Products & Services

Certificates of Deposit Plus (CDPlus)

UnionBanc Investment Services1 Certificates of Deposit Plus (CDPlus) program enables you to manage your current and recently purchased certificates of deposit, free of monthly transaction charges and helps you avoid duplication of institutions. This is key to protecting your assets with the highest levels of FDIC2 coverage.

  • Spread assets across multiple institutions to maximize your allowable FDIC coverage
  • Minimize multiple bank statements
  • Track overall interest accruals with comprehensive monthly reporting
  • Choose from up to 1,500 participating CDPlus financial institutions

CDs purchased through the CDPlus program are automatically tracked to keep investments within FDIC limits. Your account information is consolidated in one convenient monthly statement showing trade confirmations and interest accruals.

To learn more about investment options available through UnionBanc Investment Services, contact us.

(1) Customers interested in the UnionBanc Investment Services CDPlus program will work directly with a UnionBanc Investment Services Financial Advisor. Certificates of Deposit offered through UnionBanc Investment Services LLC, a registered broker-dealer, investment advisor, member FINRA / SIPC, and subsidiary of MUFG Union Bank, N.A.,:

  • Are bank products and are a direct obligation of the issuing depository institution, which may or may not be MUFG Union Bank, N.A.
  • CDs purchased through the CD Plus Program are not, either directly or indirectly, an obligation of and are not fractionalized by UnionBanc Investment Services.
  • Are held in the name of MUFG Union Bank, as Custodian.
  • Are NOT registered with the Depository Trust Corporation.
  • Are FDIC-insured within permissible limits. It is the customer’s responsibility to make sure that CDs not held within the CDPlus program are considered when reviewing for FDIC coverage. For additional information regarding FDIC coverage, visit
  • Are NOT insured, backed or guaranteed by SIPC or Broker.
  • Could result in a significant loss of principal if sold prior to maturity. There is no FDIC insurance coverage on any principal losses that may be incurred if sold prior to maturity.

Although the CDPlus program is a deposit product, UBIS also offers non-deposit investment products.  Such products: • Are NOT deposits or other obligations of, or guaranteed by, the Bank or any Bank affiliate • Are NOT insured by the FDIC or by any other federal government agency • Are subject to investment risks, including possible loss of the principal amount invested.

(2) This assumes that your UnionBanc Investment Services Financial Advisor is apprised of CD investments held outside of the CDPlus program, which is necessary for determining FDIC coverage.