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    Certificates of Deposit (CDs)

    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 CD rate 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. 

    7-month CD1
    • 4.75% Annual Percentage Yield
    • 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
    Open Online Now Schedule an Appointment
    9-month CD1
    • 4.45% Annual Percentage Yield
    • 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
    Open Online Now Schedule an Appointment
    11-month CD1
    • 4.35% Annual Percentage Yield 
    • 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
    Open Online Now Schedule an Appointment
    19-month CD1
    • 3.75% Annual Percentage Yield
    • 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
    Open Online Now Schedule an Appointment
    23-month CD1
    • 3.50% Annual Percentage Yield
    • 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
    Open Online Now Schedule an Appointment

    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.
     

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    1. Fees could reduce earnings on the account. Interest Rates and annual percentage yields are current as of 11/15/2023. 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.

      2 You 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

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