 10–60 month CDs. It defines the maturity grace period as the maturity date plus 10 calendar days. Access CDs have a separate exception: withdrawals are penalty-free except during the six days after opening or the six days after a subsequent withdrawal. The Access CD requires $10,000 to open.
The day and month descriptions overlap near the 90-day/three-month boundary, so confirm the contractual category. The source does not fully establish the calculation balance, annual day basis, or charge within the Access CD’s restricted periods. Current offer rates apply to new CDs and maturity renewals, and are not proof of an older agreement; do not apply the ordinary schedule to an eligible Access withdrawal.
TFS assisted source review: Aug 31, 2026 · Last source check: Aug 31, 2026 · Official source