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Personal and Business Rates

Personal

United Signature Checking

This checking account comes with options to earn interest and a host of exclusive features and benefits to deepen your relationship with United.

Minimum Opening Deposit Daily Balance Tier Range1 Interest Rate APY
$1,000 $0 - $2,499 0.05% 0.05%
$1,000 $2,500 - $9,999 0.05% 0.05%
$1,000 $10,000 - $49,999 0.05% 0.05%
$1,000 $50,000 - $99,999 0.05% 0.05%
$1,000 $100,000 - $249,999 0.08% 0.08%
$1,000 $250,000 - $999,999 0.08% 0.08%
$1,000 > = $1,000,000 0.08% 0.08%

Personal Money Market

Enjoy convenient access to your account while earning a premium interest rate with our Money Market account.

Minimum Opening Deposit Daily Balance Tier Range1 Interest Rate APY
$1,500 0 - 9,999 0.03% 0.03%
$1,500 10,000 - 49,999 0.03% 0.03%
$1,500 50,000 - 99,999 0.05% 0.05%
$1,500 100,000 - 249,999 0.05% 0.05%
$1,500 250,000 - 499,999 0.05% 0.05%
$1,500 500,000 - 999,999 0.05% 0.05%
$1,500 > = 1,000,000 0.05% 0.05%

United Savings

Whether you’re building a nest egg for the future or creating an emergency fund for a time in need, plan ahead and build your savings with our convenient interest-earning savings account.

Minimum Opening Deposit Daily Balance Tier Range1 Interest Rate APY
$100 0 - 2,499 0.02% 0.02%
$100 > = 2,500 0.02% 0.02%

United Student Savings

It’s never too early to start saving. For students 22 years and under, this account is a great option to begin investing in your future.

Minimum Opening Deposit Daily Balance Tier Range1 Interest Rate APY
$5 0 - 2,499 0.02% 0.02%
$5 > = 2,500 0.02% 0.02%

Certificates of Deposit (CD)

Benefit from locked-in interest rates as you watch your money grow. When your certificate matures, you can access the money or reinvest to continue building your savings.

Minimum Opening Deposit Term2 Interest Rate3 APY3
$2,500 6 months 0.10% 0.10%
$2,500 12 months 0.10% 0.10%

Business

Business Interest Checking

Minimum Opening Deposit Daily Balance Tier Range1 Interest Rate APY
$100 0 - 9,999 0.02% 0.02%
$100 10,000 - 49,999 0.02% 0.02%
$100 50,000 - 99,999 0.02% 0.02%
$100 > = 100,000 0.02% 0.02%

Business Money Market Account

Minimum Opening Deposit Daily Balance Tier Range1 Interest Rate APY
$1,000 0 - 9,999 0.03% 0.03%
$1,000 10,000 - 49,999 0.03% 0.03%
$1,000 50,000 - 99,999 0.05% 0.05%
$1,000 100,000 - 249,999 0.05% 0.05%
$1,000 250,000 - 499,999 0.05% 0.05%
$1,000 > = 500,000 0.05% 0.05%

United Business Savings

Minimum Opening Deposit Daily Balance Tier Range1 Interest Rate APY
$100 0 - 4,999 0.02% 0.02%
$100 5,000 - 24,999 0.02% 0.02%
$100 > = 25,000 0.02% 0.02%

Frequently Asked Questions

What is United Community Bank's routing number?

United Community Bank's ABA routing number is 061112843.

How do I apply for a loan?

This loan will be packaged as an SBA 7(a) loan, and businesses can apply through qualified lenders including United Community Bank, a preferred lender for the SBA. SBA application fees will be waived. Due to the minimal program requirements, the approval and funding process will be streamlined, resulting in getting capital in the hands of businesses who need it most. If you are a current United Community Bank customer, please reach out to your banker. If you are not a United Community Bank customer, we encourage you to contact us to discuss options for your business.

Am I eligible for a loan?

Small businesses that were in operation prior to Feb 15, 2020, with 500 or less contract or salaried employees, are eligible to apply for this loan. Businesses must have paid salaries and payroll taxes and/or independent contractors as reported on Form 1099-MISC.

How long will it take to get my loan proceeds?

Once the SBA releases further details and guidance on the Paycheck Protection Program, United Community Bank can approve your loan and disburse funds as fast as possible, sometimes in less than 48 hours, by ACH payment.

How can I see current transactions?

  • From the left menu bar,
  • Click or tap the Account Summary tab, all of your accounts will be listed in boxes to the right
  • Click or tap the account box you would like to see the transactions for and all activity should populate.
  • Click or tap the specific transaction you would like to see and if the item is a check the image will populate below the transaction. Transaction details will also display.

Learning Center

Create Your 2022 Financial Plan

The past two years haven’t been easy. If nothing else, it’s reminded us that preparing for the unexpected is a crucial part of any financial plan. Use these tips to get 2022 started on the right foot.
Read Article

How to Improve Your Business’s Cash Flow

If you’re a small business owner, you know that a steady influx of cash is the lifeblood of your company. It’s not only what keeps your business operating, but thriving. When you improve cash flow, you have more revenue for day-to-day operations and innovation. Yet it can be hard to balance fast collection of receivables with a slowed outflow of payables — all without alienating your customers or suppliers. Here are a few tips to help you strike that balance and improve your company’s cash flow.

Read Article

How to be a Legendary Saver

By Jefferson Harralson, CFO of United Community Bank

I am often asked about tips on financial wellness and how to best save money. Saving is hard—and it can often feel overwhelming, and even unnatural. However, becoming a great saver is an important step on the road to financial wellness and a healthier, more stable life.

Read Article

1Lowest number listed in each tier represents the minimum daily balance required to obtain the APY.
2Early withdrawal penalty will be imposed for early withdrawal.
3This is our maximum Relationship Rate. Please inquire at your local branch if you qualify. Other interest rates may apply.
Fees could reduce earnings on the account. Interest Rates and annual percentage yields are current as of 01/05/2022.