Deposit Rates

At United Bank, we provide competitive rates on Certificates, Checking and Savings Accounts, Mortgages, Home Equity Products and Auto Loans.

Rates Effective as of

Certificates of Deposit

Term Minimum Deposit Interest Rate Annual Percentage Yield APY
3 Month $1,000 1.89% 1.90%
6 Month $1,000 2.28% 2.30%
9 Month Birthday CD $2,500 2.13% + Age in basis points 2.15% + Age in basis points
12 Month $1,000 2.38% 2.40%
18 Month $1,000 2.43% 2.45%
24 Month $1,000 2.48% 2.50%
36 Month $1,000 2.67% 2.70%
48 Month $1,000 2.72% 2.75%
60 Month $1,000 2.77% 2.80%

Money Markets

Type of Account From To Minimum to Open Interest Rate Annual Percentage Yeild (APY)
MoneyMarketMAX $0 $4,999.99 0.26% 0.26%
$5,000.00 $24,999.99 2.00% 2.02%
$25,000.00 $74,999.99 2.25% 2.27%
$75,000.00 $99,999.99 2.50% 2.53%
$100,000.00 and up 2.75% 2.78%

Checking Plans

Type of Account From To Minimum To Open Interest Rate Annual Percentage Yield APY
UB Club $100 0.46% 0.46%
UB Senior $100 0.46% 0.46%
UB Grand $100 1.01% 1.01%
UB Premium $0 $2,499.99 $100 0.51% 0.51%
$2,500 $24,999.99 $100 0.56% 0.56%
$25,000 and up $100 1.01% 1.01%

Savings Plans

Type of Account From To Minimum To Open Interest Rate Annual Percentage Yield APY
Statement Savings $0 $14,999.99 $100 0.51% 0.51%
$15,000 $24,999.99 $100 0.66% 0.66%
$25,000 $49,999.99 $100 0.76% 0.76%
$50,000 and up $100 0.86% 0.86%
Millennium Saver $0 $1,999.99 $100 0.51% 0.51%
$2,000 and up $100 1.01% 1.01%
Kid's Club $0 $14,999.99 $1 0.51% 0.51%
$15,000 $24,9999.99 $1 0.66% 0.66%
$25,000 $49,999 $1 0.76% 0.76%
$50,000 and up $1 0.86% 0.86%
Generation U $0 $14,999.99 $25 0.51% 0.51%
$15,000 $24,999.99 $25 0.66% 0.66%
$25,000 $49,999.99 $25 0.76% 0.76%
$50,000 and up $25 0.86% 0.86%
Quinceañera Club $0 $14,999.99 $15 0.51% 0.51%
$15,000 $24,999.99 $15 0.66% 0.66%
$25,000 $49,999.99 $15 0.76% 0.76%
$50,000 and up $15 0.86% 0.86%
Christmas Club Maximum of $5,000 $10 2.75% 2.75%

Substantial penalty for early withdrawal. Fees could reduce earnings on the account. Deposits are insured up to $100,000.00 by the FDIC. All rates are subject to change without prior notice.




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