Skip to main content
Alert Icon
Click for our most recent information on:   COVID-19  |  Branch Status  |  PPP  
Alert Exit

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 0.08% 0.08%
$1,000 $50,000 - $99,999 0.10% 0.10%
$1,000 $100,000 - $249,999 0.15% 0.15%
$1,000 $250,000 - $999,999 0.20% 0.20%
$1,000 > = $1,000,000 0.20% 0.20%

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 0.10% 0.10%
$1,500 10,000 - 49,999 0.10% 0.10%
$1,500 50,000 - 99,999 0.10% 0.10%
$1,500 100,000 - 249,999 0.15% 0.15%
$1,500 250,000 - 499,999 0.15% 0.15%
$1,500 $500,000 - $999,999 0.15% 0.15%
$1,500 > = 1,000,000 0.15% 0.15%

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 0.10% 0.10%
$1,000 10,000 - 49,999 0.10% 0.10%
$1,000 50,000 - 99,999 0.10% 0.10%
$1,000 100,000 - 249,999 0.15% 0.15%
$1,000 250,000 - 499,999 0.15% 0.15%
$1,000 > = 500,000 0.15% 0.15%

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.

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.

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 is the loan amount determined?

Loan amounts are calculated by taking your business’s average monthly payroll and multiplying it by 2 ½ . Your monthly payroll includes wages, tips, group health, retirement benefits and taxes but excludes the amount of compensation to individuals in excess of $100,000. The maximum loan amount is $10 million. There are other important details in calculating the average monthly payroll.

Learning Center

You can buy a home without putting 20% down

You don’t need 20% down to buy a home. Say it louder for the people in the back – you don’t need 20% down to buy a home.

That down payment requirement is one of the most common misconceptions when it comes to getting a mortgage and one of the biggest reasons so many people think they won’t qualify for financing.
 
Read Article

Can someone explain purchasing power?

Purchasing power is probably one of those terms that frequently gets thrown around. If we’re being completely honest, it’s also one of those terms that’s a little difficult to wrap your head around. Long story short: as interest rates go down, you can increase the amount you spend on a property without increasing the amount you pay each month.

 
Read Article

What’s in my monthly mortgage payment?

By United Community Mortgage Services

When you decide to buy a home, a monthly mortgage payment is just a part of the deal. What you may not know, however, is that there are four main components of your mortgage that determine the size of your monthly payment. 
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 03/02/2021