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Certificates of Deposit (CDs)

Time is on your side.

And the time is now to make your money do all the heavy lifting for you. With our 4, 7 and13-month online CD options, time will pass you by, but your dollars won’t in the process. Interested in a different term CD? Visit your local branch for additional options. 
4-month CD1

Saving for a short-term goal? This CD is a great way to guarantee interest earnings in a timeline that works for you and your life.

  • 0.80% Annual Percentage Yield,
    0.80% Interest Rate
  • Low minimum opening deposit of $2,500
  • Interest earned on your CD will be compounded daily and credited to your certificate of deposit monthly
  • Subject to early withdrawal penalty2
  • Automatically renews on the maturity date
7-month CD1

Looking for a high-interest CD that you can access right around the corner? Seven months is a breeze. This CD account is your best bet to ensure your money doesn’t go blowing in the wind.

  • 0.70% Annual Percentage Yield,
    0.70% Interest Rate
  • Low minimum opening deposit of $2,500
  • Interest earned on your CD will be compounded daily and credited to your certificate of deposit monthly
  • Subject to early withdrawal penalty2
  • Automatically renews on the maturity date
13-month CD1

You can do a lot in thirteen months. So can your money with this high-yield CD. It’s great if you have an upcoming purchase in mind, and want to save a little extra for it.

  • 0.60% Annual Percentage Yield, 
    0.60% Interest Rate
  • Low minimum opening deposit of $2,500
  • Interest earned on your CD will be compounded daily and credited to your certificate of deposit monthly
  • Subject to early withdrawal penalty2
  • Automatically renews on the maturity date

Be the hero your family needs.

You never know when the time will come that having a little extra money around can save the day. Don’t wait. Start saving now and be prepared with a United Savings Account.

Frequently Asked Questions

What is United Community Bank's routing number?

United Community Bank's ABA routing number is 061112843.

Can I transfer funds from my checking or saving accounts to make a loan payment?

Yes. Personal Online Banking customers can transfer funds from checking or savings accounts to make a loan payment as long as the accounts are viewable through Online Banking. Select Transfer/Deposit on the left menu, Select Funds Transfer and fill out the from and to account, then input the transfer amount and date. Click Transfer at the bottom after you have reviewed the transfer details.

Important: Payments made before 6:00pm each business day will be applied the same day.

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.

What do I do if I forgot my password?

Click on the Forget Password button on the Password screen after you have entered your Login ID. You will then be prompted to select a target to receive a Secure Access Code (SAC) to your phone or email. Then, enter the random 6 digit code you received on the SAC screen. You will then be prompted to change the password during your log in process. For further assistance, you may also contact Customer Support.     

Note: For your protection, your account will be locked out after 3 invalid password attempts. You will need to contact Customer Support to reset your password if your account has been locked. To contact Customer Support, please call 1-800-UCBANK1 (1-800-822-2651).

How do I update my mailing address?

You may visit your local branch or update it within your Online Banking account. Within Online Banking, click Settings in the left menu, Address Change, update your address and submit.

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1Fees could reduce earnings on the account. Interest Rates and annual percentage yields are current as of 03/24/2020. Early withdrawal penalty will be imposed for early withdrawal. The APY assumes that interest remains on deposit until maturity. A withdrawal of interest will reduce earnings. We use the “daily balance method” to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. You will have ten (10) days after the maturity date to withdraw funds without penalty. Each renewal term will be the same as the original term, beginning on the maturity date. Interest will be calculated on the same basis as during the original term. The interest rate and APY for each renewal term will be determined by us on or before the renewal date, and will be paid until the new maturity date. On accounts with terms longer than one month, we will remind you in advance of the renewal and tell you when the rate will be known for the renewal period.

2You may not withdraw principal from this account without United’s consent prior to the maturity date, otherwise CD will be subject to early withdrawal penalty:

  • Terms 12 months or less – an amount equal to 91 days of interest earned or that could have been earned
  • Terms over 12 months but less than 36 months – an amount equal to 182 days of interest earned or that could have been earned