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    Whether you're focused on managing day-to-day expenses or saving money for the possibilities of tomorrow, our team is here to support you with account choices that fit your lifestyle.


    Featured Accounts

    United Checking

    Looking for a checking account that can handle your day-to-day banking needs? We’ve got you covered.

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    United Signature Checking

    This exclusive checking account is brimming with benefits and features that meet you where you are, including competitive interest rates and no fees for overdraft protection transfers.

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    United Savings
    Isn't it funny how Plan A and B always become Plan C-Ya? Now, planning has never been so easy or secure with our convenient interest-earning savings account.
    Open an Account Learn about United Savings
    11-month CD1
    For a limited time, 4.35% annual percentage yield and a low minimum opening deposit of $2,500.
    Explore other personal CD offerings
    Open Online Now View Other Options
    Business Freedom Checking

    Ideal for businesses and non-profits with lower monthly check writing and deposit activity. This business checking account has no monthly service charge and no minimum balance requirement.

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    Personal Accounts

    United Checking

    Looking for a checking account that can handle your day-to-day banking needs? We’ve got you covered.

    Open an Account Learn about Checking Accounts
    United Checking for 55+

    If you are 55 or better, enjoy expanded benefits that continue working for you including no monthly service charge and no charge for foreign or outside network ATM/Debit Card usage.

    Open an Account Learn about United Checking for 55+
    United Signature Checking

    This exclusive checking account is brimming with benefits and features that meet you where you are, including competitive interest rates and no fees for overdraft protection transfers.

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    United Savings
    Isn't it funny how Plan A and B always become Plan C-Ya? Now, planning has never been so easy or secure with our convenient interest-earning savings account.
    Open an Account Learn about United Savings
    United Money Market

    Earning prime interest rates is the name of the game with this high-yield Money Market account.

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    United Essential Banking

    Enjoy peace of mind with a low monthly service charge and no overdraft fees—a simple way to easily manage money.

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    Health Savings Account

    Give your future self peace of mind and health with the triple tax advantages of an HSA.

    Explore HSA Options Access Your HSA Account

    Business Accounts

    Business Freedom Checking

    Ideal for businesses and non-profits with lower monthly check writing and deposit activity. This business checking account has no monthly service charge and no minimum balance requirement.

    Open an Account Schedule an Appointment
    Business Interest Checking

    Put your money to work. Start earning interest on your business checking balances with United's Business Interest Checking Account

    Open an Account Schedule an Appointment
    Business Savings

    Turn your business' rainy days into a full blown windfall with a savings account that safeguards your money and allows for constant access to your funds.

    Open an Account Schedule an Appointment
    Business Money Market

    Get the account that gives you a great return on your business savings while still allowing you instant access whenever you need it.

    Open an Account Schedule an Appointment
    Business Analysis Checking

    If your business has high transaction volumes or more complex banking needs, this analyzed account puts higher balances to work for you

    Open an Account Schedule an Appointment
    Business CDs

    For a guaranteed return on your investment, let your money work smarter, not harder. Tap into a regular flow of income or reinvest in a United CD if you don't need the money immediately

    Open a Business CD Schedule an Appointment
    Business Select Checking

    A great option for businesses that have a higher number of transactions and cash deposited every month.

    Open an Account Schedule an Appointment

    Student and Youth Accounts

    United Checking for Students

    A banking account exclusively for customers 22 or younger with no monthly service fee? Now, that’s a lot of pizza.

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    United Student Savings

    If you are 22 or younger, start planning for your future with our interest-earning savings account. Your future self will love you for it. 

    Open an Account Schedule an Appointment
    United Treasure Chest Savings

    For children 12 years and younger, this account is a great opportunity to teach your child to save. 

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    Personal Loans

    Personal Loans and Lines of Credit
    We have competitive rates and offer the ideal financial boost to purchase computers, appliances, furniture or to fund a small home-improvement project—and can tailor an installment loan that will fit your more minor borrowing needs.
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    HELOC2
    Get the funds you need without the burden of a high interest rate. With a HELOC, you can borrow from your home equity as needed—up to a preset limit and with a low variable interest rate.
    View Rates Learn More
    Home Equity Loan3
    Lock in a fixed rate to finance whatever life may bring. With a HELoan, you can borrow against your home equity, receive the full amount upfront, and pay it back over time.
    Learn More
    Auto Loans
    Get on the road faster while saving money with our smart auto loan options. With competitive rates on our loans, it allows you the flexibility to choose from various terms to fit your needs.
    Learn More

    Home Loans and Mortgages

    Buy Your First Home
    Your first home is a major milestone in life, and we don’t take that lightly. When you have questions, our team is here to answer your call and walk you through every step of the process.
    Apply Now Read our Homebuying Guide
    Buy a Home
    Whether you're looking for a getaway by the ocean, in the mountains, or on the lake, or you're jumping into real estate investing, we can help. Our team of expert mortgage lenders will work with you to find the best home loan options for your current situation and long-term financial goals.
    Apply Now Learn More
    Refinance a Home
    Whether you’re looking to cash in on your home’s equity, adjust your payoff timeline, or rethink your monthly payment, we’re here for you. Our individualized approach to lending means we get to know you and your unique situation to find the perfect home loan solution for your personal financial goals.
    Apply Now Learn More
    Home Construction & Renovation Loans
    Whether you’re renovating your current home or building a new one, we can help you find the best loan for you. The home you're dreaming of starts here.
    Apply Now Learn More
    1. Annual percentage yields are current as of 11/15/2023. The minimum balance required to open the account and obtain the APY is $2500. A penalty will be imposed for early withdrawal. The APY assumes that interest remains on deposit until maturity. A withdrawal of interest will reduce earnings.

      The Annual Percentage Rate, referred to as APR, is based on an index (WSJ Prime Rate) plus a margin. The discounted introductory APR is fixed for the initial 12-month period. Thereafter, the APR is variable and may change daily but will never exceed 16%. The margin for each loan is determined by credit qualifications, lien position, owner occupancy, loan-to-value (LTV) ratio and other loan features. The stated APRs represent borrowers with a minimum 760 credit score, owner-occupied first or second lien primary residence, maximum 80% LTV and 0.25% discount for auto-debit from a United checking account. Eligibility for introductory rate and reduced closing costs require a United Community Bank checking account and debit card. If checking account and debit card are not maintained in an active status throughout the term of the loan, a $100 annual fee will be assessed. Closing costs vary by state and loan amount.  For an average loan amount of $100,000, closing costs generally range from $288 to $844. Bank may choose to waive a portion of the closing costs; however, if the HELOC is closed or the line is reduced during the first three years following account opening, borrower will be required to reimburse bank for all waived closing costs. Borrower pays all costs pertaining to recording fees, tax monitoring fees and mortgage taxes. HELOC product is available only for consumer owner-occupied, single-family residences and is not available on manufactured homes or leasehold properties. Bank must be in a valid first- or second-lien position. Property insurance and flood insurance, if applicable, are required on all collateral. The HELOC has a 10-year draw period and 15-year repayment period. Exclusions and limitations apply. Offer subject to bank’s standard credit approval criteria and is subject to change without notice. 

      United Community offers first-lien and second-lien amortizing fixed-rate Home Equity Loan (HELoan) products.  The first-lien HELoan is available in amounts ranging from $10,000 to $75,000.  The second-lien HELoan is available in amounts ranging from $10,000 to $1.5 million. HELoan products are available for consumer owner-occupied, single-family residences and are not available on manufactured homes.  Closing costs vary by state and loan amount. Bank may choose to waive a portion of the closing costs. Borrower pays all costs pertaining to recording fees, tax monitoring fees and mortgage taxes. Bank must be in a valid first or second-lien position.
       

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