Get upto 4%* on our Savings Account Balances with Union Crest National Bank.
More DetailsUpdates:
Dear Customer, We have launched Video KYC facility for New customer to open savings ac
Bank for a Better Tomorrow
Committed to helping our customers succeed.
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01
Fixed Deposit
Fixed Returns with Peace of Mind
Fixed Deposit (FD) is a secure investment option where you lock in a sum of money for a fixed period at a guaranteed interest rate. It offers higher returns than a savings account and ensures safety, stability, and assured growth of your funds.
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02
Current Account
Banking Solutions for a Business
A Current Account is a type of bank account designed for businesses and individuals who carry out frequent transactions. It allows easy deposits, withdrawals, and payments without restrictions, but usually does not earn interest. It’s ideal for managing day-to-day business finances.
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03
Mutual Funds
Our Strategies for Better Returns
**Mutual Funds** are investment schemes that pool money from multiple investors to invest in stocks, bonds, or other securities. Managed by professional fund managers, they offer diversification, flexibility, and the potential for higher returns compared to traditional savings.
Savings & CDs
Certificates of Deposit (CDs) lock in your money for a fixed period at a higher interest rate, providing secure and guaranteed returns.
* Interest rate up to 5% p.a
Online & Mobile
Equal blame belongs to those who fail their duty through weakness.
* Terms & Conditions
Consumer Loans
Duty or the obligations of business will frequently occur repudiated.
* Check today’s Interest Rates
Savings & CDs
Certificates of Deposit (CDs) lock in your money for a fixed period at a higher interest rate, providing secure and guaranteed returns.
* Interest rate up to 5% p.a
Online & Mobile
From checking balances to transferring funds and paying bills, it offers fast, secure, and convenient access to your accounts right from your computer or smartphone.
Consumer Loans
It provides quick access to funds for personal needs such as education, healthcare, travel, or home improvements. it comes with flexible repayment options and help you achieve your goals.
Grow Your Wealth Secure
Don’t just make a deposit, make an investment today.
Live Banking Rates & Financial Calculators
Calculate your deposit growth or estimate monthly loan repayments with our transparent rate tools.
Featured Account Rates & Yields
Updated Today| Account Product | Interest / APY | Min. Deposit | Action |
|---|---|---|---|
| High-Yield Savings | 4.25% APY | $500 | Apply Now |
| 12-Month Fixed CD | 5.10% APY | $1,000 | Lock Rate |
| Premier Money Market | 4.75% APY | $2,500 | Open Account |
| Personal Line of Credit | From 6.99% APR | N/A | Get Quote |
| 30-Year Fixed Mortgage | 6.25% APR | N/A | Pre-Approve |
Rates are subject to market conditions. APY = Annual Percentage Yield. FDIC Insured up to $250,000.
Calculate Deposit Growth
Total Interest Earned:
$510.00
Estimated Maturity Balance:
$10,510.00
Enterprise Treasury & Commercial Banking
Institutional-grade capital management, multi-currency liquidity, and global trade desk infrastructure.
Commercial Cash Management
Automated cash concentration, zero balance accounts (ZBA), and automated liquidity sweeps for seamless working capital optimization.
- Automated Sweep Accounts
- Multi-Entity Consolidation
Global Trade & FX Hedging
Direct access to institutional foreign exchange desks, real-time spot/forward contracts, and international Letters of Credit (LC).
- 50+ Global Currency Pairs
- SWIFT gpi Speed Settlement
Merchant & POS Gateways
Omni-channel POS payment gateway solutions, next-day merchant settlement, and integrated virtual corporate payment cards.
- Low Merchant Processing Rates
- PCI-DSS Level 1 Security
Commercial Credit & Syndication
Tailored credit lines, asset-based lending, commercial real estate financing, and syndicated institutional loan facilities.
- Structured Debt Solutions
- Dedicated Treasury Officer
Foreign Exchange Rates
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Bank Security & Protection Guarantee
Your Deposits Protected Up To $250,000
Union Crest National Bank employs military-grade 256-bit AES encryption, biometric multi-factor authentication, and continuous 24/7 AI fraud monitoring to ensure your wealth remains safe.
256-Bit Bank Encryption
All transactions encrypted end-to-end with TLS 1.3 protocol.
Zero Fraud Liability
100% protection against unauthorized debit card or online purchases.
Instant Card Freeze
Lock or unlock your payment cards in 1 tap via online banking.
Real-Time Push Alerts
Instant SMS & Email notifications for every withdrawal and transfer.
Federal Deposit Guarantee
Union Crest National Bank is an accredited institution providing deposit protection guarantees for individual, corporate, and trust accounts worldwide.
FDIC Member & Compliant
ISO/IEC 27001 Security Certified
24/7 Fraud Operations Desk
Questions & Answers
Find answers to all your queries about our service.
Help You to Find
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What is the minimum balance?
The minimum balance is the least amount you need to keep in your account to avoid fees or restrictions. The exact amount depends on the type of account you open, but some accounts also come with a zero minimum balance option for more flexibility.
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What is the rate of interest?
The interest you earn depends on your account balance — smaller balances attract lower rates, while higher balances enjoy better returns. For example, accounts with less than ₦100,000 may earn around 2% per annum, mid-range balances earn about 3%–3.5%, and balances above ₦1 million can earn up to 4% per annum. The more you save, the higher the interest you receive.
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When will I receive my account statement?
You will receive your account statement immediately once you apply for it, whether through online banking, mobile banking, email, or by visiting the branch. Regular statements are also provided monthly or quarterly, depending on your account type, but you can always request an instant copy whenever you need it.
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How safe/secure is our net banking a/c?
Your net banking account is highly secure. It is protected with advanced encryption, multi-factor authentication, and regular monitoring to prevent unauthorized access. You also receive instant alerts for every transaction, ensuring transparency and safety. As long as you keep your login details private and avoid sharing OTPs or passwords, your account remains fully protected.
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How do international SWIFT & wire transfers work?
Union Crest National Bank utilizes the SWIFT gpi network for real-time international wire transfers. You can send or receive funds globally across 50+ currencies with real-time tracking, transparent exchange rates, and instant receipt confirmation through your online banking dashboard.
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What documents are required to open an account?
To open a personal or business account online, you need a valid government-issued ID (Passport, Driver’s License, or National Identity Card), proof of address (utility bill or bank statement from the last 3 months), and your Tax Identification Number (TIN/SSN).
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What is Video KYC and how long does it take?
Video KYC is our zero-contact digital verification process that allows you to complete account verification from home in under 5 minutes. Simply show your original ID document to our secure verification officer during a quick live video session.
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How do I immediately freeze my debit or credit card?
If your card is misplaced or stolen, log into the mobile app or web portal and click "Cards" > "Freeze Card" for instant zero-delay locking. You can also unfreeze it anytime if found, or request a replacement card with 24-hour expedited delivery.
Verified Client Reviews
Trusted by Thousands of Happy Account Holders
Read genuine experiences from individuals, business owners, and service members who rely on Union Crest National Bank every day.
Verified Client
14 Jan 2026
"Experience with Union Crest National Bank has been very accommodating for they have fast online banking. When I need to transfer funds internationally and pay bills, it is done at my convenience."
Verified Client
02 Feb 2026
"All of the representatives at Union Crest National Bank are extremely helpful and friendly. I've never had a long wait and every inquiry is handled promptly."
Verified Client
19 Mar 2026
"Union Crest National Bank has been outstanding in the services provided. I have utilized their commercial treasury services for over a year while mobilized. Responsive and painless banking."
Verified Client
08 Apr 2026
"My experience with transitioning has been great. Everyone at the bank has been extremely accommodating. They make me feel that my business matters."
Verified Client
22 May 2026
"Opening a high-yield international savings and multi-currency account with Union Crest was the best decision for my portfolio. Private wealth advisors are top-notch."
Verified Client
12 Jun 2026
"The real-time FX rates and frictionless wire transfers make Union Crest our primary bank for all Asian operations. Outstanding security and mobile app."
Verified Client
03 Jul 2026
"Union Crest National Bank provides unparalleled digital banking services with top-tier security. Depositing checks online and wire verifications take seconds."
Verified Client
12 Aug 2026
"Their customer support team resolved my mortgage financing query within hours. Union Crest combines modern global fintech speed with traditional banking trust."
99.4%
Customer Satisfaction
50K+
Happy Account Holders
15+
Years of Banking Excellence
4.9★
Average Client Rating
