Individual Retirement Account (IRA)

Whether you're planning for retirement or higher education expenses, United Community Bank provides the investment tools you need through a variety of IRA options. Choose from fixed or variable market rates and then easily set up your low-fee account. Open a variable rate IRA with a $50 initial deposit and open other IRAs with a $500 minimum deposit.

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  • Choose from Traditional IRAs and Roth IRAs with a variety of terms
  • Interest paid monthly, quarterly, semi-annually or annually, depending on your rate and term 
  • Penalties apply if you withdraw money early
  • Consult your tax adviser about the option that provides the best tax advantages
  • View current rates

Can I transfer funds from CDs and IRA accounts to my checking and savings accounts?

No, you can only transfer between your checking, savings, and loan accounts.

How long are my statements and account history available online?

Transaction history and eStatements are available for 24 months within online banking.