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Certificates of Deposit

Lock in your savings and earn more.

When you’re ready to make your money work harder, a Certificate of Deposit (CD) from United Bank is a smart choice. CDs offer guaranteed returns at fixed interest rates, giving you peace of mind that your money is growing safely.

United Bank offers Certificates of Deposit to customers in Alabama and Florida with a range of term options designed to support both short-term and long-term savings goals. It's a simple, predictable way to grow your savings.

Call or Visit To Learn More

Certificate of Deposit Specials

Minimum deposit of $1,000

Term	APY
6 Month	3.85%
6 Month IRA	3.85%
13 Month	3.70%
13 Month IRA	3.70%

Traditional Certificate of Deposits

Minimum deposit of $500

Term	APY
1 Month	0.55%
3 Months	0.55%
6 Months	0.60%
12 Months	0.75%
24 Months	0.85%
36 Months	0.95%
48 Months	1.05%
60 Months	1.20%

For CD relationship rates add 0.10 bps for deposit relationship and 0.15 bps for loan relationship or 3 services.

CD Specials

CD specials provide secure and competitive rates designed for your goals

Minimum deposit of $1,000
Competitive rates and guaranteed returns to make the most of your savings
Six-month and thirteen-month term options to fit your financial schedule
Monitor savings progress through Online Banking or our mobile app
Early withdrawal penalties may apply based on term

Call or Visit to Learn More

Traditional CDs

Minimum deposit of $500
Interest rate established the date of deposit and calculated by the daily balance method
Available in savings periods ranging from one month to five years
Interest compounding available for terms greater than three months
Monitor savings progress through Online Banking or our mobile app
Early withdrawal penalties may apply based on term

Call or Visit to Learn More

Why Choose a United Bank CD

Guaranteed fixed interest rate for the term of your CD
Flexible terms to match your savings goals
Automatic renewal options available
FDIC insured up to the legal limit
Available for both personal and business customers

A CD from United Bank is a safe, predictable way to build your future. Whether you’re in Alabama or Florida, CDs offer dependable growth with competitive rates.

Interested in Opening a CD?

Getting started is easy:

Call us at 251-446-6000 or visit a branch.
Choose your CD term and rate.
Open your CD account.
Sit back and watch your money grow.

United Bank is a full-service financial institution with branches in Alabama and Florida.

Some products may not be available to open or apply for online. In this case, please visit one of our United Bank branch locations.

*Rates accurate as of December 31, 2025. APY = Annual Percentage Yield. All fixed rates are subject to change without notice. Minimum opening deposit of $1,000.00 required to open account. Minimum balance of $1,000.00 required to obtain APY. An interest penalty may be imposed for early withdrawals. Fees may reduce earnings on account. Member FDIC.

So what would you like the future to hold? Maybe a week at the beach. A gourmet set-up in the kitchen. A son or daughter at State U. Or the security of knowing you can handle life’s ups and downs. With a United Bank savings account, you set the goals and we’ll give you the tools to work toward them.

Deck the halls with a lot more dollars

From family gatherings to festive meals to fantastic gifts, the Christmas season can cost a pretty penny. One way to make it all more affordable is with year-round deposits to a special interest-earning account. When November arrives, all the money will be automatically deposited in your United Bank checking account for quick and easy access.

Apply Now

Christmas Club accounts are limited to one per customer
Maximum balance of $10,000
Minimum automatic deposit of $20 each month from a United Bank account
Additional deposits permitted
Account must be linked to a United Bank checking account for November distribution¹
Competitive interest accrues monthly and is paid at distribution (Interest rate in effect when the account was opened)²
$10 fee if withdrawals are made outside standard distribution date.
$10 fee if you close the account before distribution date³

¹ Distribution date will occur on the nearest business day following November 1. This date may vary.
² Interest rate and Annual Percentage Yield (APY) may change without notice.
³ Fees may reduce earnings.

An emergency fund is a safety net for your money, there to help you out when life makes an unexpected turn. If someone in your family gets sick, or if there are sudden changes in jobs, this money is there to give you peace of mind. Instead of worrying about how to pay for unexpected bills, your emergency fund can cover those costs.

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5.00% APY* on the first $5,000 in your account
Ability to set up automatic transfers from your checking account to your savings account each month or more frequently
FDIC-Insured account

Emergency Calculator

^{*APY = Annual Percentage Yield}
^{Rate Information: This Account is an interest bearing account. If the daily balance is less than $5,000.01, the interest rate paid on that portion of the balance will be 4.91%. The annual percentage yield for this tier will be 5.00%. If the daily balance is more that $5,000.00, but less than $10,000.01, the interest rate paid on that portion of the balance will be 0.75%. The annual percentage yield for this tier will range from 5.00% to 2.88%. If the daily balance is more than $10,000.00, the interest rate paid on that portion of the balance will be 0.05%. The APY for this tier will range from 2.88% to 0.05%. APY effective as of 9/30/25.}
^{Interest rate may change after account is opened. Annual percentage yield subject to change. At our discretion, we may change the interest rate on the account as often as daily. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly. If the account is closed before interest is credited, you will not receive the accrued interest.}^{Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. We will use an interest accrual basis of 365 (or 366 in leap year) for each day in the year.}^{Limitations: You must deposit $50.00 to open this account. There is no limitation for withdrawals or transfers, but a fee of $5.00 per withdrawal is assessed, in excess of 2 per month.}^{Account Fees: A $50.00 minimum daily balance is required to avoid a monthly service charge of $5.00. Fees could reduce earnings on the account.}

What makes an injury, illness or a chronic health condition even worse? Worrying about how to pay the health-care bills. At United Bank, we offer tax-advantaged HSAs that help you save the money needed to cover a wide range of doctor, dental and vision care, as well as prescription costs. That puts the focus back where it should be – on getting healthy and happy again.

¹ HDHP has a higher deductible than typical health plans and a maximum limit on the sum of the annual deductible and out-of-pocket medical expenses which may include copayments and other amounts, but do not include premiums.
² IRS contribution limits subject to change. Consult the IRS for current limits.
³ Fees may reduce earnings.
⁴ Fees may apply for some services within Online Banking or Mobile Banking. Cell phone text and data rates may apply.