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COVID-19: To learn more about how our financial first responders stand ready to serve you from a socially safe distance, please visit this page.  
Small Business Loans: As a SBA Preferred Lender, we are prepared to help you find the right financial relief for your business. Please visit this page to take the first step. 

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Personal and Business Rates


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 0.25% 0.25%
$1,000 > = $250,000 0.40% 0.40%

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 0.10% 0.10%
$1,500 250,000 - 499,999 0.20% 0.20%
$1,500 > = 500,000 0.25% 0.25%

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
$100 100 - 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 Rate APY
$2,500 4 months 0.80% 0.80%
$2,500 7 months 0.70% 0.70%
$2,500 13 months 0.60% 0.60%


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 0.19% 0.19%
$1,000 10,000 - 49,999 0.19% 0.19%
$1,000 50,000 - 99,999 0.19% 0.19%
$1,000 100,000 - 249,999 0.20% 0.20%
$1,000 250,000 - 499,999 0.20% 0.20%
$1,000 > = 500,000 0.25% 0.25%

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 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.

Is there any action required to start using United's online banking?

Yes, it is important that you take a few moments to read the following tips to get ready:

  1. Update your browser. An updated browser is the gateway to a better and more secure online financial experience. It's vital to use the most current version of your preferred browser. If you are using Internet Explorer, you will also need to ensure that it is not running in Compatibility Mode. Also, if you would like to register your device and skip the need to enter a Secure Access Code on future visits, be sure to select 'Register Device' during the sign in process and ensure your browser is not set to automatically delete cookies. Visit our Digital Banking Support page to see which browsers are compatible.
  2. Update financial software. If you utilize financial software such as Quicken® or QuickBooks, there will be some additional steps to take to ensure you are able to continue to successfully download transactions from the new Online Banking system.

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 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.

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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.
Fees could reduce earnings on the account. Interest Rates and annual percentage yields are current as of 03/07/2020