Under TAGP, the FDIC temporarily provides a full guarantee for deposits held by FDIC insured institutions in noninterest bearing transaction accounts.  This coverage became effective on October 14, 2008 and will expire at 11:59 PM EST on June 30, 2010.  Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules. Please visit the FDIC website for more information on this pro gram (www.fdic.gov)

* The interest rate (1.60%) and annual percentage yield (APY) (1.60%) is effective today and has been effective as of December 28th, 2009. $1,000.00 minimum balance to open and $10,000 minimum to earn disclosed APY. (For balances of $1,000 to $9,999.99, the interest rate and APY are 1.60%.) All rates are subject to change daily. Interest on CDs is compounded at the end of the term or annually, which ever is shorter. A penalty may be imposed for early withdrawals on all CDs, and fees may reduce earnings on the account. For more information, including how interest is calculated and fees, please review our Online Truth in Savings Disclosures or speak with our Financial Service Representatives. Please call 1-877-One-United or 877-663-8648 for current rate or further detailed information.