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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 APY
$1,000 $0 - $2,499 0.10%
$1,000 $2,500 - $9,999 0.10%
$1,000 $10,000 - $49,999 0.10%
$1,000 $50,000 - $99,999 0.10%
$1,000 $100,000 - $249,999 0.20%
$1,000 $250,000 - $999,999 0.20%
$1,000 > = $1,000,000 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 APY
$1,500 0 - 9,999 0.45%
$1,500 10,000 - 49,999 0.45%
$1,500 50,000 - 99,999 0.45%
$1,500 100,000 - 249,999 0.65%
$1,500 250,000 - 499,999 0.65%
$1,500 500,000 - 999,999 0.65%
$1,500 > = 1,000,000 0.65%

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 APY
$100 0 - 2,499 0.05%
$100 > = 2,500 0.10%

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 APY
$5 0 - 2,499 0.05%
$5 > = 2,500 0.10%

United Treasure Chest Savings

For children 12 years and younger, this account is a great opportunity to teach your child to save.

Minimum Opening Deposit Daily Balance Tier Range1 APY
$5 0 - 2,499, 0.05%
$5 > = 2,500, 0.10%

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 APY3
$2,500 11 months 2.00%
$2,500 19 months 2.50%


Business Interest Checking

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

Business Money Market Account

Minimum Opening Deposit Daily Balance Tier Range1 APY
$1,000 0 - 9,999 0.30%
$1,000 10,000 - 49,999 0.30%
$1,000 50,000 - 99,999 0.30%
$1,000 100,000 - 249,999 0.40%
$1,000 250,000 - 499,999 0.40%
$1,000 > = 500,000 0.40%

United Business Savings

Minimum Opening Deposit Daily Balance Tier Range1 APY
$100 0 - 4,999 0.02%
$100 5,000 - 24,999 0.05%
$100 > = 25,000 0.05%

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 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.

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.

Learning Center

Fraud Prevention: Card Cracking Scams

Banks and law enforcement are cracking down on an emerging scam known as “card cracking.” Card cracking is a form of fraud where consumers respond to an online solicitation for “easy money” and provide a debit card for the withdrawal of fake check deposits.
Read Article

Scam Alert: Beware of Home Warranty Expiration Letters

When you close on a mortgage—or complete any number of financial transactions—hackers are on the prowl for your information and ready to target you with communications that sound legitimate but aren’t. Check out some ways to spot what’s known as a “predatory” communication that you should absolutely ignore.
Read Article

Medical Debt and Your Credit Score

By United Community Mortgage Services

If you’ve paid off debt that was in medical collections, we have exciting news for you: that cleared debt is no longer included on your mortgage credit report. 2023 will see even more changes. See what the changes could mean for you. 
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 10/03/2022.